1. Most enterprises will encounter financial problems in their operations and need loans, so it is inevitable for self-employed individuals to provide business licenses when applying for loans.
2. Article 4 of the Regulations on Individual Industrial and Commercial Households, the legal person does not mean that you can borrow money with a business license. Your business license must be registered for more than one year, and you must have a public-private relationship in the last six months. Self-employed people can have no public-private relationship, and industries such as steel trade have almost no mortgage; Or you can get a loan if you have a house and a car.
It is reported that the business license loan requires the borrower to meet the following conditions:
1, has full capacity for civil conduct, and is within the age range specified by the lending institution;
2 stable business projects, legitimate sources of income and repayment ability;
3. Personal credit is good and meets the requirements of credit institutions;
4. If the lender requires collateral as collateral, it needs to be able to provide collateral;
Some lending institutions also require other supporting materials, such as: proof of communication, detailed list of mobile phone calls; Proof of assets: real estate license, etc. If you apply for a loan company, you also need to provide a personal credit report.
Personal Business Loan-Baidu Encyclopedia