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What are the application channels for unsecured loans?

Time: 2014-06-03         Source: Rong 360 original         Author: Chen Li

Unsecured loans carry no collateral, and only the highlights of personal qualifications are on the scene, making people hungry and thirsty, and people with insufficient collateral are thumbs up and praised. Excited, for the newcomers to the loan, the most concerned issue is probably "how to handle unsecured loans." Now in 360, we will introduce you to the two most common unsecured loan application channels, and I hope to help you.

Bank

The bank’s unsecured loan approvals tend to be strict, and only the middle and high-end people can succeed. Specifically, good personal credit is a must. In addition, the income level is like the “tightening curse”, which affects the borrower’s approval results. Take Beijing as an example, the borrower's income needs to reach 4,000 yuan, and it is expected to join the ranks of bank loans. At the same time, in order to ensure the authenticity of the borrower's income, not only the work certificate issued by the unit in which it is located, but also the bank flow generated by the 3-6 months of punching wages is also an indispensable application material. In line with this principle, people with low income, cash and wages can basically wave their hands and miss the bank.

Non-bank financial institution

As a supplement to banks, non-bank financial institutions make up for the shortcomings of their lack of services. Here, you will be surprised to find that loan demand is easily satisfied. In terms of income requirements, in Beijing, it is only for unsecured loan products that apply for office workers with a monthly salary of 3,000 yuan.New salary loanHand in handElite loanZhonghui good loan treasureSalary loanBoarding investmentSalary loanIn this way, it can be said that the low-income people feel the warmth of the sun.

In addition, regardless of the traditional form of bank flow, if your salary is cash, you only need to deposit your salary in the same bank card every month, and the self-storing water generated after 6 months. It can also be recognized.

It can be seen that the existence of non-bank financial institutions has filled the gap in the silk loan market. However, on the other side of the coin, the risks borne by such institutions are bound to increase, and in order to balance risks, natural charges are not advantageous.

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