Personal Loan 私人贷款

A personal loan is an unsecured form of credit extended by financial institutions to individuals, typically based on their creditworthiness, income, and repayment capacity. Unlike secured loans, personal loans do not require collateral and are often used for purposes such as debt consolidation, medical expenses, education, or major personal purchases. These loans usually come with fixed interest rates, predetermined repayment terms, and regular installment payments. Lenders assess the applicant’s credit score, employment stability, and financial obligations before approval.

个人贷款是一种无担保信贷形式，由金融机构根据借款人的信用状况、收入水平及还款能力发放。与有担保贷款不同，个人贷款无需提供抵押物，通常用于债务整合、医疗支出、教育费用或大额个人消费等用途。此类贷款一般设有固定利率、约定还款期限，并以定期分期付款的方式偿还。贷款机构在审批前会综合评估申请人的信用评分、就业稳定性及现有财务负担。

文件需求：

• 最近3个月工资单

• 最近3个月银行账单（储蓄或往来户口）

• 身份证复印件

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Documets Required:

• 3 Months Payslip (Latest)

• 3 Months Personal Bank Statement (Latest)

• Copy of NRIC

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