1. General handling fees are charged by guarantee companies. Credit companies rarely charge these fees, but some companies do and some companies don't.

2. Unsecured loans are also called unsecured loans or credit loans. You don't need any collateral, you just need identification, income proof, address proof and other materials, and then apply for a loan from the bank. Banks issue loans according to personal credit conditions, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.