1. Mortgage loan:
If the borrower owns a house or a car, he can apply for a mortgage loan as collateral. However, it needs to be reminded that banks generally do not accept this business because cars are consumables and depreciate rapidly. In this case, the borrower can find a local formal lending institution to handle it. In addition, if the borrower has insurance policies, certificates of deposit, national debt and other assets. He can also apply for a pledge loan.
2. Unsecured loans:
In order to support the development of small and micro enterprises, some banks have also launched unsecured loans for small and micro enterprises, such as China Merchants Bank's "Commercial Loan Link", Ping An Bank's "New Loan Link" and China Construction Bank's "Quick Loan Link". The borrower can make a reasonable choice according to his actual situation.
Individual industrial and commercial households loans:
1, what the borrower should have.
(1) has full capacity for civil conduct;
(2) Having a fixed business place or address, 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) Opening a deposit account in a bank.
2. Information provision
(1) The original ID card and 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.
3. Term of the loan
The term of a single working capital loan shall not exceed one year.
4. Loan interest rate
According to the loan interest rate stipulated by the People's Bank of China, the interest shall be paid monthly, and the interest shall be paid with the principal.