You can get a loan with a business license, but at the same time, you must meet the conditions of the loan and bring the rest of the relevant information.

Borrower's conditions:

Have full capacity for civil conduct and local household registration;

Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source;

Can provide legal, sufficient and easy-to-realize collateral;

Open a deposit account with a loan bank.

Extended data

Information provision

The original ID card, the original household registration book and its copy are consistent with the original;

Provide the original and photocopy of the annual business license and tax registration certificate;

Relevant information that can prove their legitimate income;

Relevant information that can prove their marital status;

Provide legal and sufficient collateral and evaluation report;

The mortgagor or pledgor fills in the mortgage undertaking in bank format;

Other information required by the bank.

Baidu encyclopedia-individual industrial and commercial loans

Can a self-employed business license be loaned?

Self-employed individuals can apply for loans with business licenses. If you want to apply for a loan with the business license of self-employed, you must meet the loan conditions. Details are as follows:

1, personal business license loan needs to operate the project for more than one year and needs to be audited by the industrial and commercial department;

2. The lender must be a citizen with full capacity for civil conduct and have a fixed residence;

3. Lenders must also have sufficient repayment ability. You can apply for a loan after meeting other conditions required by the loan bank.

Interim Measures for the Administration of Personal Loans

Article 11

What are the following conditions for applying for a personal loan?

The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

The purpose of the loan is clear and legal;

The amount, duration and currency of the loan application are reasonable;

The borrower has the willingness and ability to repay;

The borrower's credit status is good and there is no significant bad credit record;

Other conditions required by the lender. Personal business license loans need to be operated for more than one year and need to be audited by the industrial and commercial departments;

1. The lender must be a citizen with full capacity for civil conduct and have a fixed residence;

2. The lender must also have sufficient repayment ability and provide the bank's running account for the past six months;

3. The lender shall have a good credit record, stable income and a fixed business place.

To sum up, yes, there are other materials to be submitted. Business license loan process: submit a business license loan application to the bank and consult the loan related matters; Submit business license loan process related information, such as business license certificate. If self-employed individuals apply for loans, they should provide the bank's operating flow for nearly six months. If enterprises apply for loans, they should provide the operating flow certificate and corporate financial statements for nearly one year.

Legal basis: Article 20 of the Regulations on Individual Industrial and Commercial Households. Individual industrial and commercial households can open accounts in banks or other financial institutions with their business licenses and tax registration certificates and apply for loans according to law. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans.

Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Can I get a loan for my business license?

Loans are available, taking personal business loans of Industrial and Commercial Bank of China as an example:

Loan terms:

1, a natural person with full capacity for civil conduct, aged between 18-60. Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.

2. Have a legal and valid identity certificate, household registration certificate and marital status certificate;

3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons;

4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;

6. It can provide legal, effective and reliable loan guarantee recognized by the lender;

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by China Industrial and Commercial Bank.

Extended data:

Loan application materials:

1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;

2. Original and photocopy of the annual business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons;

3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in enterprise units, rental income, deposits in ICBC or other banks in the past six months, government bonds and funds and other average financial assets certificates. ;

4 bank settlement account details or tax payment vouchers and other supporting materials 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. Have the right to dispose of the mortgagee's consent documents.

6. If the loan is secured, relevant information of the guarantor shall be provided;

7. Other information required by the bank.

Baidu Encyclopedia-Industrial and Commercial Bank of China Personal Business Loan

Can individual business license be loaned?

For the industrial and commercial self-employed, when encountering financial problems, they can apply for loans with their business licenses. I. Individual industrial and commercial households' business license loans need to meet the following requirements for banks:

1, self-employed projects need to reach more than one year, and need to have a business license audited by the industrial and commercial department.

2. The applicant is a China citizen with full capacity for civil conduct and permanent residency.

3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year.

4. Applicants need to have a fixed business place and a stable income.

5. The borrower needs to have a good personal credit record.

6. Need to guarantee, mortgage or pledge.

The process of handling the business license loan is as follows:

1. Submit the business license loan application to the bank and consult the loan related matters;

2. Submit business license loan process related information, such as business license certificate. If self-employed individuals apply for loans, they should provide the bank's operating flow for nearly six months. If enterprises apply for loans, they should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report.

3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. If you apply for a mortgage loan, you will go through the mortgage registration formalities.

4. The bank issues loans to designated accounts.

Can the business license of individual industrial and commercial households be loaned?

The business license of individual industrial and commercial households can be loaned, and the following conditions must be met: 1. Personal business license loans need to be operated for more than one year, and they need to be audited by the industrial and commercial departments; 2. China citizens who have reached the age of 18 and have full civil capacity have the right of permanent residence; 3. The borrower must have sufficient repayment ability and can provide the bank with running water for nearly half a year. Let's take a look through the Bianxiao Law Express.

First, how to borrow the business license of the self-employed

When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his identity certificate, marriage certificate and address certificate. , and must also provide a bank account for more than half a year. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.

Application process:

1. The borrower shall fully prepare the above information and submit it to the lending institution;

2. The lending institution shall review the materials and conduct pre-loan investigation on the borrower;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The borrower repays the loan according to the contract.

Can I get a loan for my individual business license?

You can borrow money. Generally speaking, banks first mainly check the credit of small and medium-sized enterprises to obtain loans. The first check is settlement credit and loan credit, as well as commercial credit, financial credit and tax credit. Only after checking the above credit problems can the enterprise be considered eligible for loans.

With the above qualifications, the enterprise shall submit the following materials according to the requirements of the bank: loan application, company profile, copy of company business license, enterprise code certificate, tax registration certificate, special industry production and operation license, qualification certificate, articles of association, capital verification report, introduction of legal representative, corporate loan ID card, legal representative identity certificate issued by the company and other materials required by the bank.

Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce.

The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred.

Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.

Baidu Encyclopedia-Business License