To apply for unsecured loans, enterprises need to meet certain loan conditions first. Taking the "enterprise unsecured" of Standard Chartered Bank in Shanghai as an example, the requirements for borrowers are:
Age 20-60 years old, no bad credit record; The requirements for the enterprise are: the enterprise type is a limited liability company or a partnership, there is no major equity change within 6 months, it has been registered and operated in Shanghai for more than 3 years, and the monthly income from invoicing should be higher than 500,000. Textile, clothing, steel trade, real estate developers can not apply for the time being.
Eligible business owners can apply to the bank with information. The required information includes:
Personal identity card, if you have real estate, you can provide real estate license; Business license, tax registration certificate, account opening permit, organization code, articles of association, capital verification report, loan card, bank statement of the enterprise in the past six months, semi-annual VAT billing summary table, business tax billing summary table, office lease contract, etc.
Shanghai enterprise unsecured loan application process;
1. The borrower submits written loan application materials;
2. The bank shall review and investigate the application materials submitted;
3. After examination and investigation, the bank signs a loan contract with the borrower;
4. Bank loan, the applicant uses the loan;
5. The borrower repays the loan on schedule according to the provisions of this contract;
6. Settle the loan.
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