1. Unsecured and unsecured loans Unsecured and unsecured loans are also called unsecured loans or credit loans. Mainly for individuals with stable income sources, without any mortgage or guarantee, loans applied to financial institutions with ID cards, income certificates, address certificates and other materials are based on personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their own specific conditions and then sign a contract. II. Proof materials required for unsecured and unsecured loans 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. 3. Materials to be prepared for unsecured and unsecured loans: 1, my ID card and household registration book (if married, the original and photocopy of my spouse's ID card and household registration book are required). 2. My local permanent residence certificate. 3. If you are a company employee, you need to provide proof of income to prove your repayment ability in the future. If it is an application for self-employment, you need to provide the original and photocopy of the individual business license and the original and photocopy of the tax registration certificate. 4. Relevant valid certificates of collateral. 5. Proof of marital status. 6, small loan guarantee application form. 7. Other required information. Domestic unsecured loan enterprises The domestic banks with unsecured loan products include Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo. The loan companies include Weixin Cash Loan, CreditEase, Express Loan, Souqian.com, Zhongan Credit Industry, etc. There are also a large number of loan companies in the name of guarantee and consultation. E-financial institutions mainly refer to the websites of everyone's loan model. Unsecured loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. At present, the unsecured loans officially promoted in China are unsecured loans, such as the cash loan group launched by Standard Chartered Bank, which can lend 8,000 yuan to 20,000 yuan. This kind of products launched by banks are also characterized by low quota, high threshold and slow procedures. The unsecured credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are commonly known as usury. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the publicity interest rate. To sum up, it is a concrete introduction to 1 10,000 unsecured and unsecured loans, as well as related contents, proof materials for unsecured and unsecured loans, and domestic unsecured loan enterprises for your convenience. I suggest that you choose a regular loan company that doesn't charge fees before looking for a loan, and don't be cheated.