Application conditions
1, aged over 18 and under 60, having a fixed residence within the jurisdiction of the branch, permanent residence or valid residence certificate;
2. The borrower and its business entity have good credit and stable operation;
3. Other conditions stipulated by the relevant bank.
Application material
1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;
2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;
3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in business units, rental income, deposits in ICBC or other banks in the last six months, national bonds, funds and other general financial assets certificates. ;
4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;
5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.
6. If the loan is secured, relevant information of the guarantor shall be provided;
7. Other information required by the bank.
At present, the personal business loans of domestic banks have the following characteristics:
1. High loan amount: for example, the maximum loan amount of personal business loans of China Merchants Bank can reach 30 million; China Industrial and Commercial Bank is 6,543,800 yuan; At least it depends on your specific situation.
2. Long loan term: general credit can be up to 10 year, and a single loan can be up to 5 years;
3. There are many ways of guarantee: only pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market manager guarantee, joint guarantee, mutual guarantee and combination guarantee.
4. It has the function of revolving loan: this kind of loan can be applied once, recycled and repaid as you borrow it, which is convenient and fast.