Is Lanzhou Personal Unsecured Credit Loan Reliable?
1. It is more reliable for formal financial institutions in Lanzhou to handle unsecured credit loans. Formal lending institutions will require borrowers to provide proof of identity when handling loans, that is, they cannot obtain loans without ID cards.
2. When choosing a loan institution in Lanzhou, you must be careful to avoid falling into the trap of a liar. First of all, high loan interest rate is definitely illegal; Followed by those charges before lending (such as handling fees, deposits, interest, etc.). ) must be a liar, because formal lending institutions stipulate that there is no charge before lending to borrowers.
3. Personal unsecured credit loans in Lanzhou need personal credit records, especially the credit records of the applicant in the bank account, to see if there have been any bad behaviors such as overdraft and refusal to pay. Personal debt ratio. Under normal circumstances, banks will only consider providing unsecured loans to applicants if their debt service burden does not exceed 25% of their annual after-tax income.
How to handle the unsecured credit loan in Lanzhou?
1. Apply for a loan from the bank; After the bank accepts it, it evaluates the value of the mortgaged house and approves the loan amount according to the evaluated value; Sign loan contracts, etc. ; Handle real estate mortgage registration; Bank loan.
2. Personal unsecured credit loan in Lanzhou requires my ID card, household registration book, marriage certificate/divorce certificate and military officer's card. Proof of real estate license or residence permit. Other documents required by the bank according to its own risk control capability. Income certificates issued by units and companies, including income, occupation and basic introduction.
3. Personal unsecured credit loans in Lanzhou need academic certificates, professional titles and honorary certificates. Personal comprehensive income certificate. Bank flow, including cash deposits and punch-in wages. Proof of marital status. Generally refers to the single certificate and divorce certificate. The latest water and electricity invoice. Or the certificate of the neighborhood Committee. Property documents: including real estate, cars, stocks, bills, etc.
The above is about whether personal unsecured credit loans in Lanzhou are reliable and how to handle them. Not everyone can apply for personal unsecured loans. Before applying for an unsecured loan, you'd better check with the local authorities.