1. unsecured loans, also known as unsecured loans, or credit loans. There is no need for collateral, and materials such as identity certificate, income statement and address certificate have different provisions. (Specifically, it proves that banks apply for loans from banks, and the interest rate of bank loans is generally slightly higher than that of mortgages according to personal credit conditions. Customers can choose a personal loan with a fixed term according to the specific situation, and then sign a contract, which is more secure.

2. Loans must be issued by formal financial institutions and handled according to formal procedures. Sometimes unsecured guarantee is deceptive, and criminals throw out lures such as "unsecured guarantee is free", "interest-free" and "same-day loan". Once someone takes the bait, they will ask the lender to pay the so-called small interest, risk deposit and handling fee in the name of "assessment fee". Once the funds are in place, they will take advantage of the lender's ignorance and unfamiliarity with online banking to transfer the lender's funds from the bank account. If the loan is defrauded, it is recommended to call the police at the first time and submit relevant records, bills of exchange vouchers, bank accounts, telephone numbers and other information communicated with the other party to the police for effective tracking.

There are many unsecured loan scams. Charging before lending is the most common trick in unsecured loans, and the victims of loan fraud will fall into this trap in nine cases out of ten. The swindler caught the borrower's desire for success and lack of common sense. The first step is to gain trust. The so-called loan can be obtained by providing information such as "ID card". The second step is to weave various reasons to charge the borrower in advance, usually including material fees and deposit. Third, the borrower puts the money into the bank account, achieves the goal, and then disappears.

Most unsecured loans use interest-free loans as bait. Speaking of interest-free loans, I have to teach you. Interest-free loans are actually policy loans, which are government support projects for laid-off workers, retired soldiers, college students and migrant workers. If you obviously don't belong to one of these groups, the other party still promises to provide you with an interest-free loan.