First, the self-employed loan application conditions

1. China citizens with full capacity for civil conduct, under the age of 60 (inclusive), have a permanent residence in the place where the loan bank is located, and have permanent residence or valid residence certificates;

2. The borrower and its business entities have good credit records and repayment willingness, and there is no record of default;

3. Good and stable operation;

4. Have more than one year's working experience, have a good working record in the business field, and the operating period is in principle more than one year (including one year);

5, with a stable source of income and the ability to repay the loan principal and interest in full and on time;

6. The product has a market, benefits and good business prospects;

7. The business entities (including individual industrial and commercial households, sole proprietorship enterprises and partnership enterprises) owned by the borrower and spouse have no financing in the bank.

Second, the self-employed loan application materials

1. Original and photocopy of valid identity documents and marriage relationship certificates of the borrower and spouse;

2. Local permanent residence or local long-term residence certificate of the borrower and spouse;

3. For the business license of production and operation, provide the original and photocopy of the business license of the relevant administrative department;

4 proof of the borrower's spouse's commitment to repay the loan;

5. Other materials required by the lending institution.

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