How to get a loan for a self-employed business license

The business license of an individual business owner can be borrowed, and the following conditions must be met: 1. The loan for an individual business license requires the business project to be in operation for more than one year. And it needs to be reviewed by the industrial and commercial department; 2. A Chinese citizen who is over 18 years old with full capacity for civil conduct and has a permanent residence; 3. The borrower must have sufficient repayment ability and be able to provide bank statements for the past six months, etc. Let’s follow the editor of Legal Express to find out more.

1. How to get a loan with a self-employed business license

When applying for a loan with a business license, in addition to the business license, the borrower is also required to provide proof of identity, marriage certificate, address proof, etc. , and must also provide bank statements for more than six months. The more complete the information you prepare, the easier it will be to apply for a loan. Self-employed business license loans are highly targeted and have flexible repayment methods. Highly targeted: Tailor-made for individual industrial and commercial households to meet their production, operation and other capital needs in many aspects. Flexible repayment methods: Implement maximum loan balance management, and you can choose different repayment methods.

Application process:

1. The borrower shall prepare all the above information and submit it to the lending institution;

2. The lending institution will review the information and at the same time, Conduct pre-loan investigation;

3. If the investigation is passed, both parties sign a loan agreement;

4. After the agreement is signed, the lending institution issues the loan;

5. Borrowing The person repays the loan in accordance with the provisions of the contract.

How to get a loan online with a business license

You can get a loan with a business license, but you must also meet the loan conditions and bring other relevant information. You must prepare the tax registration certificate, ID card of the legal person and his spouse, marriage certificate, household register, rental contract for the business site, product quality certificates of the products sold, etc. before you can apply for a loan. Of course, not every bank is the same. It is recommended to consult the relevant banking department to understand.

The application steps for a business license loan are:

1. Apply to the bank and submit complete loan procedures. In addition to providing the original and copy of the business license, the borrower must also prepare these materials: the original and copy of the corporate identity card or individual business owner, the company's annual report or store operation statement for the past three years, and corporate bills for the past six months, etc. .

2. The bank will review the application materials and conduct a pre-loan adjustment check on the borrower. This step mainly looks at the specific economic situation of the operator to predict the lender's ability to repay the loan.

3. The borrower and the lender sign a loan contract.

4. Lending institutions issue loans.

5. The borrower shall repay the principal and interest of the loan in full and on time as agreed in the contract.

Legal basis: Jishu

Article 20 of the "Regulations on Individual Industrial and Commercial Households" Individual industrial and commercial households can open a business in a bank or other financial institution in accordance with the law with a business license and tax registration certificate Account, apply for a loan Wang Qingzhe. Financial institutions should improve and improve financial services and provide convenience for individual industrial and commercial households to apply for loans.

Article 36 of the "Commercial Bank Law of the People's Republic of China" For commercial bank loans, the borrower shall provide guarantee. Commercial banks shall strictly examine the guarantor's repayment ability, the ownership and value of mortgages and pledges, and the feasibility of realizing mortgage rights and pledge rights. If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required.

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Can I apply for a loan with a business license?

A business license is a necessary material for applying for a loan, but it is a separate A business license cannot be used for loans.

1. Most enterprises will encounter financial problems in their operations and need loans, so for self-employed individuals.

When applying for a loan, it is inevitable that you need to provide a business license;

2. Article 4 of the "Regulations on Individual Industrial and Commercial Households" does not mean that a legal person can get a loan with a business license Yes, your business license must be registered for more than one year;

And in the past six months, both public and private bank statements are required. Self-employed individuals do not need to have public bank accounts, and for industries such as steel trading, it is almost unsecured. No;

Or you can apply for a loan if you own a house or a car.

You cannot get a loan simply with a business license. Banks generally require a guarantee (mortgage) for the loan. After the credit rating reaches a certain level (usually aa level or above), you can apply for a credit loan within a certain amount. . It does not mean that as long as you have a business license, you can get a loan. In addition to meeting the above conditions, there will even be requirements for a registered capital of no less than a certain amount. The interest rate for a business license loan is generally around 2 cents (monthly interest rate 2, corresponding to 24 cents). annual interest rate), generally 60-70% of the appraised value of the property can be loaned as mortgage;

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Why do personal loans require a business license? The reason is this!

Nowadays, many people will choose to apply for personal loans from bank financial institutions once they lack funds. Personal loans have a wide range of uses. Funds can be used for decoration, marriage, education, medical care, consumption and shopping, etc., as long as they provide Basic application information is enough. Some users asked us, why do we need a business license?

1. Business License

Now individuals can also register companies. A business license is a certificate issued by the industrial and commercial administration to industrial and commercial enterprises and self-employed individuals allowing them to engage in certain production and business activities. .

2. Why do personal loans require a business license?

If it is a purely personal loan, you can apply successfully without a business license. The basic information includes the following:

1. The original and copy of the borrower's valid identity document.

2. If you are married, you also need to provide a marriage certificate.

3. Proof of local permanent residence or valid residence status.

4. Documents proving the ability to repay, including income certificate, work certificate, bank statements for six months, etc.

5. Proof of assets in your name, pledge rights, mortgage list and ownership certification documents required for pledge and mortgage amount.

6. Credit report.

The above are the basic application materials. Some personal loans are relatively simple and do not even require so much information. You only need to provide them according to the bank's requirements.

If there is a company in the name of the borrower, the bank may require you to provide a business license after knowing it. This way, on the one hand, you can obtain a higher loan amount, and on the other hand, you can also keep the file, because some loan products It is personal in nature and cannot be used for business operations. After comprehensive evaluation, you may be advised to apply for a business loan.