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What are the applications for unsecured loans?

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

  Unsecured loansDo not need collateral, only personal highlights of the highlights of the debut, so that the funds hunger, the lack of effective collateral people thumbs up, praised. Excited, the loan novice, the most concerned about the problem is probably "how to handle noMortgageNow, we will introduce two of the most common unsecured loan application channels, hope to help you.

Bank

Bank of unsecured loans approving strict, only in the high-end crowd to break through success. Specifically, good personal credit is necessary, in addition, the income level is like "tight spell", like the borrower's approval results. In Beijing, for example, the borrower's income to reach 4,000 yuan, 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 need their work issued by the unit to prove that at the same time 3-6 months to punch the wages generatedBank waterIt is also an indispensable application material. In such a principle, low income, cash to receive wages and other groups can basically waved, and the bank missed.

Non - bank financial institutions

Non-bank financial institutions as a supplement to the bank to make up for its shortcomings in the service, where you will be surprised to find that the loan demand is easily met. Take income requirements, the same in Beijing, just accept a monthly salary of 3,000 yuan office workers apply for unsecured loan products, no less than 4, such as the letterNew salary, Delivery of the QuartetElite Credit, In the exchange of good loansSalary, Through the investmentSalary, So and so can be described as low-income people feel the warm sunshine.

In addition, do not rigidly adhere to the traditional sense of the form of bank water, if you pay for the cash to pay the way, then only the wages of the monthly fixed-time deposit into the same bank card, 6 months after the self- The same can be recognized.

It can be seen that the existence of non-bank financial institutions to fill the blank silk market loans blank. However, the other side of the coin opened, the risk of such institutions is bound to increase, in order to balance the risk, natural fees are not an advantage.

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