The concept of personal business loan
First of all, let's take a look: what is a personal business loan? The so-called personal business loans refer to loans granted by banks to individuals engaged in legitimate production and operation.
Personal business loan purpose
Personal business loans are mainly used for the borrower to purchase or lease commercial housing, machinery and equipment and other personal production and operation funds turnover needs.
According to the purpose of the loan, personal business loans are divided into personal business special loans and personal business working capital loans. Among them, personal business loans are used for borrowers to buy or lease commercial houses, machinery and equipment, and the repayment source is mainly cash flow generated by business production; Personal operating liquidity loans are mainly used to meet the liquidity needs of personal production and operation.
Personal business loan amount
For the personal business loan amount, the bank will determine it according to the actual situation of the borrower. However, different banks have different regulations on the maximum amount. For example, CCB's personal business loans can reach up to 6.5438+million, and ICBC and BOC's personal business loans can reach up to 3 million ... Therefore, borrowers with large capital needs must "shop around" when choosing loan banks.