Characteristics of unsecured loans:

1. No guarantee: there is no need to provide collateral or other people's guarantee; 2. High amount: the maximum loan amount can reach 500,000;

3. Fast loan: once the application materials are complete, it can be completed within 1 working day; Application conditions for unsecured loans: 1, regardless of household registration;

2. Age: 25-55 years old, a citizen of China with full capacity for civil conduct, holding a valid ID card; 3. The applicant must provide proof of real estate.

4. The applicant's credit record meets the basic credit record recognition standard. Influencing factors of unsecured loans:

Unsecured loan mainly depends on the applicant's credibility, and the applicant's loan amount will also be affected by its credit status. In addition, there are the following factors that affect the handling of unsecured loans.

1, stability of income

Stable income is an important proof of the applicant's repayment ability, which is mainly reflected by the bank flow in the last three to six months and is an important indicator to measure the stability of work.

2, the nature of the unit

The work stability of different unit properties is also different. Therefore, for wage earners, employees of state-owned enterprises and institutions will be easier to apply than employees of private enterprises, so the nature of the unit is also an important aspect of considering personal qualifications.

3. Form of income

Whether the salary is reflected in cash or bank payment, and whether the company account is reflected in a company account or a private account, the effect is also very different.

4, personal debt scale

Mainly reflected in the credit report, liabilities are mainly divided into credit card use amount and loan use amount.

5. Marital status

Married people and their spouses support loan behavior, and their applications are much smoother than those of unmarried or divorced people. 6. Is there any real estate in my name at the place of application?

The loan does not require the applicant to own real estate, but it will be of great benefit to the application result if he can provide proof of having real estate in his own name and submit it as auxiliary materials.

6. Application conditions

1 I have a house in my name or a house in the name of a relative who agrees to borrow money. If the house requires a loan to repay the house for more than 3 months, it can be handled.

2 car loan repayment can be handled for one year, with a maximum of 300,000.

(3) 40 times of the annual loan amount for one year with insurance.

4. The monthly deposit of the provident fund is * * * 0/00 times of the loanable annual deposit of the provident fund above 900.

The above are several methods and requirements for unsecured loans. I hope I can help you see my name and give you a compliment.