Business license, 1 year or above. household register
Second, how to borrow a business license? What are the loan conditions of the business license?
Application conditions
1. The project to be operated needs to reach more than one year, and a business license is required.
2. The applicant is a permanent residence with full capacity for civil conduct.
3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year.
4. Applicants need to have a fixed business place and a stable income.
5. The borrower needs to have a good personal credit record.
6. Need to guarantee, mortgage or pledge.
Application material
1. Copy of ID card and household registration book;
2. Provide the original and photocopy of the certificate;
3. Relevant information that can prove their legitimate income;
4. Can prove his marriage certificate.
5. Provide legal and sufficient collateral and evaluation report;
6. The mortgagor or pledger shall fill in the mortgage (pledge) pledge in bank format;
7. Other information required by the bank.
Application process
1. Submit the business license to the bank.
2. Submit the relevant information of the business license loan process. For example, the business license certificate should provide the bank's cash flow for nearly six months. When an enterprise applies for a loan, it shall provide the business flow certificate for the past year and the financial statements of the enterprise. And the borrower's credit report.
3. If approved, both parties sign a loan contract. If you remember the manners.
4. Tilting direction
Third, how to borrow a business license? What are the loan conditions of the business license?
Application conditions:
1. The project to be operated needs to reach more than one year, and a business license audited by the industrial and commercial department is required.
2. The applicant is a China citizen with full capacity for civil conduct and a fixed residence.
3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year.
4. Applicants need to have a fixed business place and a stable income.
5. The borrower needs to have a good personal credit record.
6. Need to guarantee, mortgage or pledge.
Application materials:
1, the original and photocopy of ID card and household registration book are consistent with the original;
2. Provide the original and photocopy of the annual business license and tax registration certificate;
3. Relevant information that can prove their legitimate income;
4. Relevant information that can prove their marital status;
5. Provide legal and sufficient collateral and evaluation report;
6. The mortgagor or pledger shall fill in the mortgage (pledge) pledge in bank format;
7. Other information required by the bank.
Application process:
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report.
3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures.
4. The bank issues loans to designated accounts.
4. What are the conditions for a business license loan?
First of all, it is impossible to apply for a bank loan only through a business license. If you have a business license and the business license has been registered for more than 1 year, you can apply for an operating loan. Enterprises need to meet other conditions of enterprise loans in order to obtain bank loans smoothly. What are the requirements for a business license loan: 1, the project you operate needs to reach more than one year, and you need a business license audited by the industrial and commercial department. 2. The applicant is a China citizen with full capacity for civil conduct and a fixed residence. 3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year. 4. Applicants need to have a fixed business place and a stable income. 5. The borrower needs to have a good personal credit record. 6. Need to guarantee, mortgage or pledge.
legal ground
Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person with China nationality, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity. ? The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.