As far as the current situation is concerned, personal unsecured loans are generally handled through banks, and a few are handled by formal loan companies. The loan amount that different lending institutions can apply for is often different. At present, the loan amount of personal unsecured loans is usually about 10 times of personal monthly income. The maximum amount of unsecured loans is 10 million yuan, but the specific situation needs to be closely related to the local urban economic development level and personal qualifications.

The specific steps, application conditions, interest rate and application amount of the loan are different for everyone or every enterprise. Generally speaking, the specific loan interest rate is determined by many factors, such as the qualifications of the applicant, collateral and other guarantees, the nature of financial institutions and so on. Different applicants and loan types need to provide different 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.