The term unsecured micro-loan is an operating loan with individuals and families as the core, which is launched by major banks or other legal financial institutions. Their clients are mainly individual industrial and commercial households, small workshops and small business owners. The general loan amount is more than 65,438+0,000 yuan and less than 200,000 yuan. Its characteristic is that you can apply for a loan only with personal credit without providing collateral or third-party guarantee, but the requirements for the borrower's economic benefits, management level and development prospects are stricter.
Application channels and loan types of formal unsecured microfinance. There are three main ways to apply: bank application, microfinance company and formal lending institution. At present, unsecured micro-loans mainly include personal credit loans and small pledged loans.
Generally speaking, going to a bank or financial institution to apply for a formal unsecured micro-loan needs to meet the following conditions: China residents under the age of 55; Engaged in legitimate production and business activities, the project has development potential or market competitiveness; Have a stable economic income and the ability to repay the principal and interest on schedule; No bad credit history and so on.
After meeting the above application conditions, you must submit the following materials to the bank: personal identity information, address certificate, water and electricity bill, property management bill and other supporting materials that provide a stable source of income. Banks can lend money after approval, but it should be noted that the loan interest rate of unsecured microfinance is generally slightly higher than that of secured loans. Borrowers should choose the appropriate loan term according to their own economic ability and repayment ability to avoid adverse effects caused by excessive repayment pressure.
Generally speaking, as long as you go to a bank or other formal financial institution, you can apply for a formal unsecured small loan. However, in the face of all kinds of advertisements such as "unsecured, unsecured, one-day loan", it is believed that it is difficult for borrowers to tell which one is a regular company.
Go to the website of the industrial and commercial bureau where the loan company is located to check the operating conditions of the loan company to see if it has formal business qualifications; (Industrial and commercial bureaus all over the country have their own portals)
People who work 24 hours a day (overtime approval is also acceptable at night) should be vigilant. No formal online loan company has such regulations on working hours, and the working hours are irregular. Will the company be formal? Never lose your mind because you need money badly!
Whether the microfinance company has a fixed office and fixed telephone, be wary of the loan website with only one mobile phone number (first check where his mobile phone number belongs), and don't completely trust companies with outlets all over the country. Imagine how huge his staff and expenses would be if he set up branches all over the country. Will a real formal company do this?
Beware of voice queries in informal banking systems, such as bank voice queries starting with 400, 020, 0 10 (this method is often used for scams that do not charge any fees in the early stage). All banks have unified and dedicated inquiry numbers, such as 95599 of Agricultural Bank and 95533 of China Construction Bank. .......
Finally, whether the online loan is credible, it is recommended to verify its information and business scope. Please be careful.
Online microfinance companies eventually need offline contact. Don't trust any loan company that only provides QQ or telephone. Any company still needs to sign contracts, etc.
Online small loan companies should never pay any fees in advance when contacting, including deposit and prepaid interest. , are all liars.
In fact, online small companies are not online, but there are still physical companies in reality. The basic area of small companies is limited to local areas, so it is necessary to meet and discuss.
Formal online microfinance companies will not charge you any fees before the money arrives, which is the most important basis to distinguish whether it is formal or not. If you are unfortunately deceived, you should call the police at the first time, try your best to recover the losses, and don't let the criminals go unpunished.