The business license of individual industrial and commercial households can be loaned. But the following conditions need to be met:

1, personal business license loans need to be operated for more than one year and need to be reviewed by the industrial and commercial departments;

2. The lender must be a citizen with full capacity for civil conduct and have a fixed residence;

3. Lenders must have sufficient repayment ability.

I. Information to be provided by individual industrial and commercial households for borrowing:

1, individual industrial and commercial households must be able to provide ID cards and household registration books, and the copies are consistent with the original;

2. Provide the original and photocopy of the business license and tax registration certificate;

3 individual industrial and commercial households in normal operation, but also need to provide proof of legitimate income and related materials;

4. If the borrower is married, it is also required to provide a marriage certificate, spouse's ID card, the original and copy of the household registration book, and unmarried people do not need a marriage certificate.

Second, the self-employed business license loan process:

1. Prepare materials. First, prepare the materials required for bank conditions. If it is a customer with a mortgage loan, it is necessary to issue a certificate of property rights of the collateral. If it is an unsecured loan customer, it needs to provide a good credit record;

2. After handling the application and preparing relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank. After submitting relevant materials to the bank and paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;

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Can I get a loan for my business license?

You can borrow money with a business license, but at the same time you must meet the conditions of the loan. Business license is an essential material for enterprises to apply for loans, but a separate business license cannot be used for loans. In addition, the general rule of banks is to obtain a business license for at least 1 year before applying for loans, and a few financial institutions have lowered the threshold to half a year.

When applying for a loan, an enterprise shall provide the following materials in addition to its business license:

(1) Borrower's identity certificate;

(2) enterprise tax registration certificate;

(3) Organization code certificate;

(4) enterprise loan card;

(5) an account opening permit;

(6) Certificate of running water of enterprise bank (at least half a year)

(seven) other information required by the bank.

legal ground

Article 36 of the full text of the Commercial Bank Law states that a borrower shall provide a guarantee when lending to a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Can I get a loan with a business license?

You can't apply for a loan with a separate business license. You need to meet certain conditions before you can apply.

1. The business license must be legally obtained and have been in operation for one year, or have actually been in operation for one year (providing a one-year lease contract).

2. Have an account at the place where the loan bank is located, be a corporate person 18 years old or above, and have civil capacity.

3. Have a fixed business place or address in the local area, operate legally, and have stable and sufficient operating income as the first repayment source.

4, can provide legal, sufficient value, easy to realize the collateral.

5. Open a deposit account in a loan bank. Other conditions that meet the requirements of the lender.

Extended data:

What is the business license?

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 of Market Supervision. Industrial and commercial enterprises or individual industrial and commercial households may not start business without a business license, nor may they sign contracts, engrave official seals, advertise or register trademarks, and banks may not open accounts.

Do you have a business license to borrow money from the bank?

You can't apply for a bank loan only with your business license. You need to hold a tax registration certificate and other documents to apply for a bank loan.

According to the provisions of Article 20 of the Regulations on Individual Industrial and Commercial Households, individual industrial and commercial households can open accounts in banks or other financial institutions and apply for loans according to law with their business licenses and tax registration certificates. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans.

Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 41 No unit or individual may force commercial banks to issue loans or provide guarantees. Commercial banks have the right to refuse any unit or individual to force them to issue loans or provide guarantees.

Extended data:

Article 39 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks shall abide by the following provisions on the management of asset-liability ratio:

(1) The capital adequacy ratio shall not be less than 8%.

(2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.

(3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.

(4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio.

If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.