Business license loan process:
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report;
3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures;
4. The bank issues loans to designated accounts.
Information provided:
1. The business license needs more than one year.
2. The original and photocopy of the ID card and residence booklet are consistent with the original;
3. Provide the original and photocopy of the annual business license and tax registration certificate;
4. Relevant information that can prove their legitimate income;
5. Relevant information that can prove their marital status;
6. Provide legal and sufficient collateral and evaluation report;
7. The mortgagor or pledger shall fill in the pledge in bank format;
8. Other information required by the bank.
Fast track to apply for loans-quickly solve the financial problems of small and medium-sized enterprises and individuals.
Laid-off workers, people with physical disabilities and those who enjoy the minimum living guarantee, or demobilized veterans and released prisoners who want to do "small business" can apply for business start-up loans at the Small Loan Guarantee Center of the Municipal Bureau of Human Resources and Social Security, with a maximum loan of 50,000 yuan and a maximum loan of 80,000 yuan for women entrepreneurs. The loan period is one or two years, and it is completely interest-free.
Four service windows have been set up in the administrative service hall of the municipal government. The staff of the small loan guarantee center and the handling bank work together to provide one-stop service. Just submit the application in the service window.
Loans generally need a stable source of income to be processed, but they also need to look at the specific requirements of banks. It is suggested that you can go to a regular lending institution for detailed inquiry.
Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.