General loan application information:
1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;
2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;
3. Personal income certificate, such as personal tax payment certificate, salary certificate, personal dividend certificate in business unit, rental income, deposits in ICBC or other banks in the last six months, national debt, funds and other general financial assets certificates. ;
4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;
5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.
6. If the loan is secured, relevant information of the guarantor shall be provided;
7. Other information required by the bank.
Personal business loan refers to the loan issued by the bank to the borrower for the borrower's liquidity turnover, purchase or update of business equipment, payment of rent for leased business premises, decoration of commercial housing and other legal production and business activities. The process includes consulting, submitting materials, signing contracts, granting loans according to procedures after review, returning loans, and canceling mortgages after liquidation.
Personal business loans are available to China citizens (excluding Hong Kong, Macao and Taiwan residents) who meet our personal business loan policy and have full civil capacity, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders. If the legal person is not the main partner, actual controller or shareholder of the enterprise, it does not meet the target requirements of the personal business loan method.