The business license of individual industrial and commercial households can be used for loans and must meet the following conditions: 1. Individual business license loans need to be operated for more than one year, which need to be audited by the industrial and commercial department; 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 enough repayment ability to provide the bank with running water for nearly half a year. Let's learn about it through Bianxiao Law Express.
1. How do self-employed individuals borrow business licenses?
When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.
Application process:
1. The borrower shall fully prepare the above information and submit it to the lending institution;
2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;
3. After investigation, both parties signed a loan agreement;
4. After the agreement is signed, the lending institution issues loans;
5. The borrower repays the loan according to the contract.
Can I get a loan for my individual business license?
The business license of individual industrial and commercial households can be loaned. But the following conditions need to be met:
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. The lender must be a citizen with full capacity for civil conduct and have a fixed residence;
3. Lenders must have sufficient repayment ability.
I. Information to be provided by individual industrial and commercial households for borrowing:
1, individual industrial and commercial households must be able to provide ID cards and household registration books, and the copies are consistent with the original;
2. Provide the original and photocopy of the business license and tax registration certificate;
3 individual industrial and commercial households in normal operation, but also need to provide proof of legitimate income and related materials;
4. If the borrower is married, it is also required to provide a marriage certificate, spouse's ID card, the original and copy of the household registration book, and unmarried people do not need a marriage certificate.
Second, the self-employed business license loan process:
1. Prepare materials. First, prepare the materials required for bank conditions. If it is a customer with a mortgage loan, it is necessary to issue a certificate of property rights of the collateral. If it is an unsecured loan customer, it needs to provide a good credit record;
2. After handling the application and preparing relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank. After submitting relevant materials to the bank and paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;
Please click to enter the picture description (maximum 18 words).
How do self-employed people borrow money?
Legal analysis: the process of individual industrial and commercial households' loans is roughly as follows:
1. 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.
2. The state encourages, supports and guides the development of individual economy. Individual industrial and commercial households can apply for loans by opening accounts in banks or other financial institutions with their business licenses and tax registration certificates. Individual industrial and commercial households may apply to the industrial and commercial office where the business premises are located. Vendors who have no fixed business premises shall apply to the local registration authority for national age.
Legal basis: Article 14 of the Measures for the Administration of Registration of Individual Industrial and Commercial Households shall submit the following documents when applying for registration of individual industrial and commercial households: (1) Application for Registration of Individual Industrial and Commercial Households signed by the applicant; (2) the identity certificate of the applicant; (3) proof of business premises; (4) Other documents required by the State Administration for Industry and Commerce.
There are a thousand hamlets in a thousand people. In any case, there are no two identical leaves in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!
Colleagues wish you a safe and smooth life in the future. When you encounter difficulties, you can also face them and succeed. If you don't understand any questions, you can continue to ask. Don't feel embarrassed or worried. We have always been the backstage of your most loyal friend. In reality, you can tell me in detail about illegal infringement and unsatisfactory things. We always provide the most reliable judicial answers and help, and don't encounter difficulties.