First, it is best to provide proof of assets

Personal unsecured loans, of course, are loans without collateral. However, these mortgage assets cannot be used without collateral or loans.

In fact, you don’t need to make a real mortgage. You only need to give the bank a certificate to prove that you have these valuable properties, and then show that you have the ability to repay the loan. of. In this way, the bank will judge you as a high-quality customer and submit your review speed.

Second, provide proof of insurance

When banks review personal unsecured loans, they are more inclined to customers who have paid insurance. If you have purchased insurance and have paid it continuously for more than half a year, the bank will lend you money much faster than the average person, and may even give you a larger balance.

Third, choose the repayment period

Although banks can provide several repayment periods for customers to choose from. However, there is also a way to choose what kind of repayment period, because the repayment period will also affect the speed of loan devolution. If you don’t have the favorable conditions above, you can only start here.

First of all, try not to choose the shortest term for repayment, because there are too many terms and the bank can earn too little profit. Then they may not be willing to lend you money so quickly and give priority to other loans. User review period. In fact, this is not good, because if you borrow less money for your personal unsecured loan and repay it in twelve installments, the bank will think that you may not have the ability to repay it at all.

A customer who does not have the ability to repay is definitely dispensable in the eyes of the bank, so it doesn’t matter whether they lend you money or not. Therefore, the final conclusion is of course to choose a loan term that is neither long nor short.

Four. Choose the right loan bank

If you are in a hurry, you need to apply for a personal unsecured loan. Then, it is best to choose a bank that provides a mortgage, a credit card, or a payroll agency. The bonding with these banks is much higher than that of other banks. For these banks, you are their old customers. Of course, they will give priority to old customers.

Extended information:

Application procedures

1. Sign a subscription letter: The customer signs a subscription letter with the real estate development company that has signed a contract with the bank, and submits the The real estate development company pays the first installment of the house purchase process;

2. Process the application: The customer goes to the law firm entrusted by the bank to handle the mortgage application procedures, including submitting personal information, paying various fees, and filling in the legal Documents;

3. Payment review: The law firm will conduct a preliminary review of the customer's application, and then the bank will review it; if the review fails, the customer information and fees collected will be returned;

4. Other legal procedures: The law firm handles insurance, notarization and mortgage registration and filing;

5. Loan issuance: The bank transfers the loan amount to the developer's account and notifies the customer to start payment. building.

Ifeng.com-How to apply for a bank personal unsecured loan quickly