In the process of loan review, business license is only one of many elements. With a business license, you can apply for a business loan, but whether it can be approved or not requires more information support.
For example, to apply for a loan with a business license, you need to provide a series of materials such as bank flow, purchase and sale contracts, purchase and sale details, and inventory list. These materials should be able to prove that the business entity behind the business license has a good revenue situation. After the bank loan is approved, it can be repaid normally.
In addition to these materials, the bank will also check the credit report to see the loan repayment records and credit status of borrowers and business entities, so as to judge the financial status and credit status of borrowers and business entities.
You can do it without collateral, and you may not be rejected. If the enterprise is in poor operating condition, financial condition and credit condition, the bank will not lend.
I. Lack of guarantee: guarantee, mortgage and pledge. When many people apply for loans, they have no guarantor, no car or house as collateral, and no assets as collateral, so they can't apply for loans from banks, so they can only wait until the intermediary structure applies.
Intermediaries generally cooperate with banks, either to package customers or to guarantee customers. In short, after the intermediary agency recommends it to the bank, the customer's qualification will not be so bad, and the bank will be relatively easy to approve.
Those people or companies that lack guarantee mainly get enough guarantee through intermediaries and apply for loans from banks.
Second, information asymmetry Some people always think that the bank's loan threshold is relatively high, but with the development of bank-tax cooperation and big data risk control technology, the bank's requirements for guarantees are not so high. Many people can get loans by applying for mobile banking.
Not everyone knows this information, nor will they try to go to the bank, resulting in certain information asymmetry. It is the quickest and safest way for them to apply for a loan from an intermediary.
Summary: Loans are not as difficult as most people think, but not everyone can get them. It has a whole process, and a group of people are controlling risks. It is difficult to muddle through, but if we can make some adjustments and avoid heavy ones, we may be able to lend more smoothly. This may also be the value of intermediary.
Can I go directly to the bank for a loan with my business license? Why do many people go through intermediaries? Let me answer you, because my friend has just experienced the loan experience and has a deep understanding.
First of all, let me answer you: with your business license alone, you are still a hundred thousand miles away from the loan. But the intermediary will publicize this, saying that as long as you have a business license, you can get a loan! But it's actually not that simple! This is purely an attractive propaganda!
This kind of false propaganda is just like that kind of real estate false advertisement, "one yuan buys one party"! You go and buy it. If you really buy it, the seller is a fool and the buyer is also a fool. In fact, there are many basic conditions in front of these advertisements, such as buying 100 square meters or more, adding one yuan and giving one square!
Just like an uncle went to a fly restaurant for dinner one day and didn't go in until he heard this sentence-come on, come on, rice and vegetable soup are free! As soon as I entered the store, I shouted, cooked a bowl of rice and asked for a vegetarian soup! The waiter said, we want to spend 100 yuan, and send dry rice and vegetarian soup for free! As a result, grandpa was kicked out by the waiter!
Next, the business license. What will you do with your office space with this? What about the tap water of the company? What about paying taxes? What about personal credit reporting? ....., these requirements are coming. If you don't meet the standard, just like the uncle who wants to eat for free, get out!
Then, I will answer you: since personal loans are difficult, many people are afraid of trouble, of course, they have to find an intermediary! Because, to be sure, the news of the intermediary is much better informed. After all, he specializes in this, and he can match you. But it should also be noted that some unscrupulous intermediaries can easily lead you into the ditch.
Of course, you are eager to borrow money, but you should be more careful of liars! Never give any money to the "intermediary" before the loan is successful! Hold this line of defense, maybe you won't be cheated! Also, you have to pack the fees and ask them clearly, or you will charge them step by step. Loan is difficult, not as easy as the intermediary said! You should be mentally prepared!
I am the loan manager in Hefei. It's really difficult to apply for a loan from a bank just by relying on a business license. If your enterprise pays taxes to the state normally every year, as long as it meets the requirements of the bank, it is no problem to collect credit, but it is not difficult. After all, banks still value assets. As an intermediary, they can do it according to which bank is suitable for individuals or enterprises, which one has low interest rates and what materials need to be prepared. If the credit information is flawed, the third-party intermediary can still have the opportunity to communicate with the bank, which can help individuals solve many problems and avoid many detours in terms of time cost and low interest cost. Although there is a service charge, it is normal and reasonable. After all, it solves many problems. Spend money to do things, worry less and don't run, just like a real estate agent.
None of them hit the point. It is difficult for individuals to give you a loan. Internal staff and external intermediaries, that is, independent individuals, work together to earn commission, which is generally 1-5% points. It's not their own money anyway. Think about it. Suppose a loan is 100 W, and the median value is 2%, there will be a commission of 20 thousand, and they are 50%
Hello, I'm glad to answer your question. I used to be a credit manager for 8 years.
In my experience, it is impossible to apply for a bank mortgage loan only with a business license. The premise of bank mortgage loan is to mortgage the property. Only business license, no real estate for a long time. In addition to the business license, you also need personal credit report, enterprise credit report (if any), personal one-year bank statement, financial statement, personal profile of legal person, upstream and downstream contract of enterprise, and enterprise water and electricity bill. If a legal person gets married, it needs to provide a marriage certificate and a lot of materials.
The reason for looking for an intermediary is because some intermediaries have a good relationship with the bank's risk control, even the top leader. It can speed up the examination and approval time and relax the examination.
With a business license, you can go to the bank to apply for a mortgage loan yourself.
Then why do people still look for a loan agent?
People who do business have dealt with Otawa Bank, so normal mortgages are generally made by themselves. Finding a loan intermediary is nothing more than the following questions:
1, the credit information is defective. This kind of problem is the most common situation. Because of various credit reasons, banks refused to lend money and could not find a suitable bank to collect it. Only through the profession of intermediary can we find a suitable bank loan.
2. Low interest and high amount. Business people's time is precious, why not spend some money and let the intermediary make a good plan and choose for themselves? Many people are willing to save the time of running errands to deal with business matters.
3. The problem of the house itself. Old and young, apartments, villas and other incurable diseases. Even if I want to spend time running, I can't find the way and direction, so I can only find an intermediary to handle it.
To sum up, many people classify loan intermediaries as poor information, so they can make money. What is often overlooked is that intermediaries can find suitable solutions to problems through professional skills and reasonable rules. This is the inner expression that being is reasonable.
Hello, I'm glad to answer your question. First of all, before answering your question, let's talk about what procedures and processes banks need to operate mortgages:
I. Materials to be prepared for mortgage loan.
Bank operating mortgage loans are divided into enterprise loans and personal loans according to the main body of loan application. Different subjects require different materials, but they are basically the same. The basic materials include the following aspects:
1. Personal data: the original and photocopy of the ID card, marriage certificate and household registration book of the legal representative or actual controller, and the original and photocopy of the spouse's ID card are required if married.
2. Business information: business license, business place certificate, bank flow, financial statements, articles of association (if any), special trade license (if any), business assets certificate and other business information.
3. Collateral materials: the original and photocopy of the mortgagor's identity certificate and the original and photocopy of the real estate license.
If you don't want to copy the above materials, you can give them to the bank staff directly, and they will copy them for you. Judging from the above materials, they are relatively simple and easy to collect and provide.
Second, the general process of operating mortgage loans
Step 1: go to the bank credit department to consult the loan conditions and materials to be prepared.
Step 2: The materials are almost ready. The legal representative or actual controller goes to the bank and submits the loan information. Bank staff will formally accept the business. At this time, it is necessary to fill in some simple forms, check the credit information of the loan applicant or enterprise, and preliminarily judge whether the credit information record meets the loan requirements. If it meets the requirements, the bank will tell you to go back and wait for the notice, and a bank staff will contact you to go to the enterprise for on-site inspection.
Step 3: Bank staff go to the enterprise for on-site investigation. (If there is nothing serious about the on-site investigation, just wait.
Notice to sign loan contract and mortgage contract. )
Step 4: Sign the loan contract and mortgage contract, and go through the mortgage formalities of real estate.
Step 5: borrow money.
The above five steps are the general process of offline commercial mortgage loans. In recent years, with the development of online finance, banks have launched online mortgage loans for individuals. The procedures and procedures of this loan product are relatively simple. Borrowers can apply online on their own, and the banking system will automatically complete the examination and approval (generally, the examination and approval results can be obtained in 10 minutes), thus eliminating the on-site investigation process. After the system is approved, the bank staff will contact you to handle the mortgage formalities and mortgage.
Third, it is not recommended to apply for a loan through an intermediary.
1. Judging from the above loan procedures and processes, the procedures and processes are not complicated and are guided by bank staff.
2. Loan intermediaries are everywhere, with uneven quality. Everyone claims to be professional, but are they really professional? Only they know. Moreover, the intermediary is also to make money, and the general handling fee is not low. If there is no big problem with enterprise qualification and credit history, personally, it is unnecessary to spend money. Even if there is a problem, finding an intermediary may not work. After all, the power of examination and approval lies with the bank.
With the fierce competition, banking services have been greatly improved, and many banks have launched "green credit" services. Prior to this, the phenomenon that credit officers "eat and get cards" was much less. Now for banks, customers are really God.
4. In recent years, the state's supervision of the financial industry has become increasingly strict, the cost of illegal loans has increased, and banks generally no longer cooperate with intermediaries.
Hello, I'm Xu Yukun. An old bird who has been in the loan industry for many years.
First of all, as you said, you can get a loan with a business license. In fact, it's just a gimmick that many salesmen say in customer marketing-
As a business owner, with a business license, you can really apply for a loan from a bank, but only if you meet the requirements of related products of the bank:
For example, does the running water of enterprises meet their requirements?
Does the registration period of business license meet two years?
Does the company pay taxes? Does the national tax paid meet the bank's standards? Wait a minute.
Then at this time, how to operate a tailor-made loan product according to a specific situation of yourself and your own enterprise. Often determines the success rate and completion quality of this loan.
And loan intermediaries often appear at this time. Loan intermediaries with some good professional qualities and ethics are called high-end loan managers, who are usually familiar with the requirements of bank products and the flexibility of bank internal management regulations. At this time, they usually use their own resources and professional knowledge in the industry. Which customer will make an optimal product plan and try their best to make it acceptable to customers, so as to complete their own performance. This is the value of a truly professional intermediary (loan manager) in the current situation that relevant laws, regulations and industry rules are becoming more and more strict.
Of course, loan intermediary is also a commercial activity. Therefore, after serving customers, they will also charge a certain percentage of service fees according to market conditions. This ratio will vary by region and product, but there must be a premise that it must be legal and compliant. Because in the current policy environment and market environment, it will make the career red line of all financial practitioners.
First of all, the business license is only the identity certificate of the enterprise, just like the personal identity card, it is impossible to set up a mortgage loan. Bank loans should first look at the first repayment source of the enterprise, that is, the main business income and operating cash inflow, and then look at your second repayment source, that is, the guarantee method, which is generally divided into mortgage, pledge and guarantee. You can't "mortgage" a loan just by relying on your business license.
Secondly, the problem of loan intermediary mainly stems from the asymmetry of information. In fact, if the enterprise has the loan conditions, it does not need a loan intermediary, because this will only increase the loan cost; However, if the enterprise does not have the loan conditions, the so-called intermediary will either directly take advantage of your eagerness to raise funds and constantly cheat you to pay, or help you forge and cheat bank loans, then there will be great legal risks.
Finally, the most important thing about lending to private small and medium-sized enterprises is to enhance their own strength and financing ability. "It's hard to strike while the iron is hot." On this topic, I am constantly updating a special topic-"How to improve the financing ability of private small and medium-sized enterprises". Welcome to pay attention to correction!
Of course, this does not mean that all loan intermediaries are unreliable. As I said above, because of the asymmetry of information, sometimes some reliable intermediaries are needed, which requires enterprises to choose carefully.
It is more difficult for individuals to get loans from banks. Through the loan intermediary, you can reduce the risk of being refused a loan and reduce your time cost.
There are many bank channels for loan intermediaries. Ordinary people don't know what loan products are available in the market for the first time, and which bank's loan is most suitable for them. You can find a suitable loan through the intermediary, improve the loan pass rate and save a lot of time and interest!