Xin Express is a mortgage loan business launched by Bank of Nanjing to borrowers who have normal production and operation and can provide high-quality real estate mortgages with clear property rights and strong liquidity. Many companies want to apply for Bank of Nanjing Xin Express, then What are the conditions for the Bank of Nanjing Xin Express?

The conditions for the Bank of Nanjing Xin Express

1 Requirements for small and micro enterprises

1. Obtain approval from the industrial and commercial administration (or competent authority) ) is approved and registered in accordance with the law, implements independent accounting, has the ability to continue operating, and has legal sources of repayment;

2. The enterprise, its legal representative, and actual controller have no bad credit records;

3. The business operator or actual controller has more than 3 years of working experience and is of good quality;

4. The company has been operating continuously for more than 1 year (inclusive) and the business situation is good.

2 Applicant conditions

1. A citizen of the People's Republic of China who is over 18 years old and has full capacity for civil conduct;

2. Loan The sum of the person's age and the credit period does not exceed 65 years old;

3. The borrower and his spouse have no bad credit records;

4. There is a fixed business location where the agency is located, Those with local household registration must have continuously operated in the local area for more than one year (inclusive), and those with foreign household registration must have continuously operated in the local area for more than two years (inclusive).

In addition, Bank of Nanjing Xinkuai is applicable to small and micro enterprises, individual industrial and commercial households, and legal representatives, actual controllers or shareholders of small and micro enterprises that have normal production and operation and can provide high-quality real estate mortgages. If they fall into this category users, then it is relatively easy to apply for Bank of Nanjing Xin Express.