If you are in the city, in fact, friends who have started a business all know that the first thing you need to do to start a company is a business license. Of course, the national business license process has also been adjusted, and now it is getting simpler and simpler, which is good news for business owners.

1. Do you have a business license to apply for a loan?

You can borrow money with a business license, but you can't just borrow money with a business license. Loans need to meet the following conditions:

(a) has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.

(2) Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures.

(3) Opening a basic deposit account or general deposit account.

(4) Except as stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.

(5) The borrower's asset-liability ratio meets the requirements of the lender.

(six) to apply for medium and long-term loans, the proportion of the owner's equity of the new project enterprise as a legal person to the total investment required for the project shall not be lower than the proportion of the investment project capital stipulated by the state.

Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit.

2. What materials should I prepare for the business license loan?

(1) Original and photocopy of the legal representative's ID card and household registration book;

(2) Provide the original and photocopy of the annual business license and tax registration certificate;

(3) bank flow and other relevant information that can prove the legal income of the legal representative;

(4) Marriage certificate, divorce certificate, single certificate and other relevant materials that can prove the marital status of the legal representative;

(5) Legal and sufficient collateral (such as real estate) or pledge (such as certificates of deposit);

(6) Pledge in form filled out by the mortgagor or guarantor;

(seven) other information required by the bank.

Three. What is the business license loan process?

(1) The borrower consults the lending institution about the business license loan;

(two) according to the requirements of lending institutions to provide business license loans related information, apply for loans;

(three) waiting for the bank or small loan company to review, if passed, go to the bank to sign a loan contract. If it is a mortgage loan, you need to go through the mortgage registration procedures;

(4) When making a loan, the borrower can repay the principal and interest of the loan as agreed in the contract.

Legal objectivity:

Article 11 of the Interim Measures for the Administration of Personal Loans 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. Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.