This product has the following characteristics:
65,438+0) The loan amount is as high as 654,380+million, meeting the diversified capital demand;
2) The loan period is flexible, and the longest loan period can reach 10 year to adapt to different business cycles;
3) There are various repayment methods, and the option of 13 is provided, which can be tailored according to the personal business model;
4) Borrowers have a wide age range, and applicants can reach 65 years old to provide financial support for experienced business operators;
5) There are various guarantee methods, including mortgage guarantee, guarantee guarantee, pledge guarantee and credit method.
What are the application conditions for personal microfinance?
Personal employment loans are applicable to natural persons aged 20-65 with full capacity for civil conduct. The borrower must hold a Shanghai household registration, other valid residence certificates or a certificate of fixed work for more than one year. In addition, the borrower must have industry experience and be the actual controller of the enterprise.
Enterprises that use funds must be established and registered according to law and have stable operating hours. The borrower needs to open a settlement account in the bank and make daily settlement through this account. The borrower should have a stable income and the ability to repay the principal and interest, a good credit record, and no illegal, bad business or employment record. In addition to the above conditions, other requirements of the bank must be met.