Guangzhou unsecured microfinance refers to a small loan that can be obtained by providing the identity information and income certificate of the borrower without providing collateral. This kind of loan is generally small, generally within 6.5438+0 million yuan, which can be used for all kinds of consumption in daily life.
Second, the advantages of unsecured microfinance in Guangzhou
1. No mortgage required: Guangzhou unsecured microfinance does not require mortgage, only the borrower needs to provide proof of identity and income to apply for a loan.
2. Flexibility: Guangzhou unsecured microfinance can flexibly control the amount and duration of the loan, and can use the loan more flexibly according to its own situation and needs.
3. Convenience: The application process of unsecured microfinance in Guangzhou is simple and the approval speed is fast. Generally, it only takes 1-2 working days to complete the approval.
Three, Guangzhou unsecured microfinance application conditions
1. Identity requirements: The borrower of unsecured microfinance must be a citizen of Chinese mainland, aged between 18-55.
2. Income requirement: The borrower's monthly income requirement is not less than 2,000 yuan, which can be salary income or other income.
3. Credit requirements: The borrower is required to have a good credit record and no overdue records.
Four. Guangzhou unsecured micro-credit approval process
1. Submission materials: The borrower needs to submit his/her ID card, income certificate, credit report and other materials for loan review.
2. Review: The loan examiner will review the materials submitted by the borrower to determine whether the loan can be issued.
3. Lending: After approval, the lending institution will release the loan to the borrower's bank account.
Verb (abbreviation of verb) Guangzhou unsecured small loan repayment method
1. Matching principal and interest repayment: Matching principal and interest repayment means that the repayment amount of each installment is the same, and the repayment amount of each installment consists of principal and interest. The principal is decreasing and the interest is decreasing. At the end of the loan, the principal and interest are paid off.
2. Pay interest on a monthly basis, and repay the principal at maturity: Pay interest on a monthly basis, and repay the principal at maturity means that only interest is paid in each period, and the loan is repaid once at maturity. This repayment method has higher interest expenses.
Matters needing attention in Guangzhou unsecured microfinance with intransitive verb
1. Loan amount: When applying for a loan, the borrower should reasonably control the loan amount according to his own actual situation, and do not apply for an excessive loan amount.
2. Repayment ability: When applying for a loan, the borrower should ensure that he has sufficient repayment ability to avoid overdue.
3. Loan approval: When submitting a loan application, the borrower should provide as accurate information as possible for the loan approval personnel to review, so as not to affect the loan approval.