Big Yong Cheng, tell me.

Basically, every bank has unsecured and unsecured loans, but the methods are different, the information required is different, and the interest is different. Unsecured loans are actually personal credit loans! Under normal circumstances, personal credit loans are provided by banks. As long as your qualifications meet the requirements of personal credit loans, you can apply for loans! Compared with other large loans, this kind of loan is convenient to handle and has a low threshold, but the interest rate is relatively high and the lending time is relatively short. Bian Xiao will elaborate on which banks can apply for small unsecured credit loans and the application conditions. Many people or enterprises who can't apply for loans in banks will choose microfinance companies. Compared with banks, microfinance companies will be more relaxed in reviewing loans and the loan procedures will be relatively simple. However, when applying for unsecured loans in a microfinance company, the most important thing is to ensure the formality and authenticity of the microfinance company, so as not to let the applicant be deceived. As a loan intermediary platform emerging with the development of the Internet, applicants can submit applications for unsecured loans to the online lending platform, and the online lending platform will contact loan banks and microfinance companies for them. The online lending platform is only an intermediary for banks and other lending institutions to collect loan demand, and applicants ultimately need to apply for loans through banks and microfinance companies.

I. Unsecured microfinance

Unsecured microfinance, that is, small unsecured credit loans, is a commercial loan centered on individuals or families. Generally, the amount of unsecured small loans for Songdian Investment Management Company is less than 654.38+10,000 yuan, or more than 1000 yuan.

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.

Second, the 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.

The bank will see whether you have a loan or a real estate. The company's length of service, annual salary, liabilities, current residence and marriage will all affect the interest rate and quota.