It is divided into basic requirements and qualification requirements.

1. The most basic requirements

The main restriction is on the age of the borrower. Generally, the age of the applicant cannot be less than 20 years old and the maximum age is not more than 55 years old.

In addition, applicants must have full capacity for civil conduct and be responsible for what they do.

2. Have stable repayment ability

An unsecured loan of RMB 500,000, in addition to requiring the borrower to have a stable job income as a source of repayment, will also have an impact on the borrower's economy. Assess strength.

Generally, the borrower’s spending power, personal debt situation, etc. will be taken into consideration.

3. Good personal credit

Lending institutions will check the borrower's credit report and judge the borrower's credit status based on the above loan records.

In addition to not having bad records such as overdue debts, bad debts, and repayments, borrowers are also not allowed to apply for loans and cards frequently in the short term to avoid repeated credit inquiries by financial institutions.

4. Provide reasonable loan purposes

Most of the large unsecured credit loans are earmarked for special purposes. When applying for a loan, the borrower will be asked to choose the purpose of the loan, such as investment, tourism, etc. wait.

Reasonable loan purposes can improve the loan approval rate to a certain extent.

However, it should be noted that after the loan is successful, the funds must be used within the selected loan purpose. The lending institution will conduct post-loan management from time to time to verify the purpose of the funds.

If the purpose does not meet the requirements, once it is found out, it is likely that the loan will be settled early.

Only required: Changbai data. Click Query and enter the information to query your own credit data, query your personal credit status, Internet black index score, blacklist status, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and Internet Important data information such as loan and credit limit estimates, etc.

Extended information:

What are the conditions for an unsecured loan?

You can apply for an unsecured loan at a bank or a lending institution.

The same conditions may be as follows.

1. Identity

The borrower must be over 25 years old, have full capacity for civil conduct, have a fixed residence in China, and have a permanent residence or valid residence certificate.

2. Economic situation

The borrower must have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time.

3. Personal credit

The borrower cannot have a bad credit record and his personal credit must be good.

4. Others

The borrower must open a personal settlement account with the lending bank and meet some other conditions set by the lending bank.

Because unsecured loans do not require collateral, there are no requirements for collateral, and the documents to be prepared for the loan will be relatively small. You only need to prepare proof of identity, proof of residence, proof of income, and assets. Just prove it and wait.

Basically, it is an ID card, household register, house rental contract or utility bill payment slip, as well as bank statements, labor contracts, etc. If you have sufficient assets, you can prepare a real estate certificate and a car driving license. Class proof.