Question 1: What are the requirements for applying for an unsecured credit loan from a bank? Jincetong Financial Consultant’s reply: Hello! Personal unsecured small credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit without providing guarantees. Based on personal credit and repayment ability, the amount generally does not exceed 8,000-300,000, and the loan period ranges from half a year to 5 years.

Application conditions for personal unsecured credit loans:

1. Have a fixed residence in China, have a local urban permanent residence, and be a Chinese citizen over 20 years old;

2. Have a good occupation with legitimate and stable economic income, and have the ability to repay the loan on time; the monthly salary bill must be at least 3,000 yuan

3. Have no bad records on the national credit record;

4. Other conditions specified by the bank.

The bank will affect the interest rate and limit based on whether you have a loan, real estate, company tenure, annual salary, liabilities, current living status, and marriage.

Question 2 : Does anyone know of a bank or company that provides unsecured loans, which require nothing but an ID card? 10 points means loan sharking, there are many small advertisements on the street

Be cautious

Question 3: What is an unsecured bank loan? It means that there is no need to use a house or vehicle as collateral~

Then the bank will give you a loan~

This is an unsecured loan

Question 4: Which banks have unsecured credit loans? 20 cents Xueshan Loan has unsecured credit loans

Question 5: What does unsecured loan mean? Unsecured loans, also known as unsecured loans, or credit loans. No collateral is required, only proof of identity, proof of income, proof of address and other materials, as well as a loan application from the bank. The bank issues loans based on the individual's credit situation. The interest rate is generally slightly higher than that of secured loans. Customers can apply for loans based on their personal credit conditions. Choose the loan term based on your specific circumstances, and then sign a contract with the bank to ensure your loan is guaranteed. If there is anything else you don’t understand, you can go to Xinan Zhongrong to learn more. Hope this helps.

Question 6: Which banks can provide unsecured loans or secured loans? Some people explain it at random. Bank loans are divided into two categories, guaranteed loans and credit loans.

Guaranteed loans: According to the Guarantee Law, guarantee methods are divided into five categories: guarantee, pledge, mortgage, lien, and cash.

Credit loan: A credit loan refers to a loan issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantee. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of our country's banks for a long time. Since this type of loan has high risks, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, development prospects, etc. to reduce risks.

At present, credit loan business is mainly handled through banks, loan companies, and electronic financial institutions.

Domestic banks with credit loan products include Citibank, Standard Chartered Bank, Ping An Bank, Bank of Ningbo, etc.

Domestic formal credit loan companies, such as CreditEase.

Credit loans (credit loans) are booming in China. Although it has not been around for a long time, all parties are actively launching products to compete for the market.

The credit loans officially promoted in China include the cash loan launched by Standard Chartered Bank, which is a credit loan. The loan amount can be from 8,000 yuan to 20,000 yuan. The *** of this type of product launched by the bank is the same. It is characterized by low quota, high threshold and slow procedures.

The credit loan from the loan company has a limit of about 20,000-300,000 and an interest rate of 1.5-3.

Some loan companies are commonly known as loan sharks. The characteristics of this type of product are fast speed and flexible credit limit, but the cost is hidden in fees and other charges. The actual loan cost is much higher than the advertised interest rate.

The credit loan of a guarantee company is a credit loan provided to customers through a guarantee company guaranteeing bank loans. The limit can generally reach a maximum of 300,000, and the fee model is the interest on the bank loan plus the guarantee fee of the guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and do not charge interest. This is also a criterion for identifying whether a guarantee company is formal.

P2P lending and financial management platform, the limit is not too high, the speed is between loan companies and banks, the characteristic is that the loan procedures can be completed through the Internet, and the repayment can be made through online banking or Alipay, but the rates are not the same. uncertain.

Second, the total profit calculated from operating income has continued to grow in the past three years, the asset-liability ratio is controlled within a good value range of 60, and the cash flow is sufficient and stable;

Third, the company promises not to use its Set up a mortgage (pledge) on effectively operating assets to others or provide external guarantees, or obtain the consent of the lending bank before handling mortgage (pledge), etc. and providing external guarantees;

Fourth, corporate operation and management regulations , no bad credit records such as defaulted debts and interest arrears.

Scope of application: Enterprises (public institutions) legal persons, other economic organizations, and individual industrial and commercial households that have been approved and registered by the industrial and commercial administration authorities, and comply with the requirements of the "General Rules for Loans" and bank regulations.

Credit currency and term RMB and foreign currency. The loan term is mainly determined by the borrower's production cycle, repayment ability, project evaluation and the lender's financial strength, etc., and is determined through negotiation between the borrower and the lender.

The loan interest rate is determined based on the interest rate and its floating range stipulated by the People's Bank of China, and is stated in the loan contract.

Credit customer application materials: Credit business application form;

Basic information of the borrower, qualification documents, loan certificate (card), authorization letter, etc.;

The last three years and the most recent financial statements and reports audited or approved by the competent authority;

Board of Directors resolutions, relevant approval documents from the borrower’s superior unit;

Project proposal, feasibility study Reports and approval documents from the competent departments;

Loan usage plan and description of repayment sources;

Business contracts related to the purpose of the loan;

Required by the bank Other information.

Application for personal credit loan information 1. Provide personal identity proof, which can be ID card, residence permit, household register, marriage certificate and other information;

2. Provide stable address proof, House rental contract, water and electricity payment slip, property management and other relevant certificates;

3. Provide proof of stable income source, bank statement, labor contract, etc.

4. Provide proof of loan purpose.

You need to prepare materials for a personal credit loan 1. First of all, you must have a valid identity document, provide a household register and have full civil capacity;

2. Have a stable... ...gt；gt;

Question 7: What are the repayment methods for unsecured loans, one-time payment and installment payment?

Question 8: What about private unsecured loans? What does it mean? What should I do if I still can’t make it? Is it reliable? You'd better go to a regular company. Anyone who dares to be a private person is not a good person. It's best not to think about not paying back. If you go to a formal loan institution, you will be blacklisted by the bank. If you go to a private company, just pray that they will never catch you.

Question 9: How to get an unsecured loan with ID card? Go to the bank and it costs 50 points. It’s ok. Small credit loans. But there are admission conditions.

Some banks can provide small credit loans.

In addition to an ID card, you also need to issue a proof of income

As an emerging form of loan, bank personal unsecured loans are popular among everyone for their unsecured characteristics, but at present There are many so-called nationwide networks on the Internet that provide information on personal unsecured loans from banks regardless of region. These so-called "loan companies" and "loan groups" all claim that they do not limit your location and do not require you to have any mortgage. , you only need your ID card to lend money to you. This kind of information is all fraudulent information. Yidiandai please pay attention to the risks:

Characteristics of bank personal unsecured loan scams

1. The company has a relatively big name, so-called "xx loans" Group", "XX Loan Group Company", etc. It is impossible for such companies to exist, and it is impossible for the industrial and commercial authorities to allow the registration of such company names.

2. Some will pretend to be the name of a bank or a well-known company, but none of them have an office address. If the customer requests a door-to-door interview, they will try their best to recommend the appointment, and they will not be able to provide the real company business license and personal ID card. .

3. The mobile phone number in the advertising information. Through the mobile phone number query, it can be seen that the location of the mobile phone number does not match the address stated by the other party.

4. The loan conditions are easy, no mortgage is required, and there is no need to sign a formal contract in person. Basically, you can get a loan by faxing some information.

5. When the loan seeker is tempted, the scammers will use various reasons to ask for fees first, such as "verify whether you have the ability to repay?" "pay interest in advance" "lawyer fees, verification fees, Insurance premiums, handling fees, security deposits, etc., etc., have only one purpose, requiring you to pay first.

6. When loan seekers were deceived, they found that the scammer’s mobile phone could no longer make calls. Some loan seekers even did not know the other party’s company, personal name, ID card, or even where the other party was. You were deceived without even knowing it.

Anti-fraud countermeasures for bank personal unsecured loans

Only a few banks have opened personal unsecured loans for certain areas (unsecured loans of banks are generally targeted at big cities) White-collar workers), and follow formal procedures: bank statements for salary cards need to be provided, personal income tax payment certificates need to be provided, and the original documents need to be brought to the bank to sign a loan contract in person, etc.

Please go to the other party's company for on-site inspection, meet in person and sign a formal contract. Currently, there is no magical person who can operate a loan purely by communicating on the Internet or on the phone.

When signing a contract, please keep a copy of the other party’s company business license and ID card, and verify the authenticity. (The authenticity of the company can be checked through the industrial and commercial website, and the personal ID can be checked through mobile phone text messages.

Please do not pay any upfront fees before the loan is credited to your account. Reference platform: 1ploan/

Notes on personal unsecured loans from banks

All bank loans or loans from small loan companies must be signed in person to sign a loan contract, and remittance is not possible. The fees charged by banks or institutions are certain. It is collected in person and a formal receipt is issued. No matter how short of money you are, don't believe the information that promises a loan without asking any questions about your qualifications. Be careful whether it is through direct contact with the bank or a third-party loan platform. Beware of fraud and do not conduct transactions or negotiations in remote places