Applicants generally need China citizens aged 18-60, who are in good health, have a local hukou or have lived there for one year, and have a certain normal income.

application document

1. Business license, organization code and tax registration certificate of the loan applicant. Identity card of the legal representative;

2. The account opening permit of basic account, the loan applicant;

3. The operation of the company account of the loan applicant in the last year, and the operation of the personal bank that can reflect the operation 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 recent rent receipt or utility bill of the loan applicant's personal residence;

7. The tax payment certificate of the loan applicant in the last 3 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. Business license of special place (industries that need franchise must be provided, such as; Health permit, road transport business license, special trade business license);

9. Recent commercial contracts and orders.

Extended data

Unsecured loan is a form of loan liability without specific asset guarantee, that is, a loan issued without the guarantee provided by the borrower or a third party according to law. Unsecured loans are also called unsecured loans or credit loans.

Unsecured loans do not require any collateral. They only need proof of identity, proof of income, proof of address and other materials (the specific proof depends on what bank they are applying for and the type of unsecured loan) to apply for a loan from a 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 own specific conditions, and then sign a contract with the bank.

Reference materials? Unsecured loan _ Baidu Encyclopedia