What are the conditions for a small unsecured loan?
1. First of all, the applicant must be a citizen who has reached the age of 18 and has full capacity for civil conduct or an enterprise legal person registered in the industrial and commercial department. Additional conditions include: legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located, stable income source and ability to repay the loan principal and interest in full and on time, good credit record and willingness to repay, and no illegal acts and bad records.
2. Only by meeting these conditions, users can stand out from the crowd who apply for unsecured micro-loans from banks. Of course, there will be different other restrictions for different commercial banks. For example, ICBC, users apply for unsecured micro-loans from ICBC, and the applicant must be a customer of ICBC's private bank, wealth management, peony platinum card or wealth management account.
3. If you are a wealth management account customer, you must hold the wealth management account card of China Industrial and Commercial Bank of China for more than 1 year, and the quarterly average daily balance of financial assets in China Industrial and Commercial Bank of China in recent 1 year is more than 200,000 yuan (inclusive). Only when these basic conditions and additional conditions are met can users apply for unsecured micro-loans from banks.
What are the procedures for small unsecured loans?
1. The unsecured loan products provided by banks are different, and the application conditions are also different. Generally, the following materials are needed: Personal identity information includes ID card, household registration book, marriage certificate, etc. Proof of stable income sources includes bank serial number and labor contract certificate. Proof of stable address (housing lease contract, utilities and other related materials).
2. You can directly call the customer service hotline of the bank to be loaned to consult how to obtain unsecured loans and get more information.
3. Apply for unsecured loans in banks. For most lenders, when asked how to apply for unsecured loans and what channels are available, bank loans are the first choice. In order to gain more market and meet the requirements of more fund demanders, banks are also scrambling to launch various unsecured loan businesses, for example, new loans from Ping An Bank. Compared with other application channels, it is safer to apply for unsecured loans in banks and the funds are more secure.
4. Apply for unsecured loans in small loan companies. For borrowers who do not meet the requirements of bank loans, they can go directly to local formal credit companies or microfinance companies for loans. The loan procedures of small loan companies are simpler than bank loans, but you must first determine the formality of the loan company to prevent being cheated and causing economic losses to yourself.
What are the conditions for small unsecured loans? What are the processes? I made a detailed introduction, and I believe my friends will probably understand what unsecured personal loans look like after reading them. Warm reminder: Dear friends, when handling unsecured loans, you must find a formal lending institution to avoid unnecessary troubles in the future.