1, personal business license loans need to be operated for more than one year and need to be reviewed by the industrial and commercial departments;
2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence;
3. The borrower must have sufficient repayment ability to provide the bank with running water for nearly half a year;
4. Have a fixed business place and a stable income.
5. Good credit record. The loan processing flow of self-employed business license is as follows:
1. The borrower applies to the lending institution and submits the materials required for the loan.
2. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property.
3. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed. To apply for the establishment registration of individual industrial and commercial households in accordance with Article 5 of the Regulations of the People's Republic of China on the Administration of Company Registration, the following documents shall be submitted:
(a) the application for registration of the establishment of individual industrial and commercial households signed by the applicant;
(2) the identity certificate of the applicant;
(3) Proof of business place;
(4) Other documents required by national laws and regulations. Article 10 After receiving the application for registration submitted by the applicant, the registration authority shall accept it if the application materials are complete and conform to the statutory form. If there are errors in the application materials that can be corrected on the spot, the applicant shall be allowed to correct them on the spot. Article 11 When accepting an application for registration, the registration authority shall issue a notice of acceptance to the applicant.