Conditions for factory loans for small and medium-sized enterprises in Fujian:

1. Meet the credit factory customer access requirements;

2. The borrower’s operating years, or his legal representative The person/actual controller’s main business experience reaches 2 years or more;

3. The borrower and its legal representative, major shareholders, and actual controllers have no bad credit in our bank; they have no bad credit in the People’s Bank of China The credit record in the bank's corporate credit reporting system and the personal credit reporting system is good (a good credit record means that the enterprise has no outstanding bad credit records in the credit reporting system of the People's Bank of China and has not had any debt restructuring with the bank within three years; the individual has a good credit record in the People's Bank of China's credit reporting system. There is no outstanding bad credit record in the bank's credit reporting system, and no malicious overdue repayment record);

4. The borrower has no related relationship with the developer or seller;

5. The house purchase contract has been signed (except through court auction), and the demand for loan funds is real and reliable;

6. The funds have been paid or have the ability to pay no less than the total purchase price of the factory excluding the loan;

7. Make a written commitment to mortgage the factory building and attached land use rights to our bank, and obtain other certificates in a timely manner;

8. Other conditions required by our bank.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

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