What qualifications do loan intermediaries need? Loan intermediaries need to have relevant business licenses. According to China's laws, a loan must meet six conditions, namely: (1) has legal status; (two) a stable economic income, good credit and the ability to repay the principal and interest of the loan; (3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank; (4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; (5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; (6) Other conditions stipulated by the lending bank.

How do private lending intermediary companies apply for business licenses?

To apply to the Municipal Finance Office, the most important item in the application scope is: financing docking.

However, at present, only a few cities in China can apply to open a "private lending registration (intermediary) service center".

The most common means of operation is to start: investment companies, investment guarantee companies, investment management companies, information consulting companies, etc. It is very simple to start the above companies. You can apply for a license directly at the industrial and commercial administrative examination and approval hall in your district.

Lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard the legitimate rights and interests of both borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm the national and social public interests.

As long as its behavior violates the relevant contents of the Measures for the Administration of Intermediaries, the loan intermediary will still be violated.

Extended data:

New license

On March 1 2009, a new version of the business license was launched nationwide. All kinds of market entities approved by the registration authority to establish, change their registration and renew their business licenses shall renew their new business licenses. Various market entities that have existed before can continue to use the original business license or apply for a new business license.

The new business license will print the national emblem, border, title (business license), the website of the national enterprise credit information publicity system, the official seal of the registration authority, the year, month and year, and the supervision of the State Administration of Markets. , and print a unified social credit code and number, the name and content of the recorded items, two-dimensional code and other contents, of which a copy will be printed face to face with the tips of the annual report.