You are an office worker with a monthly salary of more than 2K; Or you are a private owner and have been in industrial and commercial registration for one year; Or you are the homeowner and the property is in the local area where you apply for a loan-you have one of these three conditions, then you can apply for an unsecured loan. Generally, the longest service life is about 3 years.

Different applicants and different loan types need to provide different loan application materials. Common personal data such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loans such as income certificate and bank card statement.

Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.

Personal micro-credit loan application conditions:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. There is no bad record on the national credit record;

5. Other conditions stipulated by the bank.