Yes, the policies of banks in different regions are different. Where are you from?

Two, operating loans can generally be borrowed for several years.

The term of operating loans shall not exceed 5 years at the longest. The longest loan period is 3 years.

Commercial loans are financing products that serve small and medium-sized business owners or individual industrial and commercial households. Borrowers can obtain bank loans by way of guarantee, and the loan funds are used for the business needs of their enterprises or individual industrial and commercial households.

Application conditions

Borrowers applying for personal investment and business loans must meet the following requirements in addition to basic conditions such as products.

1, with urban permanent residence or valid residence status;

2. No bad social credit record and good credit; 3. borrowed

4. The product has good market prospects and economic benefits;

5. Good operating and financial conditions;

6. Being able to provide effective guarantee recognized by the lender;

7. loans.

In addition to the above conditions, according to the general loan rules, the administrative organ (or competent authority) shall inspect other economic organizations, individual industrial and commercial households or natural persons with China nationality and full capacity for civil conduct.

The borrower shall meet the following basic conditions:

1. Abide by the credit and have the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off;

2. Except for natural persons, the annual inspection procedures shall be handled by the administrative department for industry and commerce (competent authority);

3. basic account or general deposit account has been opened;

4. Unless otherwise stipulated by the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets;

5. Capital requirements;

6. The proportion of the owner's equity of the enterprise legal person applying for medium and long-term loans and new projects to the capital of the investment project with the total investment required.

In any of the following circumstances, the bank will not issue it.

1. Does not have the qualification and basic conditions of the loan entity;

2 production, operation or investment in products and projects prohibited by the state;

3. Violating the provisions of the State on foreign exchange control;

4. The construction project has not obtained the approval document, which shall be reported to the relevant departments for approval in accordance with state regulations;

5 production, operation or investment projects without the permission of the environmental protection department;

6 in the implementation of contract, lease, joint venture, merger (merger), shareholding system reform and other original loan debts, the implementation of.

Three, operating loans can be borrowed for several years.

According to the regulations of domestic financial institutions providing commercial loans, the term of commercial loans is about 1-30 years. According to the standards of lending financial institutions, if it is a credit loan, the term is relatively short because it does not need mortgage guarantee, and the general loan term is between 1~3 years. If the mortgage loan can provide assets under its name, the term will be longer, up to 30 years. 1. Commercial loan is a financing product serving small and medium-sized business owners or individual industrial and commercial households. Borrowers can obtain bank loans through real estate mortgage and other guarantee methods, and the loan funds are used for the business needs of their enterprises or individual industrial and commercial households. 2. What are the specific conditions for applying for operating loans? 1. The applicant is a natural person with full civil capacity, such as a self-employed, a major partner of a sole proprietorship enterprise/limited liability company or a natural person shareholder. 2. The applicant is between the age of 18 and 60 years old, has a fixed residence at the location of the loan bank, and can provide permanent residence or valid residence certificate. 3. The borrower and the operating entity enterprise have no record of non-performing loans in banks or small loan companies. For example: ① No more than three overdue records in the last 24 months, and each overdue time is no more than 90 days; ② The lending bank has no overdue loans; (3) Without the deposit, the guarantor will compensate; ④ Not on the blacklist of CBRC. 4. Other conditions. ① The borrower (or spouse) is the actual owner of the business entity; ② The enterprise was established with the approval of the administrative department for industry and commerce and passed the annual inspection; (3) Having a fixed business place and standardized company management; (4) Normal operation 1 year or more, no tax evasion, no bad credit record; (5) It can provide legal collateral recognized by the loan bank. Iii. Submission materials for personal business loans: 1. Proof of residential address (not the account where the loan bank is located); 2 after the annual inspection of the business license, tax registration, articles of association and other materials, special industries, but also need to provide a special industry business license; 3. Detailed address and proof of property right of the business place; 4. Proof of income or personal assets; 5. Water and electricity payment list; 6 audited financial statements and tax payment vouchers; 7. Agreements or contracts related to the purpose of the loan; 8. Other materials required by the bank.