Thank you for your invitation. First of all, it is clear that applying for a formal loan cannot be done with a certificate as advertised. Moreover, the business license is one of the necessary things to apply for a loan. The following opinions are for reference only:

1. Self-employed individuals are not allowed to borrow money only with their business licenses.

Second, if it is

Unsecured/credit loan

In addition to the business license, the self-employed should also submit the following materials:

1, second-generation ID card

; This bank has been operating continuously for nearly six months.

; Proof of address,

2. Lease contract

Water, electricity and gas bills;

3. Commercial purchase and sale contracts

, such as order contracts, pos machine receipts, invoices, etc. ; Proof of business address and lease contract

, rent invoices and utilities

The bill.

4. Some lending institutions also require other supporting materials.

For example: proof of communication, detailed list of mobile phone calls; Proof of assets

: real estate license

Wait a minute. If you ask the loan company

To apply, you also need to provide a personal credit report.

. Therefore, self-employed individuals cannot apply for loans only with their business licenses.

Three, the business license is a necessary item to apply for loans, but a separate business license can not be used for loans. Because the approval of bank loans is relatively strict at present, if it is carried out in a commercial bank, it also needs a running account for at least half a year, and there is a good enough business operation.

Conditions to prove repayment ability. At the same time, you can apply for a loan after meeting other conditions required by the loan bank. However, it is worth noting that loans need to assess their solvency. Finally, I wish you a prosperous business ~

Second, how to mortgage the house without a business license

Mortgage loan method for houses without business license:

1. the first method: transfer the business license for more than one year (and the company must be absolutely clean, even if it is a shell company), and then the company will assist in handling the mortgage loan for the bank to operate the real estate. This method has the lowest interest rate and the highest pass rate. It is basically one of the preferred methods on the market at present.

2. The second type: you can apply for consumer real estate mortgage loans and consumer real estate mortgage loans. Of course, most banks don't make consumer mortgage loans, and only a few banks have higher interest rates than operating loans, generally the highest can only be around 2 million to 3 million.

3. Third: If the immediate family members have a company and the borrower has collateral, they can also let the immediate family members be the owners and pay for themselves, which is what we commonly call different loans.

4. Fourth, it includes the mortgage products of the actual controller of the enterprise (some local small banks, rural banks, commercial banks and other financial institutions), and this method can also be changed to mortgage loans for real estate business.

5. The fifth way: handle the real estate mortgage loan funded by private trust institutions or individuals. This method has no requirements for enterprises, and has low qualification requirements and low requirements for credit reporting. All kinds of intractable diseases can be handled, but the interest rate is very high, generally ranging from 0.7%- 1.3% per month.

First, the business license processing process

1. Documents and certificates to be submitted when applying for pre-registration of individual industrial and commercial households; Processing information: the applicant's identity certificate or the pre-registration application entrusted by the applicant; Other documents and certificates required by laws, regulations and policies. Processing time: 1 working day; Handling fee: 30 yuan; Location: local industrial and commercial bureau

2. Documents and certificates to be submitted when applying for industrial and commercial registration of individual industrial and commercial households: application materials: Application for Industrial and Commercial Registration of Individual Industrial and Commercial Households signed by the applicant; Proof of the employee's business place; Proof of the relationship between family business members; Notice of pre-approval of name; Time limit stipulated by laws, regulations and policies: 5 working days; Handling fee: 23 yuan; Handling location:

Legal basis:

Chinese people

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 400 To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property;

(4) the scope of the guarantee.

Article 419 During the limitation of action for principal creditor's rights, the mortgagee shall exercise the right of mortgage. If it is not exercised, people will not be protected.

Article 688 Where the parties stipulate in the suretyship contract that the surety and the debtor shall be jointly and severally liable for the debts, it is a suretyship of joint liability. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may require the debtor to perform the debt or require the guarantor to assume the guarantee liability within the scope of its guarantee.

Third, how to apply for a business license online?

Legal analysis: the lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property and make a loan.

Legal basis: Article 7 of the Company Law of People's Republic of China (PRC): A company established according to law shall be issued a business license by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company.

The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.

Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.

Fourth, how to get a loan to apply for a business license?

If your business license belongs to individual industrial and commercial households, you can't borrow money. Re-apply for a loan for three months. If it is a partnership, company or other enterprise's business license, you can go to the industrial and commercial bureau to change the person in charge (legal representative), and you can still borrow money after the change.