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What are the conditions to meet the formal personal small unsecured loans?

Time: 2018-02-13         Source: Huishang Office         Author: The Department of Business

Recently Xiaobian received a customer telephone counseling, the question is this "unsecured loans to meet the conditions is the formal individual small unsecured loans," because of the recent need for loans, but with the small amount of unsecured loans is not Understandably, I hope we can get some definite answers.

To see this issue in fact reflects the side of the Internet development of the financial and safety awareness of the spread, so that more for those who need funds have a sense of self-regulation. Solve financial problems you do not know through the Internet and ask professionals.

Back to the topic, Xiaobian first take everyone to look at the concept of personal loans without mortgage.

What is an unsecured personal loan? It is a business-type loan with an individual or family as the core. Its main service targets are the general industrial and commercial self-employed households, small workshops and small property owners. The amount of loans is generally less than 100,000 yuan, 1,000 yuan or more.

Unsecured loans, also known as unsecured loans, or credit loans.

Do not need any collateral, just proof of identity, proof of income, proof of address and other materials (specific evidence to see what is the bank) to apply for a loan to the bank, the bank is based on individual credit conditions to issue loans, the interest rate is generally slightly higher In a secured loan, the customer can choose the loan life according to the specific circumstances of the individual, and then sign a contract with the bank to be protected.

After reading the concept of unsecured loans is not already have a preliminary understanding of this? Xiaobian to give blow to talk about the regular individual small unsecured loans in the "formal" are reflected in where:

1, will not charge any money before lending. Regular unsecured loans do not charge anything before lending. Even if you charge a fee, you will be charged after the loan is made. No matter if you are online or in your life, any organization that collects any fees before lending is an informal organization.

2, personally signed the loan contract. At present, there are many unsecured loan institutions on the Internet. Pay attention that both parties should sign the contract in person and do not sign it by fax. This is less secure.

3, unsecured lending rates higher. Regular unsecured lending rates tend to be higher because unsecured loans are more risky, lending institutions reduce lending risk by raising interest rates, and all unsecured loan products with lower interest rates need to be cautious.

Xiao Bian still suggest that everyone in the application for personal unsecured loans, we must make a good screening of institutions, select the formal institutions for the relevant business can reduce a lot of unnecessary trouble.

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