Many self-employed people start their own businesses as bosses, and when there is more or less capital turnover in the course of business, they need to go to the bank for loans. The income of self-employed individuals is not very stable, so it will be more difficult to apply for general loans. Fortunately, many banks have self-employed loans. Let's see what they have.

I. Agricultural Bank-Personal Employment Loan

A secured loan product issued by the Agricultural Bank of China can be applied by individual industrial and commercial operators, sole proprietorship investors, partnership partners, small and micro enterprise owners, etc. , a single family can get a loan amount of 6,543,800 yuan, with a maximum term of 5 years. There are several requirements:

1. The borrower has reached the age of 18~65, has full capacity for civil conduct, has a fixed residence in the local area and holds legal and valid identity documents.

2. The borrower has a legal and effective production and operation certificate, and those engaged in special industries shall hold a special industry operation license issued by the competent examination and approval department.

3. The borrower has management experience in this industry and has been engaged in this industry for more than 2 years, and has certain management ability.

4. The borrower has stable operating income and the ability to repay the loan principal and interest on schedule.

5. Guaranteed loans must provide legal, effective and sufficient guarantees.

6. The borrower has a good credit record.

7. Other conditions stipulated by the Agricultural Bank.

Two. Industrial and Commercial Bank of China-Personal Commercial Loan

ICBC provides customers with RMB secured loans for business activities, with a maximum amount of 3 million yuan, which can be applied once and recycled for up to 3 years.

The following requirements are required of the lender:

1, aged between 18 years old (inclusive) and 60 years old (exclusive);

2. It has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships and sole proprietorship enterprises.

3. Being able to provide effective loan guarantee;

4. Other conditions stipulated by the lending bank.

Three. Bank of Communications-Personal Commercial Loan

The RMB loan granted by Bank of Communications to individual industrial and commercial households or actual controllers of enterprises for working capital turnover of production and business activities has a maximum credit line of 6.5438+million yuan, a short-term working capital loan term of no more than 654.38+0 years, and a medium-and long-term personal working capital loan term of no less than 654.38+0 years and no more than 5 years.

Before, I also needed business turnover. I have used several small loan products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!