I. Enterprises
1. Applicant 18 to 60 years old, in good health, with local hukou or living in the local area for one year; Having a business license issued by the industrial and commercial department and passing the annual inspection; Normal operation for more than three months; The main business place is within the scope of the city (county) district.
2. If the loan amount is less than 6,543,800 yuan (excluding), you only need to find a guarantor. The guarantor must be a national civil servant, institution, regular employee of large and medium-sized enterprises or a group with relatively stable income such as teachers and doctors. The loan amount is 1 1,000 yuan-1 1,000 yuan. You need to find two guarantors, one of whom must be a national civil servant, institution, regular employee of large and medium-sized enterprises, teachers, doctors and other people with relatively stable income, and the other guarantor must have a fixed occupation or a stable income.
3. The original and photocopy of the ID cards of the applicant and guarantor shall be submitted; Personal income certificate of the guarantor; The original and photocopy of the business license issued by the industrial and commercial department and passed the annual inspection, as well as other materials required by the postal bank.
Second, individuals.
1, Chinese mainland resident, under 50 years old;
2, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
Personal unsecured loan processing flow
1, I apply voluntarily;
2, community (village) women's small secured loan assistant recommendation;
3, street (township) women's small secured loan workstation trial;
4, at or above the county level women's small secured loans office review;
5. The guarantee institutions shall review, inspect and identify according to the procedures;
6. Handling financial institutions to approve and issue loans.
Proof material
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
3. Provide stable proof of income source, bank flow sheet and labor contract. Complete bank knowledge >>
Risk prevention of unsecured micro-credit
1. When applying for unsecured small loans, you must also be cautious. Don't disclose your information to the other party easily, let alone give money to the other party easily. You can't believe that things will happen at the convenience of the moment, especially in the financial industry. There are too many unscrupulous swindlers in the business of handling corporate loans, personal loans and discounting bank acceptance bills, so everyone must be especially careful.
2. Be sure to carefully screen and investigate each other's qualifications and background in detail. For example, the industrial and commercial registration information of the other company can be queried online, and the ICP filing information of the other website can be queried on the website of the Ministry of Industry and Information Technology.
3. Try to choose some institutions or companies that can lend money first and then pay the handling fee. In fact, there are many platforms that do not need to pay upfront fees. You can pay related fees and other expenses after borrowing, or you can directly deduct related expenses when transferring money.