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Where does the unsecured loan go?
Unsecured loansWhere is the application? Do not think this question is very simple, very white. Sometimes it is often so seemingly white problems are often stumped a large number of people. Unsecured loans because they do not need to mortgage, only personal credit can be obtained by the people of all walks of life like. But many people have heard of the name of unsecured loans, but do not know where to apply to unsecured loans. Today we are going to say where unsecured loans to apply?
In fact, ah, the most common lending institutions is so two, one is the bank, one is a small loan company. Now we have to talk about these two institutions, respectively.
Unsecured loan market is now more and more hot, but banks will not give up this piece of fat, and now there are more and more banks have launched a credit business. However, the bank's mortgage-free loan approval can be described as a strict death, only in the high-end crowd to break through success. Specifically, first of all your personal credit to be good, if you have recently appeared overdue, you do not want to. In addition, you have to have a stable income, the income level as "tight spell" the same, about the approval results. For example, if you are in Beijing, want to successfully apply for Citigroup's happy loan, then your monthly salary to meet more than 5000. At the same time, you will also have to provide proof of income issued by the unit and 6 monthsWage flowTo prove the authenticity of income. So look down, low income, cash to receive wages and other groups basically can waved, and the bank's unsecured loans missed.
Small loan company
If the bank's unsecured loans are for those high-end crowd and prepared, then the small loan companies such as non-financial institutions, unsecured loans is specifically designed for me and other silk. The same is unsecured loans, small loan companies on the requirements of the borrower more relaxed. Take income requirements for example, it is also in Beijing,Ping An BankThe new loan only requires the borrower's monthly income of more than 3000 just fine. In addition, in addition to bank water can apply for a loan, if the cash is also available to the loan. Of course, the conditions are loose, the interest rate will naturally be higher, compared with the bank's unsecured loans, small loan company's unsecured loan product interest rates will generally be higher, but the risk of small loans to others is also big, so interest rates High point is understandable friends
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