If you have a banking license, you can't get a loan from Lincang Agricultural Bank. Bank loans need stable repayment sources and good credit information. The business license can be used as proof of assets, but it cannot be used as a condition for handling bank loans.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, and permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) permanent residence of urban residents with full capacity for civil conduct or valid ID card of 18 years old, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

The procedure for handling unsecured loans is usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the customer's credit rating, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the loan unit signs a contract with the customer and realizes the loan in the shortest time.