1. My business license has been expired for one year, can I get a loan of 20,000?
Yes.
You can apply at your local bank.
Application requirements:
1. Be a resident of mainland China who is over 18 years old;
2. Have a stable address and work or business location;
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3. Have a stable source of income;
4. Have no bad credit record, and the loan cannot be used for stock trading, gambling, etc.
5. Other conditions required by the bank.
Processing process:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for a loan;
3. Interview with a bank or lending institution;
4. The bank reviews the lender’s qualifications;
5. The review is approved and the loan is granted successfully.
2. Does the business license have to be held for one year before I can get a loan?
Normally, you need to register and operate for one year, and provide your ID card, household register, marriage certificate, business license, tax registration certificate, etc. before you can apply. If you apply for a mortgage loan, the value of the collateral is the most important. Generally, the loan amount is 6 to 8 times the value of the collateral. Banks generally only accept real estate as collateral. If your collateral is goods, etc., you generally need to go through a guarantee company. The second is a reasonable explanation of the source of repayment, such as monthly business turnover. If you apply for a credit loan, the daily operating flow of the company is the most important. You can provide bank statements as proof, and it would be better if you can provide tax certificates. Banks generally can only provide 1/3 of the monthly flow. Secondly, asset information will improve the success rate of loans.
3. My business license has been for one year, can I get a loan of 20,000?
Yes
4. My business license has been for one year, can I get a loan?
Legal analysis: Business licenses can be used for loans after one year. Business license loans generally enjoy relatively low interest rates. The maximum loan amount is 3 million yuan, and the loan period can be as long as 3 years. The bank will review the materials provided by the customer, mainly reviewing the credit profile and income assets. After passing the review, the bank can sign the contract. A business license can be borrowed if it has been in business for one year. Some bosses who have just started doing business often encounter problems. So when you need funds, you should pay attention to the following information when using a business license loan: You must go to the industrial and commercial office Apply for a business license with the bureau and obtain a certificate of legal operation of the company. If you encounter cash flow problems, you can go to a bank to use the business license for a loan. Business license loans generally enjoy relatively low interest rates, with a maximum loan amount of 3 million yuan and a loan term of up to 3 years. The process of applying for a business license loan is relatively cumbersome: 1. Prepare the corresponding application materials: including identity materials, proof of residence, proof of marriage, income certificate, etc.; 2. Go to the corresponding business outlet to apply, and the bank will proceed based on the materials provided by the customer. The review is mainly a review of the credit report and income assets. After passing the review, you can sign the contract. After signing the contract, you will review it. If there are no problems, the applicant will get the loan. It should also be noted that to apply for a business license loan, in addition to meeting the basic conditions such as age, household registration, credit, guarantee, etc., you also need to meet the business license registration requirement for more than one year. Loans cannot be obtained for less than one year. Legal basis: Article 1 of the "Individual Income Tax Law of the People's Republic of China" An individual who has a domicile in China, or who has no domicile and has lived in China for a total of 183 days in a tax year, is a resident individual. Resident individuals shall pay personal income tax in accordance with the provisions of this Law on their income derived from within and outside China. Individuals who do not have a domicile and do not live in China, or who do not have a domicile and live in China for less than 183 days in total in a tax year, are non-resident individuals. Non-resident individuals shall pay personal income tax in accordance with the provisions of this Law on their income derived from within China. The tax year begins on January 1 and ends on December 31 of the Gregorian calendar.