Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years. Personal credit loan is a loan service based on personal credit and repayment ability. No mortgage or guarantee is required, but certain identity, address and income proof are required. Different institutions have different loan requirements, processes and approval quotas.

When a borrower applies for a personal credit loan from a bank, it is required to fill in the application form in writing and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc. );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:

(1) written certificate of post and professional technical level issued by the personnel department of the high-quality corporate client unit;

(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate under the name of the individual (or spouse);

(3) peony platinum card customer information;

(4) Customer certification materials of China Industrial and Commercial Bank's wealth management account;

(5) China Industrial and Commercial Bank personal loan contract text.

In addition, there are many companies on Ningbo personal credit loan online that can call for consultation, and foreigners can also apply.