Legal analysis: unsecured and unsecured loans, also known as unsecured loans, or credit loans. Mainly for individuals with stable income sources, without any mortgage or guarantee, applying for loans from financial institutions only needs identification, income proof, address proof and other materials. Loans are granted according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their own specific conditions and then sign a contract. Some illegal lending organizations disrupt the market. For example, those who claim that they can lend money as long as they provide their ID cards and do not need proof of income. Generally, these illegal organizations will make up various excuses and charge various fees to lenders before lending in order to achieve the purpose of cheating. Please look for a regular loan company that doesn't charge fees before lending, and don't be deceived.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) China citizens and non-China citizens with full capacity for civil conduct must also abide by relevant state regulations;

(2) Having a clear and lawful purpose;

(3) Having a reasonable loan amount, term and currency;

(4) Having the willingness and ability to repay;

(5) It has a good credit status and no major bad records;

(6) Other conditions stipulated by the lender.

Second, how to apply for a mortgage-free secured loan?

Hello, landlord ~ personal credit can be up to 50 thousand; Loanable for 3 years; Recommend that you find a loan company to handle it; It is difficult to run a bank alone. Second, the threshold in slow three is too high. I found a company called Tianjin Lida Investment Company to handle it. Only some simple materials were provided; Payment will be made within one week; And they don't have any fees in the early stage; After the next payment, only part of the handling fee was charged; Give you a phone number of their manager, 155, Tong 222,698,56, and then you can call for advice ~! I hope I can help you ~!

3. What channels are used to handle mortgage-free and unsecured loan business?

Service, where you and I borrow money, you can easily handle it.