I can tell you for sure, yes! Business license mortgage loan. However, when providing a business license, you also need to provide personal identity. At the same time, it is necessary to provide personal bank flow for 3 months.
After completing the form, the borrower submits the information to the lending institution, applies for a loan, and the lending institution signs a loan contract. After the contract is signed, the lending institution issues loans.
2. Can a self-employed business license be loaned?
Self-employed business licenses can apply for loans. If you want to apply for a loan with the business license of self-employed, you must meet the conditions of the loan. Details are as follows: 1. Personal business license loans need to be operated for more than one year, which need to be audited by the industrial and commercial departments; 2. The lender must be a citizen with full capacity for civil conduct and have a fixed residence; 3. Lenders should also have sufficient repayment ability. You can apply for a loan after meeting other conditions required by the loan bank. Interim Measures for the Administration of Personal Loans Article 11 What are the following requirements for applying for personal loans? (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Personal business license loans need to be operated for more than one year and need to be audited by the industrial and commercial department; 1. The lender must be a citizen with full capacity for civil conduct and have a fixed residence; 2. The lender must also have sufficient repayment ability and provide the bank's running account for the past six months; 3. The lender shall have a good credit record, stable income and a fixed business place. To sum up, yes, there are other materials to be submitted. Business license loan process: submit a business license loan application to the bank and consult loan-related matters; Submit business license loan process related information, such as business license certificate. If a self-employed person applies for a loan, it should provide the bank's operating flow for nearly six months. If an enterprise applies for a loan, it should provide the operating flow certificate and corporate financial statements for nearly one year. Legal basis: Article 20 of the Regulations on Individual Industrial and Commercial Households. Individual industrial and commercial households can open accounts in banks or other financial institutions with their business licenses and tax registration certificates and apply for loans according to law. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans. 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. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. 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.
3. Can individual merchants mortgage loans with business licenses?
Only this thing can't be successfully loaned. You said you could get a mortgage. Of course, if the loan is successful, it depends on your other relevant information and qualifications!
To apply for a loan, the required materials are as follows: the original and photocopy of the borrower's valid identity certificate; Local permanent residence or valid residence identity certificate, and the borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc. The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. Credit certification materials of the guarantor. Collateral appraisal report issued by the appraisal department recognized by the society and other documents and materials stipulated by the bank.
Loan is mainly based on the actual use of your loan to determine your loan method! You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)! Click the online loan application link:/activity/product/creditloan-dash-lucky-index.html.
4. Can individual merchants mortgage loans with business licenses?
I can tell you for sure, yes! Self-employed individuals can use their business licenses as collateral for loans. However, when providing a business license, you also need to provide personal identification, marriage certificate, residence permit, etc. At the same time, it is necessary to provide personal bank flow for more than half a year (3 months in some areas).
After the above information is fully prepared, the borrower submits the information to the lending institution and applies for a loan. After the approval of the lending institution, both parties sign a loan contract. After the contract is signed, the lending institution issues loans.