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I want to borrow 200,000 yuan to start a business. What conditions do I need and how can I repay them?
A bank loan of 200,000 yuan requires the following conditions:

1. If you own a house and the value of the house exceeds 300,000 pounds, you can get a mortgage of 200,000 pounds in the bank or. Required information: ID card, marriage certificate, household registration book, income certificate, bank account, property right certificate, land certificate, information of married and educated parties.

2. Enterprise's credit loan: What is needed is that the business license of the enterprise has expired for one year. If the income is good, you can handle the required information: ID card, marriage certificate, household registration book, business license, tax registration form and bank account.

3. Credit loan. The requirement for a credit loan of up to 200,000 yuan is very high. What is needed is that the lenders are cadres above the civil service level, executives of top 500 enterprises, doctors and teachers. What is needed is information: ID card, marriage certificate, household registration book, income certificate and bank account.

Two. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

(2) Proof that the borrower's spouse promises to repay jointly;

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loan, and the written documents of the owner and property co-owner agreeing to mortgage (pledged);

(7) Collateral appraisal report issued by the appraisal department recognized by the bank;

(8) Other information required by the bank.

I hope it helps you.