Under normal circumstances, it is not good to apply for a loan without collateral, but it is not absolutely impossible. If the borrower's relatives and friends are friendly, have a house and a car, and are willing to help as a guarantor, they can apply for a loan. At the same time, the borrower should have proof of the source of repayment, so that the financial institution can make sure that you can repay the interest on a monthly basis and return the principal at maturity. If you meet the following two conditions, you can get a loan with nothing:

1, college students' entrepreneurship loan; Mainly for newly graduated college students, the loan amount is determined according to the project that the borrower is going to start a business, with a maximum of 50,000 yuan;

2. Re-employment loans for laid-off workers; You need to go to the local labor and social security bureau to start the corresponding certificate, and then submit a loan application to the corresponding bank. The maximum loan amount doesn't seem to exceed 50 thousand yuan.

Second, how to borrow 300,000 yuan with nothing? These four ways are all very good!

With the development of the financial industry, loans become easier and easier. Many people will choose to apply for loans from major institutions when they are short of money. Although the loan threshold has been lowered a lot, certain conditions are still needed. If the borrower has nothing, it takes skill and luck to get a loan successfully. So if I have nothing, how can I get a loan of 300 thousand? This is not difficult. Let's talk about this topic today.

1, credit loan Pure credit loan does not need mortgage guarantee, and the borrower can apply without any assets. It is very suitable for people who have nothing, but the loan amount is not high, generally between100-200,000, so they can only solve some problems, and the rest need to find another way. The most basic requirement for applying for a credit loan is that you 18 years old and have sufficient repayment ability. 2. Mortgage loan If parents or children have a house and a car, they can also be used as mortgage loans. The mortgage loan amount is calculated according to the house price, loan term, repayment ability and loan amount. It is also possible to borrow 300 thousand. The car is a little lower, but the luxury car is expensive and has a short service life. There are many people who invest in financial management and stock trading. Don't forget that you still have such "invisible wealth". Treasury bonds, national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other securities can all apply. It doesn't matter if you have nothing. As long as there is a relationship, you can find someone to give you a guarantee or loan. The guarantor must have a stable job and sufficient repayment ability, which can be an individual or an enterprise. If the system conditions are met, the loan success rate is very high.