How to get a loan for a self-employed business license?

How do self-employed people get loans from banks?

Today, we will answer your questions.

Bian Xiao of this station replied:

The corresponding steps for self-employed individuals to apply for bank loans are that individuals should first prepare the materials needed for bank loans, generally including loan application forms, customer ID cards, salary scales, income certificates, marital status certificates and other materials to submit applications to the bank. After the parties have prepared the materials, they will wait for the loan review and go through other legal procedures. In addition to the contract, there are other legal procedures to be handled, and finally you can wait to accept the bank loan. Article 11 of the Interim Measures for the Administration of Personal Loans should meet the following conditions: the borrower is a citizen of People's Republic of China (PRC) (China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay; The borrower's credit status is good and there is no significant bad credit record; Other conditions required by the lender.

Answer the first one, you can go to the bank to apply for a credit card, and the second one, you can go to the bank for a loan with a self-employed business license. Here, I want to remind you that online lending is absolutely not allowed, otherwise you will regret it for a lifetime. Of course. Individual operators can apply for loans from banks. Self-employed individuals applying for loans in banks need to prepare the information needed for bank loans before they can apply. It mainly includes: personal identity card, household registration book, continuous bank card flow within six months, business license, tax payment certificate and other materials. After preparing the information, you can apply for a loan at the local bank. As we know, it is generally not good for self-employed people to apply for loans in banks. Therefore, in order to increase the chances of success in applying for a loan, individuals can provide proof of local real estate or apply for a loan at a local bank directly with their own real estate. In this way, it is better for banks to apply for loans with real estate as a guarantee. When applying for a loan in a bank, the self-employed should not only prepare the information needed for the loan, but also understand the requirements of the local bank loan. Different banks have different loan requirements. If banks have difficulty in applying for loans, they can also apply for loans from local loan companies. 1. Individual loan channel1; Secured loan. If an individual's personal qualification can't meet the bank's expectations and he is worried that the loan will be rejected by the bank, the borrower will find a formal guarantee company to guarantee himself, so the chances of the loan passing will be even greater. However, the cost of secured loans will be very high. The borrower should not only bear the loan principal and interest of the bank, but also pay a certain fee to the guarantee company. This kind of loan is recommended only when necessary. 2; Mortgage loan. As long as the borrower meets the mortgage conditions, he can take the car, house and valuables, and the borrower can use the collateral as a mortgage loan. When an individual family applies for a mortgage loan, it must not only have legal mortgaged items, but also have a certain repayment ability. 3; Credit loan. Many lending institutions have credit loan products. As long as the borrower has a good credit record, he can get a loan from a lending institution or bank with good personal credit. Credit loans not only require borrowers to have good credit, but also require borrowers to provide corresponding bank accounts, residence certificates and business licenses. 4; Business license loan. In contrast, business license loans are more favorable than secured loans, and borrowers do not need to provide guarantees from lending institutions, as long as they provide personal identification and other relevant certificates. Therefore, self-employed individuals can choose what kind of loan method according to their own situation. Of course. When a self-employed person applies for a housing loan, the borrower should meet the following conditions: having a permanent residence or a valid residence certificate; Have a stable job and income, and have the ability to repay the loan principal and interest on schedule; There is a legal purchase contract or agreement; Mortgage procedures are legal, property rights are clear, and no other rights are set; There is a certain proportion of self-raised housing funds. According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower must meet the following conditions at the same time: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable professional income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender. Answer hello, dear users, hello, I am Baidu. I have received your question and will reply in time after reading it. Please wait a moment ~ I will answer the questions in turn because there are too many lists, please wait patiently! I'm glad to answer this question for you. You can borrow money, but whether you can get the money or not can only be determined after the bank has audited it. Ask questions. Thank you! Answer _ _