1. The project to be operated needs to reach more than one year, and a business license audited by the industrial and commercial department is required.
2. The applicant is a China citizen with full capacity for civil conduct and a fixed residence.
3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year.
4. Applicants need to have a fixed business place and a stable income.
5. The borrower needs to have a good personal credit record.
6. Need to guarantee, mortgage or pledge.
Information required for application: (1) Original ID card and household registration book and a copy consistent with the original. (two) provide the original and photocopy of the annual business license and tax registration certificate. (3) Relevant materials that can prove their lawful income. (4) Relevant materials that can prove their marital status. (five) to provide legal and sufficient collateral and evaluation report. (6) The mortgagor or pledger shall fill in the pledge (pledge) book in bank format. (seven) other information required by the bank.
Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce.
The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred.
Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.
To sum up: what are the conditions for a business license loan?
1. The project to be operated needs to reach more than one year, and a business license audited by the industrial and commercial department is required.
2. The applicant is a China citizen with full capacity for civil conduct and a fixed residence.
3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year.
4. Applicants need to have a fixed business place and a stable income.
5. The borrower needs to have a good personal credit record.
6. Need to guarantee, mortgage or pledge.
Legal basis:
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 11
Personal loan application 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.