A bank mortgage needs a business license to prove that you can repay the loan. You apply for a loan in the name of a business. Of course, you need a business license. For individuals, there is a consumer loan plan. In addition, the difficulty and items of loans vary from bank to bank and from time to time, but banks do not have to lend money to someone. Banks are not real estate agents. I don't want you to go back. The business license is not mortgaged in the bank, but you will be given a copy to prove that you can repay the loan instead of mortgaging the business license.

Reasons for using business license for mortgage loan:

1. Prevent funds from flowing into stock market, real estate and other speculative activities.

Generally, mortgage loans need more funds. If you plan to spend these funds, you can apply for consumer credit, and the maximum amount can be around 500,000. However, it is not excluded that some people want to borrow money to buy luxury cars, but this is only a small probability event, so generally speaking, applying for credit can satisfy consumer loans, and there is no need to mortgage the house at all.

Second, control blind consumption and investment.

1, the behavior of blind investment

Some people say that the purpose of the loan is to start a company, but now the bank requires the business license to be registered for more than one year. It is difficult for a newly registered company, or a shell company is registered, and it is difficult to obtain funds through mortgage. Because in the initial stage of the company, all aspects are still in the exploration stage, and the profitability of the company is still unclear. If you invest in mortgage loans at this time, you will not manage well in the future, not only the applicant's debt is too high, but the bank will also face the risk of not being able to recover the funds. Statistics show that the average age of small and medium-sized enterprises in China is less than 3 years. In other words, many small and medium-sized enterprises may close down within three years. If you want to borrow money from the bank, the business must be satisfied for a period of time. Only when the enterprise is stable and has a certain profit will it give you money and have a benign development.

2. Irrational credit consumption.

Now more and more people accept consumption in advance to enjoy the material and spiritual needs brought by consumption in advance. Excessive consumption may lead to personal debt crisis. If this happens universally, it will bring credit crisis to the whole society.