How to borrow business license loans, and which platform is good for business license loans.
Business license loan conditions are as follows:
Generally, banks will be required to operate for more than one year. It is estimated that new business licenses are not allowed to lend, but different banks have different requirements. You can ask the banks more.
Which platform is good for business license loan:
Agricultural Bank of China Weijiedai
Agricultural Bank of China microfinance also serves small and micro enterprises, and can be applied through online banking and mobile banking. Agricultural Bank of China's microfinance loan amount can reach 654.38+0 million, and the service life of the loan is 654.38+0.2 months.
Weizhong bank company Dai
Micro-enterprise loans of Weizhong Bank can be handled with business licenses. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprises can reach 3 million yuan, and the longest loan period is 36 periods.
CCB understands you.
CCB understands that you are making a small and micro enterprise APP, which can handle loans for the majority of enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses and tax information. , service life 12 months.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.
The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Ping An Xin Yi Dai Click Online Measurement
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
How to borrow the house book and business license loan?
How to use the business license to borrow money The business license borrowing process is as follows:
The first step of the business license loan process: submit the business license loan application to the bank and consult the loan related matters;
The second step of the business license loan process: submit the relevant information of the business license loan process, such as the business license certificate, the operating flow of the self-employed bank for nearly six months, the operating flow certificate of the enterprise for nearly one year and the financial statements of the enterprise. And the borrower's credit report.
The third step of the business license loan process: waiting for the bank's review. If approved, both parties sign a loan contract. Apply for mortgage loans, mortgage registration procedures.
The fourth step of the business license loan process: the bank issues loans to the designated account.
The above is the business license loan process. Friends who need loans should act quickly, and they can go to China Travel Service for consultation. About the loan.
Can I get a loan with the company's business license as collateral?
Legal analysis: Yes.
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.
Legal basis: Article 17 of the General Rules for Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity, who has the nationality of People's Republic of China (PRC) (People's Republic of China (PRC)) and has been approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic deposit account or general deposit account has been opened.
Four, except as stipulated by the the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
How to borrow a business license to lend money? All the dry goods that self-employed people need to know are here.
For the first-time borrowers, business license loans are still relatively unfamiliar. Business license loans can not only provide business licenses, but also provide necessary information required by banks. Let's learn how to borrow a business license loan.
Business license loan process
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit the relevant information of the business license loan process, such as the business license certificate, the bank's silver flow in the past six months if the self-employed person handles the loan, 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.
How to borrow a business license loan? After understanding the business license loan process, let's look at what conditions are met and what materials need to be provided to get the loan.
Conditions of business license loan
1, with full capacity for civil conduct and local hukou;
2. Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source;
3, can provide legal, full and easy to realize the mortgage (pledge);
4. Open a deposit account in the bank.
Information to be provided for business license loan
1, the original and photocopy of ID card and household registration book are consistent with the original;
2. Provide the original and photocopy of the annual business license and tax registration certificate;
3. Relevant information that can prove their legitimate income;
4. Relevant information that can prove their marital status;
5. Provide legal and sufficient collateral and evaluation report;
6. The mortgagor or pledger shall fill in the mortgage (pledge) pledge in bank format;
7. Other information required by the bank. .