Generally speaking, you can't apply for a bank loan for a new business license. Generally speaking, you need more than 2 years or 3 years of continuous business experience to apply for a loan with a business license, so it is difficult to apply for a bank loan with a new business license. However, if you have been engaged in this industry and have only recently obtained a business license, the bank may relax the loan conditions according to the actual situation, which is subject to the bank's regulations.

The length of mortgage loan is related to collateral. Generally speaking:

1, the loan term of real estate mortgage loan is relatively long, generally around 1-20 years, and you can apply for a real estate mortgage loan for 30 years at the longest;

2. The life of automobile mortgage is short, generally around 1-3 years, and the time for handling automobile mortgage is different for different financial institutions;

3. Some financial assets mortgage loans have short loan terms, such as national debt mortgage loans. The longest loan period is 1 year or no later than the maturity date of the national debt.

Materials required for loan:

1, the original and photocopy of ID card and household registration book are consistent with the original;

2. Provide the original and photocopy of the annual business license and tax registration certificate;

3. Relevant information that can prove their legitimate income;

4. Relevant information that can prove their marital status;

5. Provide legal and sufficient collateral and evaluation report;

6. The mortgagor or pledger shall fill in the mortgage (pledge) pledge in bank format;

7. Other information required by the bank.

Legal basis: Article 17 of the General Rules for Loans.

The borrower shall be an enterprise (legal person), other economic organizations, individual industrial and commercial households or natural persons with full civil capacity registered in China with the approval of the administrative department for industry and commerce (or the competent authority).

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

(2) Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures.

(3) Opening a basic account or general deposit account.

(4) Except as stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.

(5) The borrower's asset-liability ratio meets the requirements of the lender.

(six) to apply for medium and long-term loans, the proportion of the owner's rights and interests of the enterprise as a legal person in the new project to the total investment required by the project shall not be lower than the proportion of the capital of the investment project stipulated by the state.