What are the types of unsecured personal loans?

1. What are the types of unsecured personal loans?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results). Basic conditions for lightning loan application: 1, holding China Merchants Bank card; 2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old; 3, have the ability to repay the loan on time, no illegal behavior, good credit. Tips: 1. After the lightning loan is issued, the cash will be distributed to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate. 2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100. 3. There are two ways to apply for a loan within the line of lightning loan: (1) 15 minutes for lending: automatic approval within 5- 10 minutes, immediate lending after passing, and SMS notification (2)T 1 day for lending: T 1 day for telephone verification. If you don't answer after three times of active contact, the application fails and you need to apply again. 4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information. (reply time: 2022 165438+ 10/. The above contents are for your reference. If there are business changes, please refer to the latest business rules. Tips: If you have any questions, you can call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.

Second, what are the bank conditions?

Before applying for a bank, the borrower must clearly understand the loan requirements and required procedures in order to make preparations in advance. So, what are the bank conditions?

I. Loan conditions

1, with full capacity for civil conduct;

2. Have a stable job and income and the ability to repay in full and on time;

3. Personal credit record is good;

4. Meet the requirements of lending institutions.

Second, the required procedures

The procedures required for mortgage loan are relatively simple, including: my valid identity certificate, my residence permit and other materials required by the lending institution.

In addition, what needs to be explained to you is that the expected annualized interest rate is higher than the mortgage loan, and the borrower should choose according to his own reasons.

Third, what platforms are there?

There are many regular companies, but there will only be more fraud companies, which depends on your discriminating ability. Just don't be too greedy, and be careful if you don't conform to the market rules. Some interest rates are low, but there will be some extra expenses, some interest rates are higher, and other expenses are basically gone. At present, there are active small loan companies and intermediary companies outside, coupled with the recent efforts of the Internet p2p lending platform. In short, there are various methods. It is suggested to compare the rates and approval rates given by various platforms before making a decision. Recommend the easy loan platform I borrowed last month. The rate is not high and it is easy to pass. I was doing activities when I applied for a loan at that time, which was more cost-effective. I hope to give you a reference.