What is the commercial loan of China Merchants Bank?
China Merchants Bank's "Commercial Loan Link" is a comprehensive financial service product designed for small and micro enterprises and individual industrial and commercial households to solve short-term and medium-term operating capital turnover, daily payment settlement and financial management. The loan subjects are natural persons such as POS merchants, small and medium-sized business owners and individual industrial and commercial households. China Merchants Bank's "Commercial Loan Link" integrates four characteristics and strives to provide the best financing services for small and micro enterprises.
China Merchants Bank commercial loan application conditions:
1, age: age ≥ 18 years; Age+loan period ≤70
2. Household registration: legal and valid identification (in principle, it is required to be a domestic person)
3. Work experience: At least 2 years of continuous and successful self-management experience in the industry corresponding to the loan purpose.
4. Liabilities: family asset-liability ratio ≤70%, family net assets ≥ 500,000, family net assets loan coverage ≥ 1 (such as guarantor's guarantee: applicant's family+guarantor's family net assets loan coverage ≥ 1), and credit line ≤ 20% of sales; The operating loan amount of a single borrower is less than or equal to 5 million.
5. Credit requirements: the credit record is above Grade II (inclusive), and no record is deemed to meet the requirements.
6. Guarantee method: the guarantor's credit rating is above Grade II and not lower than that of the applicant; The net assets of the guarantor's family are not less than the net assets of the borrower's family.
7.POS record: the POS acquiring transaction record provided by the applicant exceeds 1 year, and the record is continuous every month; In the past six months, the average monthly POS receipt amount is not less than 65,438+10,000 yuan; The POS acquiring transaction process provided by the applicant has been stamped with the bank seal of the acquiring account; The entry process of the acquiring POS conforms to the actual operation of the applicant, and the transaction process that does not conform to the actual operation of the applicant should be eliminated.
Application materials for commercial loan of China Merchants Bank:
1, identification: ID card, household registration book.
2. Marriage certificate: marriage certificate or divorce certificate, single statement, unmarried statement.
3. Local residence certificate: fixed telephone or water, electricity and fee payment documents for the past 3 months.
4. Business qualification certificate: business license, organization code certificate, tax registration certificate, articles of association and capital verification report, enterprise business registration information inquiry form, account opening permit, loan card (individual business: business license) and financial statements (optional).
5. Proof of business status: sales contract or bank statement or running water in the last three months, and 6 photos of the site. Proof of financial resources: financial assets, non-financial assets and income certificates of families and enterprises.
7. Proof of use: purchase and sale contract, lease agreement, cooperation agreement or VAT invoice, etc.