How Do I Choose the Best Unsecured Bank Loans?

Unsecured loans, also known as credit loans, are divided into personal unsecured loans and corporate unsecured loans. Personal unsecured loans refer to individual customers without providing any collateral or guarantor. The bank gives the corresponding loan amount, which can be used for decoration, car purchase, tourism, education and other consumer purposes. Enterprise unsecured loans refer to small and medium-sized enterprises used for capital turnover or other purposes without providing any collateral and guarantors. Banks provide corresponding loans based on the operating conditions of the enterprise. ^[1]

Unsecured bank loan

Also known as

In the case of urgently needed funds and lack of collateral, borrowers may consider applying for personal unsecured loans. However, when applying for this loan, the borrower must first understand several factors that the lending institution will focus on:

I. Personal credit history

If the borrower's personal credit is stained, applying for personal unsecured loans will be quite difficult.

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With the development of the times, buying a house and a car has become a fashion, but for a large part of young people, one-time purchase is still not enough, and unsecured loans may be required. How much do you know? If you don't understand it, please take a look at the following, I hope it will be helpful to you after reading it.

Unsecured monthly mortgage loan: House car mortgage loan. If the mortgage is more than one year, the credit is no problem, you can borrow 45 times the monthly mortgage of the house and 36 times the monthly mortgage of the car. The application materials are only copies of ID cards and mortgage contracts. The materials are extremely simple, no collateral, no spouse presence, no proof of income and bank flow.

Housing slave car slave apply for unsecured loan conditions:

1. Age 25-55 years old, personally have other bank real estate mortgage loan or car mortgage loan.

2. The credit report shows that the past six months cannot be overdue for more than 30 days, the past one year cannot be overdue for more than 60 days, and the last two years cannot be overdue for more than 90 days. "," Bad debt "," freezing "," stop payment "and other special circumstances;

3. No other types of loans from Ping An Bank (credit cards are okay; if you have a loan, you can settle and provide proof).

Real estate mortgage requirements: the loan has been repaid for more than 1 year or has been settled within half a year

Car mortgage requirements: The amount of car mortgage loans is more than 100,000, and the loan has been repaid for more than one year or has been settled within six months.

Unsecured loan-monthly loan application process:

1. Provide a copy of the front and back of the ID card to check the credit report and determine the loan amount

2. Bring the information to the bank to formally submit the application;

3. Answer the bank's audit call and wait for the audit result (it can be completed on the same day);

4. Funds are deposited into the borrower's bank account.