List the loan platforms with business licenses as follows:
1, money to spend. Users are required to meet the age requirement of 18-55, and the corresponding second-generation ID card and debit card must be submitted during the application process. It should be noted that the application only supports debit cards, and the application card is also the user's loan bank card, while the ID card cannot be a temporary, expired, first-generation ID card.
2. Fast loans for small and micro enterprises. Small and micro enterprises have fast credit loans, fast mortgage loans, fast pledge loans and fast platform loans. Different small and micro enterprise loan products have different loan amount, loan term and loan interest rate, and of course the corresponding handling conditions will be different. You can log on to China Construction Bank official website and click "Small and Micro Enterprises-Apply Now-Apply for Quick Loan" to view it.
3. Microfinance. Micro-credit is a capital loan service provided by Weizhong Bank for small and medium-sized enterprises. Generally speaking, taxpayer enterprises, small-scale taxpayer enterprises or individual industrial and commercial households can apply for loans. And the upper limit of the loan amount is 3 million, and the annualized interest rate may be as low as 3.6%, subject to the specific data after applying for the loan amount.
Extended data:
1. What materials do you need for a business license loan?
When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan.
Second, the application process
1. The borrower shall fully prepare the above information and submit it to the lending institution;
2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;
3. After investigation, both parties signed a loan agreement;
4. After the agreement is signed, the lending institution issues loans;
5. The borrower repays the loan according to the contract.
Second, the business license
Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred. Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.
What is a start-up loan?
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee.
Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government.
(A) the main way
There are three main ways to choose venture loans, and entrepreneurs can choose their own venture loans according to the situation.
1. Personal commercial loan
2. Commercial mortgage loan
3. Guaranteed loan
(2) Application conditions
1. identification and business premises
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2. Proof of funds
The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
3. Relevant account book settlement account
The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
4. Letter of loan guarantee
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.
How to apply for a commercial loan?
Commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the expected annualized interest rate of legal loans. There will certainly be some differences in the policies of handling commercial loans across the country, but they are all similar. The first step in handling industrial loans is to submit applications and materials. You can apply for a mortgage from the bank by signing a house sale contract. Generally speaking, whether it is a first-hand housing loan or a second-hand housing loan, you should submit your application materials to the bank account manager in charge of mortgage business after choosing a loan bank. Here is a brief introduction to how to apply for commercial loans.
Letter of credit clause
When applying for a loan, Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, overseas and foreign citizens must meet the following conditions: 1 with legal residence status; 2. Have a stable occupation and income; 3. Have the ability to repay the loan principal and interest on schedule; 4. The assets recognized by the loan bank are mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions as their guarantees; 5. There is a contract or agreement for the purchase of housing; When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; Other conditions stipulated by the lending bank.
Loan process
1. The borrower and the developer pay 30% of the house purchase price at the same time when signing the house purchase contract; 2. Submit relevant materials to the law firm for review; 3. After receiving the Legal Opinion issued by the law firm, the bank signs a loan contract, mortgage contract and guarantee contract with the purchaser; 4. According to relevant information, handle mortgage registration, home insurance, contract notarization and other procedures, and issue loans. 5. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No fines will be charged. In the process of loan application, if the borrower applies for mortgage or pledge, it must also submit the list of collateral pledge rights, ownership certificate and valuation certificate; To apply for a secured loan, a written opinion of the guarantor agreeing to the guarantee and a credit certificate of the guarantor shall be submitted.