Processing flow of tobacco loan: 1. Submit a loan application; 2. Bank investigation and approval; 3. Sign a loan contract; 4. Implement loan guarantee conditions; 5. Banks issue loans; 6. The borrower repays the loan as required.
Tobacco loan terms: 1, married, aged 30 (including 3 years old) -60 years old (including). 2. Don't look at the time of business license, but actually operate for more than 2 years (inclusive). The loan period shall not exceed the validity period of the tobacco license. 3, personal settlement account for more than one year of bank flow and collection of cigarette money business flow. The personal settlement account must be in the name of the customer himself or his spouse, and the personal settlement account for collecting cigarette money must be in the name of the customer himself. The bank flow of the main personal settlement account and the business flow of collecting tobacco money need to be continuous every month. 4. The total amount of tobacco payment business in recent1February shall not be less than 200,000 yuan. 5. The net income of the borrower and spouse shall not be less than 300,000 yuan.
Information required for the initial application: original business license, cigarette certificate, lease contract, husband and wife ID card, marriage certificate, bank account for more than one year, asset certificate, and invoice for purchasing cigarette certificate in the last three months (required during the investigation).
If there is a demand for capital turnover, I recommend you to use the credit service brand "Qianhua" of Xiaoman Finance (formerly Baidu Qianhua, renamed "Qianhua" in June, 20 18). Big brands are reliable, with low interest rates and trustworthy. Money is spent-full easy loan, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
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It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions of Fuguihua: The application conditions of Fuguihua are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you have money to spend, you refuse to provide college students with installment loans. If you are a college student, please give up your application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: The application only supports debit cards and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and I can't apply with temporary id card, expired ID card or first-generation ID card. Online lending is risky, so choose carefully!