Different banks have different conditions and requirements for loans to small and micro enterprises. For Ping An Bank, the application conditions are as follows:

1, has full capacity for civil conduct, has no bad credit record for himself and his family, and has no overdue loan in the current period;

2. Should have permanent residence or valid residence status within the jurisdiction allowed by the bank, and have a fixed residence in the local area;

3. The family net assets are not less than 500,000 yuan (family net assets include family financial net assets and family net assets in kind (movable and immovable property));

4. The enterprise has actually operated for more than 2 years (including 2 years), and its operation is stable; Need to have at least 3 years of industry experience;

5, the enterprise approved by the administrative department for Industry and commerce registration, and go through the annual inspection procedures; It has a fixed domicile and business premises, operates legally, and its production and operation conform to national laws and regulations, industrial policies and environmental protection.

Requirements, the current loan is not overdue;

6. Other conditions stipulated by the bank.

For details, please contact the small micro account manager of the local Ping An Bank outlet for consultation.

Reply time: 2021-11-26. Please refer to the latest business changes announced by Ping An Bank in official website.