The borrower/actual controller of the borrowing enterprise shall meet the following conditions:
1. China citizens with full capacity for civil conduct.
2. Have legal and valid identification, and the age plus credit/single loan period shall not exceed 60 years old in principle, and the maximum shall not exceed 70 years old.
3. It has the ability to repay the principal and interest of the loan on time, is law-abiding, honest and trustworthy, and has no illegal acts. At present, it has not involved any criminal cases or civil cases against it.
4. The borrower/actual controller of the borrowing enterprise should have more than 3 years of continuous and successful business experience in the industry corresponding to the loan purpose, and it can be extended to 2 years if one of the following conditions is met:
1) Small and micro enterprise mortgage loan with full mortgage of real estate.
2) Small and micro enterprises jointly guaranteed by professional guarantee companies, natural persons or natural persons attach insufficient mortgage loans.
3) The guarantee method is small and micro enterprise loans jointly guaranteed by professional guarantee companies, natural persons or natural persons.
5. The credit record of the borrower/actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II.
6. In a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise. For natural persons who are engaged in legal production and operation, but do not need to apply for a business license according to the current policy, such as farmers, fishermen and other natural persons who can provide proof of legal operation, they can also apply for personal business loans.
7. In small and micro enterprise corporate loans, the actual controller of the borrowing enterprise provides full irrevocable joint liability guarantee for the loan.
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