Generally, the business license is required for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months. At the same time, the borrower's credit status should be good. If the borrower's credit status is bad, he can't apply for a bank loan. The specific loan conditions are: (1) with full capacity for civil conduct and local household registration; (2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source; (3) Being able to provide legal, sufficient and easy-to-realize collateral; (4) Open a deposit account in a loan bank. Loan materials: (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank.
Two. How long can I get a loan if my personal business license is cancelled?
1. How long can I get a loan for my business license?
1 Decide whether you can get a loan according to the credit status of the business license for more than one year. The borrower who applies for a loan should have the basic conditions such as marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit.
2. Legal basis: According to Article 17 of the General Rules for Loans, the borrower shall be an enterprise (institution) legal person, other economic organizations and self-employed natural person with full civil capacity registered by the administrative department for industry and commerce. When applying for a loan, the borrower should be effective, not misappropriating credit funds, and strictly abide by the basic conditions such as credit.
2. What is the difference between revocation and cancellation of business license?
1. By injecting written materials, submitting relevant documents and certificates, it is a proper term in enterprise registration management to apply to the competent authority of registration machine for terminating market economic activities and registering civil relations. Revoking the business license is an administrative punishment made by the administrative department for industry and commerce according to its management authority and should be regarded as an administrative act of the administrative department. The two should not be confused.
2. The cancellation of an enterprise as a legal person means that the registration authority revokes the business license of an enterprise according to a set of registration procedures such as acceptance, examination, approval, sending a letter of approval for cancellation of registration to the enterprise and filing. Refers to the administrative department for Industry and commerce through filing, investigation and evidence collection, filing review, dissolution, filing and other law enforcement procedures, depriving enterprises of the ability to operate according to illegal facts. The behavior results are different. It indicates that the creditor's rights and debts of the enterprise have ended, or the civil litigation caused by civil relations has clearly ended, and the enterprise has realized the real demise. An enterprise whose business license has been revoked symbolizes that it has been forcibly deprived of registration because of violation of the law.
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3. How long does it take for the business license to be released?
Over a year
4. How long can the business license expire?
The business license of individual industrial and commercial households must be at least 1 year before loans can be made, and the business license cannot expire. The exact time will vary from bank to bank.
However, the business license is not the only reference factor for loans. Individual industrial and commercial households must also have actual business premises, the address must be consistent with the business license, and provide information required by the bank, such as tax registration certificate, tax payment certificate, bank running water certificate, etc. It is best to provide legal, sufficient and easy-to-realize collateral, which will help improve the success rate of loans.
Legal basis: According to Article 63 of the Regulations on the Administration of Registration of Enterprise Legal Persons in People's Republic of China (PRC), enterprises and institutions that start business without approval and registration are ordered to stop their business activities and their illegal income is confiscated.
Impose a fine of less than 3 times the illegal income. If there is no illegal income, a fine of 1000 yuan shall be imposed.