1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;
3. The borrower has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships or enterprise legal persons;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
Second, can the company's business license be loaned?
Yes, you have a business license (or registered for more than three months), and a guarantor (local) can go to China Post for a loan! China Post: Postal savings business is a loan product for farmers and merchants (small business owners) launched by China Postal Savings Bank. Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. This is a new credit business mainly launched by Postal Savings Bank. There is no need for any mortgage or pledge, and the procedures are simple, which fully meets the needs of farmers and small business owners for small and short-term liquidity. At present, it has opened its business in some areas of 29 provinces and cities across the country, and gradually extended it to more parts of the country to better provide high-quality financial services for farmers, individual operators and small business owners. Business Type: ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If the merchant still needs to bring a business license, he will apply to the opened outlets and be investigated and approved. You can get a loan after signing the contract, and you can get a loan within 3 days at the earliest. Repayment method ◆ One-time repayment method of principal and interest ◆ Equal repayment method of principal and interest ◆ Installment repayment method (only interest will be repaid during the grace period, and the loan will be repaid by equal repayment of principal and interest after the grace period). Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it. Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution. You can call: 1 1 185 national service telephone (free of charge) or ask at the post office.
3. Can I get a loan with someone else's business license?
You can't borrow money with someone else's business license.
To apply for a commercial loan with a business license, the lender and the legal person in the business license must be the same person. If it is not the same person, then the application for stealing information will not pass this loan application. The verification of the identity of the lender is strict. If the loan information is inconsistent with the applicant, apply.
legal ground
People's Republic of China (PRC) Commercial Bank Law Article 35 Commercial banks shall strictly examine the loan situation of borrowers.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Business repayment ability, the ownership and value of collateral, and the feasibility of realizing collateral are strictly reviewed.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall strictly examine the repayment and value of the guarantor and the feasibility of mortgage and pledge.
After examination and evaluation by the commercial bank, it is confirmed that the borrower has a good credit standing and can really repay the loan.
4. Can I apply for a loan with my business license?
If you can apply for a loan, the business license loan must meet the following conditions: the business license has been legally obtained and has been obtained 1 year, or the actual operation has been completed 1 year; The applicant's household registration is at the location of the loan bank; Applicant 18 years old or above; The applicant has sufficient ability to repay the principal and interest; Applicants must have a good credit record and no bad credit record. In addition, users can try to apply for a business license loan after meeting the above application conditions. When submitting an application, please prepare detailed application materials, which is conducive to loan review.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (original name: Baidu Qianhua, renamed as "Qianhua" in June, 2065438+08). The big brand is trustworthy and the interest rate is low. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!