To have a fixed income, it depends on the salary details; At least 18-65 years old; If the loan is used for business or car purchase, there must be a guarantor and mortgage;
Good credit information.
Loan application materials: Lender's ID card; Credit information of the lender in the past six months, and the credit information is good; The bank card under the lender's name has been flowing for nearly half a year without interruption; Proof of the lender's residence permit (rental contract, real estate license, water and electricity invoices for the last three months); Income certificate issued by the lender's work unit; Social security, insurance policies and provident fund can also be loaned on a monthly basis.
If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars. Microfinance is a kind of business loan with individuals or families as the core, and its main service targets are the vast number of industrial and commercial self-employed, small workshops and small owners. The loan amount is generally less than 200,000 yuan, 1 1,000 yuan or more. Microfinance is an extension of microfinance in technology and practical application. Small loans mainly include personal credit loans, small pledged loans and small loan company loans.
Personal credit loans do not need collateral. Pledged loans only need certificates of deposit, government bonds and wealth management products. The loan amount is 85%~95% of the pledged loan, and the loan period is 6~36 months. The specific application requirements of loan companies are related to various microfinance companies. Generally speaking, the specific loan interest rate is determined by many factors, such as the qualifications of the applicant, collateral and other guarantees, the nature of financial institutions and so on. If you want to get a loan, you can log in to official website and apply for a loan. Please refer to the leading online loan trading platform in China for details of the loan.