什么是”unsecured personal loan”?


如果你在美国需要申请个人贷款,可能会涉及到这样一个说法:unsecured personal loan。这个表达具体是什么意思呢?它表示:无抵押个人贷款。注意这里的:unsecured,字面意思是,不安全的。这里指的是无抵押物(collateral)提供担保的。美国知名的贷款中介平台LendingTree指出:Unsecured personal loan involve much less paperwork than secured loans like mortgages, but more than products like payday advances. 即:Unsecured personal loan涉及的手续远比房屋按揭贷款要少,但又比薪资贷款要复杂。在美国的一些知名网贷平台(如Prosper等)进行小额个人贷款,只需对借款人的信用进行评估,都是无需抵押物的。参考英文例句:You can use an unsecured personal loan to consolidate debt or finance large purchases.(你可以利用无抵押个人贷款进行债务整合或是完成大额购物。)


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