The loan conditions of self-employed, which bank can give loans to self-employed;

Many self-employed people start their own businesses as bosses, and when they encounter some jams more or less in the process of operation, they need to go to the bank for loans. The income of self-employed individuals is not very stable, so it will be more difficult to apply for general loans. Fortunately, many banks have self-employed loans. Let's see what they have.

I. Agricultural Bank-Personal Employment Loan

A secured loan product issued by the Agricultural Bank of China can be applied by individual industrial and commercial operators, sole proprietorship investors, partnership partners, small and micro enterprise owners, etc. , a single family can get a loan amount of 6,543,800 yuan, with a maximum term of 5 years.

Two. Industrial and Commercial Bank of China-Personal Commercial Loan

ICBC provides customers with RMB secured loans for business activities, with a maximum amount of 3 million yuan, which can be applied once and recycled for up to 3 years.

Three. Bank of Communications-Personal Commercial Loan

The RMB loan granted by Bank of Communications to individual industrial and commercial households or actual controllers of enterprises for the flow of production and business activities has a maximum credit line of 6,543,800,000 yuan, a short-term working capital loan term of no more than 654.38+0 years, and an individual medium-and long-term working capital loan term of no less than 654.38+0 years and no more than 5 years.

Before, I also needed business turnover. I used several products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!

Where can I get a loan?

If it is a loan, my advice to you is that China Merchants Bank, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, China Bank and Huaxia Bank are all good. You can choose any bank according to your convenience and preference. If you have assets such as houses and cars in your name, I suggest you apply for a bank mortgage loan. All major banks have similar products, so you can give priority to state-owned banks such as workers, peasants and China Construction. Generally speaking, the interest of state-owned banks will be lower than that of joint-stock commercial banks.

China Merchants Bank: It can be distributed in batches according to the different needs of customers. The amount of each loan shall not exceed the approved loan amount. The loan term and repayment method should be consistent.

Industrial and Commercial Bank of China: salary, running water and bonus are required, and the qualification examination requirements are strict, and the submitted materials must be true and effective. Generally speaking, the loan amount is relatively high and the term is relatively long.

Huaxia Bank: It can be borrowed and repaid at any time within the loan term, without bank approval. There are many kinds of guarantee methods, which can support mortgage and pledge guarantee, and the loan period is longer, up to 5 years.

Specific loan process: 1. Apply for a loan. Customers can learn about the bank's credit products in advance to see if they are suitable for them. After understanding clearly, they can call the bank's customer service consultation or consult on the spot. Go to the bank to fill out the loan application form, and bring your ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents. 2. Pre-lending investigation. Banks are qualified to conduct a preliminary examination of the personal data of loan applicants. If it meets the requirements, it will enter the next loan link. 3. Loan approval. The approver decides whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant. 4. Mortgage registration. If a loan applicant chooses a mortgage loan, he shall go through the relevant registration formalities after approval. 5. issue loans. Those who meet the conditions of bank loans and go through the formalities according to law can issue loans.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting. 2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting). 3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers. 4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan. 5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house.

Ping An Bank's personal credit loan is quite good. Because Ping An Bank's personal credit loan does not need guarantee, the procedures are simple and the approval speed is fast, which is generally good.

To judge whether a credit loan is good or not, you can look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income and repayment ability. When a loan company applies for a loan, it mainly depends on its realization ability and personal reputation. Borrowers with debts can also borrow from banks or loan companies as long as they can provide relevant information. Comparing loan interest rates: Compared with credit loans, the risk is lower, and the loan interest rates in different regions of the same bank may be different. Comparison of approval speed: there are many bank processes and the approval time is long. It is possible to get a loan in about 20 working days at the earliest. The loan company has simple procedures and fast approval speed, and it takes 10 working days to obtain the loan. Compare loan lines.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.

Which bank is the best for personal venture loan?

Agricultural bank.

Borrowers must have the conditions to apply for personal loans.

1, 18-65 years old, with full capacity for civil conduct, with a fixed residence in the local area and valid identity documents;

2, with a valid production and operation certificate, engaged in special industries should have the right to approve the special industry business license issued by the department;

3. Have management experience in this industry and have been engaged in this industry for more than 2 years, and have certain management capabilities;

4, with stable operating income and the ability to repay the loan principal and interest on schedule;

5. The secured loan must be legal, effective and worthy of guarantee;

6. Good credit record;

7. Meet other conditions of Agricultural Bank of China.

Extended data:

Matters needing attention

1. The loan applicant's investment projects require him to have certain self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

2. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.