commercial loan

Have legal residence status;

Have a stable occupation and income;

Having the ability to repay the loan principal and interest on schedule;

There is an asset mortgage or pledge recognized by the lending bank, or (and) there is a guarantee that meets the prescribed conditions.

There is a contract or agreement for the purchase of housing;

CCB has a deposit of not less than 30% of the funds needed to purchase housing. If the advance payment for house purchase has been paid to the selling unit, the original and photocopy of the payment receipt shall be provided;

Other conditions stipulated by the lending bank.

Two, how to do a good job in the development of small business credit business next year

Well, yes! !

Let's see what others say.

3. What is a small and micro enterprise loan?

Small and micro enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the prescribed interest rate and time limit for production and operation. Small and micro enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, unit certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or agreed interest-bearing bills discounting, domestic recourse factoring, and export tax rebate account custody loans.

Fourth, how to market the credit business of small and micro enterprises?

1, advertising (community-led, public facilities-led, newspapers and periodicals)

2. Accumulate contacts (I can introduce you to the account manager of the bank, the industrial park management committee, the Federation of Industry and Commerce, and the leaders in charge of industries in various districts and cities, including old customers).

3, strange visit (tired, but effective)