It should be noted that it does not mean that you can borrow money as long as you have a business license. In addition to the above conditions, there are also requirements for the business license itself: 1. The registration date of business license is generally more than 6 months for lending institutions, not less than 1 year for commercial banks, and more stringent for foreign banks, requiring more than 3 years. If it involves the transfer of business entities (enterprises or self-employed individuals transfer their hands to another enterprise or self-employed), it is required that the legal person change must be over one year. 2. The name and business scope of the lending institution also have clear requirements. Due to the influence of various policies, lending institutions generally have prohibited and restricted industries. If the name or business scope on the business license only reflects these industries, the loan is not easy to pass the examination and approval. The registered capital on the business license is sometimes very important. Registered capital can also reflect the hard power of enterprises or self-employed, and naturally the higher the better. In order to reduce the loan risk, some lending institutions even require minimum registered capital.
Materials to be prepared for business license loan 1. Original and photocopy of business license, original and photocopy of tax registration certificate, original and photocopy of organization code certificate (only business license is required for the integration of three certificates); 2. Tax receipts for the last three months; 3. Articles of association; 4. Capital verification report; 5. Upstream and downstream contracts in recent March; 6. Sales documents or VAT invoices; 7. Providing tap water to the public in the last six months; 8. Financial statements of the past 1 year (necessary information for operating loans and evidence for consumer loans).
General process of business license loan 1. The borrower consults with the lending institution to handle the business license loan; 2. According to the requirements of lending institutions, provide relevant information on business license loans and apply for loans; 3. Wait for the bank or small loan company to review. If approved, go to the bank to sign a loan contract. If it is a mortgage loan, you need to go through the mortgage registration procedures; 4. When issuing loans, the borrower can repay the loan principal and interest as agreed in the contract. Business license loan interest loan interest is often not fixed, which is related to the borrower's comprehensive qualifications. However, according to the situation of ordinary commercial loans, the interest of business license loans is generally around 2 points (2% monthly interest rate, corresponding to 24% annual interest rate). How much business license loans can be borrowed, and how much to borrow, also depends on the borrower's conditions. If you apply for a credit loan, you can borrow up to 1 10,000. If the real estate is mortgaged, it can generally mortgage 60-70% of the real estate assessment price, with a maximum of10 million.