Bank of China provides personal business loans. The main loan conditions include:

1. People's Republic of China (PRC) citizens with full capacity for civil conduct, including Hong Kong, Macao and Taiwan citizens, have good credit status and repayment willingness and ability, and comply with the Interim Measures for the Administration of Personal Loans and other laws, regulations and regulatory provisions;

2. The age is not less than 18 years old and not more than 65 years old;

3. Abide by the relevant regulations of Bank of China on anti-sanctions and compliance;

4. Open a settlement account in China Bank.

5. It is qualified as a legal person and can provide relevant business licenses and business licenses.

The materials to be submitted are:

1, loan application;

2. Valid identification;

3. Business certificate and loan use certificate;

4. The ownership of the mortgaged (pledged) property and the appraisal documents, the identity of the guarantor and the proof of the guarantee ability and other guarantee materials;

5. Other materials specified by China Bank.

Please consult the local branch of Bank of China for details.

The above contents are for your reference. Please refer to the actual business regulations.

Can I apply for a bank loan with a business license?

You can't apply for a bank loan only with your business license. You need to hold a tax registration certificate and other documents to apply for a bank loan.

According to the provisions of Article 20 of the Regulations on Individual Industrial and Commercial Households, individual industrial and commercial households can open accounts in banks or other financial institutions and apply for loans according to law with their business licenses and tax registration certificates. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans.

Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 41 No unit or individual may force commercial banks to issue loans or provide guarantees. Commercial banks have the right to refuse any unit or individual to force them to issue loans or provide guarantees.

Extended data:

Article 39 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks shall abide by the following provisions on the management of asset-liability ratio:

(1) The capital adequacy ratio shall not be less than 8%.

(2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.

(3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.

(4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio.

If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.