Loans can be made after registering the business license for more than 6 months, but such enterprises must be registered in a certain scale market, and the market side must issue a certificate of two years' operation. Some banks require to be registered for 1-2 years, while foreign banks generally have higher requirements and must be established for more than three years before they can enter. This is a hard condition. If it is a transfer enterprise, it can apply for a change of legal person for more than one year. The condition of business license loan is that the project it operates needs more than one year and has a business license audited by the industrial and commercial department. In addition, the person applying for the loan must be at least 18 years old, have sufficient repayment ability, provide the running water of the bank for nearly half a year, and have good personal credit.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans? Personal loan application shall meet the following conditions:

(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.