. Micro-loan of Weizhong Bank is one of the effective ways for enterprises to obtain micro-loans, which can obtain loans of at least 50,000 yuan and at most 3 million yuan for small and medium-sized enterprises. The loan interest rate will be determined according to the size and cycle of the loan amount, and the principal will be repaid from the daily interest rate of 1 yuan to the daily interest rate of 5 yuan. The service period can be divided into 12/24/36 periods, and there is no penalty for prepayment. Enterprises or self-employed legal persons can apply, and there is no shareholding requirement.
Weizhong Bank still has requirements for credit reporting. At present, the legal person's credit investigation is not overdue, and the number of overdue times cannot exceed 6 times a year, 6 times in two months and 20 times in half a year. The corporate debt cannot exceed 65,438+000%, and the credit lines of other banks are easy to pass. Housing mortgage loan is a plus item, while equipment lease loan and micro-loan are a minus item.
Applying for a loan from Weizhong Bank has high tax requirements. First of all, the company has been operating for more than 2 years and has not paid taxes for more than 10 months. It should be noted that it is best to pay more than 5,000 yuan a year, and you can apply for a small loan if you pay 3,000 to 5,000 yuan a year.
If you want to apply for a loan from Weizhong Bank, you need to authorize Weizhong Bank to inquire about credit information, because most of Weizhong Bank's loan products are unsecured credit loan products, which have higher credit information requirements for loan applicants. If you want to apply for a loan, you must fill in complete information according to the requirements of the system. Finally, we should pay attention to whether the borrower is within the scope of credit, otherwise the application will fail.