Personal business loans refer to RMB-guaranteed loans issued by Jining Bank to borrowers to meet their liquidity financing needs for legitimate investment and business activities. The loan object is a natural person with full civil capacity in China. The loan term generally does not exceed 1 year, and the longest is 3 years. Loan amount The maximum amount of a single loan does not exceed 3 million yuan.

And meet the following requirements: ● If the loan is applied by pledge, the maximum loan amount shall not exceed 90% of the face value of the pledge; ● When applying for a loan by mortgage of a personal commercial house or a property under the name of the company, the maximum loan amount shall not exceed 70% of the transaction price or assessed value of the house; ● If you apply for a loan by personal housing mortgage (2 or more houses are required), the maximum loan amount shall not exceed 50% of the transaction price or assessed value of the house; ● If the guarantor applies for a loan, the maximum loan amount shall not exceed the comprehensive guarantee capacity of the guarantor.

Product advantages:

1, the loan amount is high, up to 3 million.

2. The loan term is long, up to 3 years.

3. The guarantee method and repayment method are flexible.

Loan terms:

1, with local permanent residence or valid residence certificate;

2. I and the business entity have good credit records and are willing to repay;

3. The operation complies with national laws, regulations and relevant policies;

4, with a stable source of income and the ability to repay the loan principal and interest on time;

5. Provide bank-approved guarantee.

Application materials:

1. Original and photocopy of valid identity documents, marriage certificates, household registration books or other valid residence certificates of you and your spouse;

2. Information about the business entity of you and your spouse;

3. Guarantee documents such as mortgage, pledge or guarantee;

4. Other required documents or materials.

Jining Bank, the former commercial bank of Jining City, was established on February 3rd, 2005 with the approval of China Banking Regulatory Commission. It was established in June 2006 and opened on August 26, 2006. It is the only local joint-stock commercial bank in Jining. By the end of 20 13 and 10, Jining Bank * * had set up 35 institutional outlets, including 18 departments,/kloc-0 business departments and 3/kloc-0 local branches, and 4 branches in different places (Heze Branch, Zaozhuang Branch and Zaozhuang Branch) Total assets are 2.71100 million yuan, deposit balance is 22 billion yuan, and loan balance is157 million yuan.

2018165438+17 October, Jining Bank signed a strategic cooperation agreement with Tencent Cloud to provide technical support for Jining Bank in the construction of Internet loan platform, intelligent risk control and intelligent marketing system, and to promote the extension and expansion of its financial business to the Internet.