With a cigarette certificate, you can apply for a commercial loan "cigarette loan" through the bank. At present, China Postal Savings Bank and Hainan Bank have launched special "tobacco loan" products, which are mainly distributed to businesses and enterprises engaged in tobacco sales. Taking the Postal Savings Bank as an example, applying for a tobacco loan requires that the tobacco monopoly retail license is within the validity period and has a physical store with an operating period of more than 2 years. The loan amount below 300,000 yuan is a credit loan; If it exceeds 300,000, you need to provide a guarantor and a tradable property.

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1, Lianyun shopkeeper smoke loan This product belongs to Ningbo Lianyun Microfinance Co., Ltd., a subsidiary of Lianyun Jin Fu. It is popular among many tobacco loans, and it is not bad. In fact, this sentence can be seen from the circle of friends of the intermediary old buddy. The advertisement about Lianyun shopkeeper's tobacco loan has never stopped. At present, it is mainly aimed at users who have been operating in actual stores for more than 1 year, hold tobacco sales licenses and have good credit information. At the same time, you can submit real-name authentication, face recognition, operator authentication, contact authentication, bank card binding, tobacco sales license and store information. And they can get up to 500,000 yuan, and their service life is as high as 12 months. The monthly interest rate tested by Bian Xiao is about 0.83%.

2. The original and photocopy of my ID card, the original and photocopy of the business license that passed the annual inspection, and the property right certificate or lease contract of the business premises. Married applicants also need to provide the original and photocopy of their spouse's ID card and the original and photocopy of their marital status certificate (marriage certificate or household registration book jointly registered by husband and wife). Engaged in franchising, it shall also provide the original and photocopy of the business license of the relevant administrative department. If other natural persons (or legal persons) provide guarantees for loan applicants, the guarantor shall be audited (or recognized) by the bank and provide relevant certification materials as required by the bank.

3. "Tobacco Loan" China Postal Savings Bank is a loan to supermarket or store operators engaged in tobacco sales to meet the capital demand of their production and business activities. You can also go to the bank to apply for a credit card user linked to the cigarette certificate, and then you can overdraw 20-50W to open cigarettes, and it can only be used to pay for each cigarette, and you can't withdraw cash from the card. This product belongs to bank of tianjin, so it must be a credit report, and the borrower is required to have a good credit record. After submitting the materials, most users do not call back, and a small number of users will call back randomly to verify the basic information. Generally, the results can be produced on the same day, and they can be received immediately after cash withdrawal.