How to get a loan from a bank without assets?

You can apply for an unsecured credit loan without any fixed assets;

Stable income and good credit are required.

To apply for a bank loan, you need to prepare the following documents:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence; < /p>

3. Proof of marital status;

4. Bank statement;

5. Proof of income or personal asset status;

6. Credit report;

7. Loan usage plan or statement;

8. Other information required by the bank.

Required conditions for bank loans:

(1) Applicants who are over 18 years old and have full capacity for civil conduct, permanent urban resident registration or legal and valid resident identity certificate, bank loan requirements The borrower's age is generally between 18-60 years old;

(2) Have stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank .

The procedure for unsecured loans is generally divided into three steps:

(1) The customer submits basic information, including work unit and contact number.

(2) The lending bank or company checks the customer's credit information, including whether the customer's credit rating has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

(3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.

1. Do you have a stable job, that is, have a check-in salary, social security provident fund, etc.?

2. Whether the credit report is good, that is, whether the credit report is overdue, how much debt there is, whether the number of inquiries is within the required range, etc.

3. Do you have insurance policies, real estate mortgage loans, etc.? If so, you can do insurance policy loans and monthly mortgage loans.

The overall funding plan and planning can be customized to achieve the lowest cost

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If you have no assets, you can apply for an unsecured credit loan from the bank; your application requires proof of income and a good credit report.

When applying for an unsecured loan, you need to prepare:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence ;

3. Proof of marital status;

4. Bank statement;

5. Proof of income or personal asset status;

6. Credit report;

The above information is ready to submit a loan application to the bank, if the bank provides other information. You then complete the submission and wait for the bank to review and release the loan.

1. Credit card channels: At present, many credit cards allow you to directly apply for consumer loans, usually in up to 24 installments. Just log in to the credit card APP to find the relevant channels. Call the customer service hotline of the credit card you already hold, enter the manual service, and apply for the credit card loan business from the customer service staff;

2. Guaranteed loan. Find someone with a good job and good credit as a guarantee and apply for a guaranteed loan from the bank.

3. Current or provident fund loan. If you can provide bank statements or local provident fund payment details that are stable and meet the basic threshold in the past year, some banks can provide current loan or provident fund loan products.

4. Small loans. Currently, you can apply for a loan through WeChat and Alipay without collateral.

There are no assets in your name

1. Banks require you to have a provident fund (generally, the company will pay it when you work normally). The interest is low and the amount is large. Now banks are also open to people who have jobs. Loan line of credit

Or you can apply for a credit card if you have a stable salary. A credit card is a kind of credit loan that allows you to spend money in advance. You only need to have a job to apply

2. Company type There are many types of loans that can be granted now without any assets in the name. For example, if you have a check-in salary, you can go to CreditEase. If you have a credit card with a limit of more than 30,000, you can go to Dadi and have social security. Most credit companies can basically apply for a loan for you

3. There is no need to say more about online loans. Now there are too many such as Weilidai, online merchant loans, Meituan 360, etc.

4. There is no need to say more about private loans. No consideration

Therefore, there are many loans that can be applied for if there are no assets in one’s name

The bank’s priority is between company type and online loan. Most of the interest rates are lower for company type

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Without assets as collateral, you can borrow money from banks through other means. For example, ask others to be a guarantee, use your own business's cash flow or receivables as a guarantee, etc. If your credit is good, you can also apply for a credit loan from the bank...and so on.

You can rent other people’s houses, land, and valuables first.

Get the certificate and then go to the bank to make payment! Four taels is worth a thousand pounds!

You can find a guarantor or a personal credit loan

Have a stable job and be able to issue proof of income to the bank. Then you can apply for travel loans, consumer loans and other loans that do not require proof of assets. But they won’t lend too much

Banks or investment companies, as well as some guarantee companies, will provide loans to unsecured customers, usually called credit loans. As long as you prove that you have the ability to repay, they will lend Here you go, to put it simply, as long as you have enough deposits in the bank or have a certain monthly turnover, they will lend you a corresponding amount based on your repayment ability.