For individual industrial and commercial households, business licenses can be used for loans in emergencies, and business licenses are one of the necessary items for applying for loans. In addition, the following views are for your reference only:
First, the self-employed business license can be loaned:
Individual industrial and commercial households loan is a personal loan service designed and launched by banks to meet the financing needs of individual industrial and commercial households. According to the characteristics of simple financial management and quick and flexible business turnover of individual industrial and commercial households, the loan application materials and approval procedures are simplified accordingly.
Two, if it is a credit loan, in addition to the business license, the self-employed should also submit the following materials:
1, second-generation ID card; The bank has been in operation for nearly 6 months; Proof of address;
2, rental contracts, utilities payment documents;
3. Business purchase and sale contracts, such as order contracts, pos machine receipts, invoices and other business address certificates, lease contracts, rent invoices, water and electricity bills, etc.;
4. Some lending institutions also require other supporting materials, such as proof of communication and detailed list of mobile phone calls; Proof of assets: real estate license, etc. If you apply for a loan company, you also need to provide a personal credit report. Therefore, self-employed individuals cannot apply for loans only with their business licenses.
Three. Conditions for applying for a business license loan
1. Lender's age limit 18 years old and 55 years old, and the lender has a fixed residence;
2. The borrower has stable income, repayment ability and timely repayment, and has income records in recent months;
3. The lender has a good credit record and cannot have a bad record;
4. Need to provide the guarantor's certificate and collateral.
The most important condition is that the self-employed projects need to reach more than one year, and they need a business license audited by the industrial and commercial department.
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