Individual industrial and commercial households loan is a personal loan service designed and launched by banks to meet the financing needs of individual industrial and commercial households. According to the characteristics of simple financial management and quick and flexible business turnover of individual industrial and commercial households, the loan application materials and approval procedures are simplified accordingly.
Then, what conditions do individual industrial and commercial households need to meet when applying for loans?
Individual industrial and commercial households loan conditions:
1. Have full capacity for civil conduct and local hukou;
2. Have a fixed business place, operate legally, and operate for more than one year in principle;
3. Have a good credit record, stable income and the economic ability to repay the principal and interest on schedule;
4. Providing legal, sufficient and easy-to-realize collateral or pledge;
5. Other conditions stipulated by the bank.
After the individual industrial and commercial households meet the above conditions, they shall submit the ID card, household registration book, business license, tax registration certificate, legal income certificate, mortgage evaluation report and other related materials to the applicant bank. Evaluate the credit rating of the applicant bank, and after confirming the credit line, sign a loan contract, issue loan vouchers and finally issue loans.
Individual industrial and commercial households loan
Description of loan application for individual industrial and commercial households
1 product features: strong pertinence and flexible repayment method.
Applicable object: a natural person with permanent residence or valid residence certificate, full capacity for civil conduct, registered with the administrative department for industry and commerce and obtained the business license of individual industrial and commercial households, and has a fixed place of business in China.
3 loan amount and term: loan amount **65438+ ten thousand-1 ten thousand * * loan area * * * national * * * term * *1-5 years * * *
4 loan interest rate: the monthly interest rate is 1% * * 1% * * *
Application materials: valid identity certificate of the borrower, proof of residential address, and copy of business license of individual industrial and commercial households.
Individual industrial and commercial households loan application process
1 The bank examines the written loan application, purchase and sale contract and related financial statements submitted by the applicant, examines and authenticates the loan guarantee or loan collateral information submitted by the applicant, and conducts on-the-spot investigation before lending.
Then decide whether to agree to the loan. If the loan is approved, the applicant needs to apply for a loan certificate at the financial management department of the local county and city people's bank, and open a basic or auxiliary settlement account at the bank that issued the loan.
At this time, the loan bank will transfer the loan funds to the opened account, which will be used by the applicant according to the loan application.
Matters needing attention in individual industrial and commercial households' loans
According to the relevant regulations of the People's Bank of China, commercial banks and urban and rural credit cooperatives can raise the loan interest rate of individual merchants within 30%, but the floating range of banks and credit cooperatives is inconsistent, so when applying for loans, they can "shop around" and try to choose financial institutions with small floating range. Generally speaking, the longer the loan term, the higher the interest rate, so try to shorten the time when determining the loan term.
What are the requirements for applying for a personal business loan?
Conditions for handling personal business loans:
1. The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct, including Hong Kong, Macao and Taiwan citizens, with good credit status and willingness and ability to repay, and complies with the Interim Measures for the Administration of Personal Loans and other laws, regulations and regulatory provisions;
2. The borrower is not less than 18 years old and not more than 65 years old;
3. The borrower meets the anti-xq of China Bank.
As well as relevant provisions on compliance with sanctions;
4. The borrower opens a settlement account in China Bank;
5. The borrower has a legal business entity and can provide relevant business licenses and business licenses.
Due to the differences in business in individual regions, please consult the acceptance outlets or transfer to manual service for details.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Can I get a loan for my individual business license?
The business license of individual industrial and commercial households can be loaned, but it must meet the following conditions:
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. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence;
3. The borrower must have sufficient repayment ability to provide the bank with running water for nearly half a year;
4. Have a fixed business place and a stable income.
5. Good credit record. The loan processing flow of self-employed business license is as follows:
1. The borrower applies to the lending institution and submits the materials required for the loan.
2. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property.
3. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed. To apply for the establishment registration of individual industrial and commercial households in accordance with Article 5 of the Regulations of the People's Republic of China on the Administration of Company Registration, the following documents shall be submitted:
(a) the application for registration of the establishment of individual industrial and commercial households signed by the applicant;
(2) the identity certificate of the applicant;
(3) Proof of business place;
(4) Other documents required by national laws and regulations. Article 10 After receiving the application for registration submitted by the applicant, the registration authority shall accept it if the application materials are complete and conform to the statutory form. If there are errors in the application materials that can be corrected on the spot, the applicant shall be allowed to correct them on the spot. Article 11 When accepting an application for registration, the registration authority shall issue a notice of acceptance to the applicant.