Before applying for a bank loan, the applicant must also have a tax registration certificate, an identity card of the legal person and his or her spouse, a marriage certificate, a household registration book, a business premises lease contract, and a product certificate of the goods sold. The specific loan amount depends on which loan method is adopted. If you choose a mortgage loan, the specific loan amount can reach about 60% to 70% of the assessed price of the collateral.
At present, there are two kinds of loans that need to apply for business licenses, one is personal business loans, and the other is small and micro enterprise loans. 1. Personal business loan: mainly used to solve the capital turnover required by the borrower in the process of investment and operation. The starting point of the loan amount is 30,000 yuan, the longest loan period is 3 million yuan, and the longest loan period is 5 years. 2. Small and micro enterprise loans: Taking Minsheng Bank Commercial Loan Link as an example, it mainly provides quick financing funds to small and medium-sized enterprise owners, individual industrial and commercial households and other commercial merchants, with a maximum loan amount of 3 million yuan and a loan period of 1 year.