What is an unsecured financial institution?

Question 1: What are the requirements for applying for an unsecured credit loan from a bank? The financial advisor replied: Hello! Personal unsecured micro-loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount generally does not exceed 800,000-300,000, and the loan period ranges from six months to five years.

Personal unsecured credit loan application conditions:

1. China citizens over the age of 20 who have a permanent residence in China and a permanent residence in a local town;

2. Have a good job with a just and stable income and the ability to repay the loan on schedule; The monthly salary bill should be at least 3000 yuan.

3. There is no bad record on the national credit record;

4. Other conditions stipulated by the bank.

Banks will look at whether you have loans, real estate, work experience, annual salary, debts, current living conditions and marital status, all of which will affect interest rates and quotas.

Question 2: Does anyone know that banks or companies with unsecured loans just want nothing but ID cards? 10 is a usurer, and there are many small advertisements on the street.

be careful/cautious

Question 3: What do you mean by unsecured bank loans? You don't need to mortgage your house and vehicle ~

Then the bank gives you a loan ~

This is an unsecured loan.

Question 4: What bank has unsecured credit loans? 20 points Snow Mountain loan has unsecured credit loan.

Question 5: What does unsecured loan mean? Unsecured loan, also called unsecured loan, or credit loan. You don't need any collateral, you just need proof of identity, proof of income, proof of address and other materials to 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. If you still don't understand anything, you can understand it in principle. I hope I can help you.

Question 6: Which banks can make unsecured loans? People with secured loans can explain. Bank loans are divided into two categories, secured loans and credit loans.

Guaranteed loan: According to the guarantee law, the guarantee methods are divided into five categories: guarantee, pledge, mortgage, lien and cash.

Credit loan: Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.

At present, credit loans are mainly handled by banks, loan companies and electronic financial institutions.

Banks with credit loan products in China include Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.

Formal domestic credit loan companies, such as CreditEase.

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

The credit loan officially promoted in China is the cash loan group launched by Standard Chartered Bank, and the loan amount can be 8,000 yuan to 20,000 yuan. This kind of products launched by banks are also characterized by low quota, high threshold and slow procedures.

The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are commonly known as usury. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the publicity interest rate.

Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not.

P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.

Credit loan with loan application conditions

First, if the credit rating of corporate customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;

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

Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees;

Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.

The scope of application is enterprises (institutions) legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the conditions stipulated by the general rules of loans and banks.

Currency and credit 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.

The loan interest rate is determined according to the interest rate stipulated by the People's Bank of China and its floating range, and is specified in the loan contract.

Application materials for credit customers: application for credit business;

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

Financial statements and reports audited or approved by the competent authority in the last three years and the latest issue;

Resolutions of the board of directors and relevant approvals from the borrower's superior unit;

Project proposal, feasibility study report and approval documents of the competent department;

Description of payment plan and repayment source;

Commercial contracts related to loan purposes;

Other information required by the bank.

Apply for personal credit loan information 1, and provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other information;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

4. Provide proof of loan use.

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

2. Stability ... >>

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

Question 8: What about non-governmental unsecured loans? What do you mean? What if it doesn't open? Is it reliable? You'd better go to a regular company. Those who dare to be selfish are not good. It's best not to consider not returning it. If it is a formal lending institution, it will be blacked out by the bank. If you are private, pray that they will never catch you.

Question 9: How to get an ID card unsecured loan? You can go to the bank for 50 minutes. Small credit loan. But there is an entry condition. Some banks can have small credit loans.

In addition to the ID card, you need to open a proof of income.

As a new form of loan, bank personal unsecured loan is deeply loved by everyone because of its unsecured characteristics. But at present, there are many so-called national networking on the Internet, which can provide personal unsecured loan information of banks in any region. These so-called "loan companies" and "loan groups" all claim that they can lend you money without limiting where you are and without any mortgage. This kind of information is fraudulent information, please pay attention to the risks of a little loan:

Characteristics of personal unsecured loan fraud in banks

1. The company name is relatively large, so it is impossible for the so-called "xx loan group" and "xx loan group company" to exist, and it is impossible for the industrial and commercial departments to allow such company name registration.

2. Some will pretend to be banks or well-known companies, but there is no office address. If the customer asks for an on-site interview, he will try to make an appointment, and can't 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, you can see that the attribution of the mobile phone number does not match the address said by the other party.

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

When the borrower is tempted, the liar will ask for the fee first with your reasons, such as "Check whether you have repayment ability?" "Pay interest in advance", "lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on have only one purpose, that is, you should pay in advance.

6. When the borrower was deceived, it was found that the liar's mobile phone could not be dialed, and even some borrowers were deceived without knowing the other company, personal name and ID card, or even knowing where the other party was.

Anti-fraud countermeasures of personal unsecured loans of banks

Only a few banks have opened personal unsecured loans in some areas (bank unsecured loans are generally aimed at white-collar workers in big cities), taking a formal process: banks need to provide salary cards, provide personal income tax payment certificates, and bring the original relevant materials to the bank to sign loan contracts face to face.

Please go to the other company for field investigation, face-to-face contact and sign a formal contract. At present, there is no magical person who can operate the loan purely through network and telephone communication.

When signing the contract, please keep a copy of the other party's business license and ID card to distinguish the authenticity. (the authenticity of the enterprise can be inquired through the industrial and commercial website, and the personal ID card can be inquired through SMS.

Please don't pay any upfront fees until the loan reaches your account. Reference platform: 1 plan/

Problems needing attention in personal unsecured loans of banks

All bank loans or loans from small loan companies must be signed by myself, and there is no possibility of remittance. Fees collected by banks or institutions must be collected in person and an official receipt issued. No matter how short of money you are, don't believe the information that promises you can get a loan without asking about your qualifications. Whether through direct contact with banks or through third-party loan platforms, we should pay attention to fraud prevention and do not conduct transactions and negotiations in remote places.