1. unsecured loans unsecured loans, also known as unsecured loans, or credit loans. You don't need any collateral, just ID card, proof of income, proof of address and other materials, and 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. Ii. Applicable Objects Applicants generally need China citizens aged 65,438+08-60, who are in good health, have a local hukou in Maanshan or have lived there for one year and have a certain normal income. Three, apply for Ma 'anshan conditions and materials need to be prepared. Materials to be prepared 1, Chinese mainland residents aged 18; 2. Have a stable address and work or business place; 3. Have a stable source of income; 4. Without a bad credit record, the loan cannot be used for stock trading or gambling. 5. Other conditions required by the bank. Required documents 1, business license of loan applicant, organization code and tax registration certificate. Identity card of the legal representative; 2. The account opening permit of basic account, the loan applicant; 3, the loan applicant last year's enterprise account flow, and personal bank flow that can reflect the business situation of the enterprise; 4. Office land lease contract or ownership certificate; 5. The loan applicant's business premises rent invoice, utility bill and property fee bill (any one is acceptable) in the last month; 6. The loan applicant's recent personal residence rent receipt or utility bill; 7. The tax payment certificate of the loan applicant in the last three months (tax payment certificate issued by the tax bureau, or detailed tax account, or business tax and value-added tax invoice can be provided); 8, special place business license (need to franchise industry must provide, such as; Health permit, road transport business license, special trade business license); 9. Recent commercial contracts and orders. 4. Unsecured loan process 1, and submit an application to a local bank or lending institution; 2. Prepare various materials required for the loan; 3. Face-to-face signing of banks or lending institutions; 4. The bank examines the qualifications of the lender; 5. Approved and successful loans. The above are some problems described for the unsecured guarantee of Maanshan loan. So if you want to make an unsecured loan in Maanshan, you have to see if you meet the above application conditions. Individuals who meet the application conditions should prepare their personal information. If the company loans, the information may be more. After the preparation is completed, they should apply according to the process.