Unsecured loan, also called unsecured loan, or credit loan. You don't need any collateral, you just need proof of identity, proof of income, proof of address and other materials to apply for a loan from the bank. Banks issue loans according to personal credit conditions, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.

Borrower's requirements

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3. Proof of income (specified format)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.