Conditions that the borrower needs to meet:
1, which meets the basic requirements of our retail loan customers.
2. Small and micro enterprise loan business applied by foreigners and people from Hong Kong, Macao and Taiwan is not accepted.
3. For mortgage loans to small and micro enterprises, the borrower or the actual controller of the borrowing enterprise should have more than 2 years' continuous operation experience in the industry corresponding to the loan purpose; For non-mortgage small and micro enterprise loans (small and micro enterprise loans other than mortgage loans), the borrower or the actual controller of the borrowing enterprise should have more than 3 years' continuous operation experience in the industry corresponding to the loan purpose.
4. The credit record of the borrower or the actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II.
5. In personal business loans, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 10% (inclusive), 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 and fishermen, and operators who set up private extracurricular tutoring and training institutions and law firms according to national laws and regulations, they can apply for personal business loans if they can provide relevant legal business certification materials.
6. In the corporate loan of small and micro enterprises, the actual controller of the borrowing enterprise shall provide the full irrevocable joint liability guarantee for the loan.
7. The family (including spouse and minor children) of the borrower or the actual controller of the borrowing enterprise is insolvent (that is, the family net assets <; 0), may not apply for small and micro enterprise loans.
8. The borrower or the actual controller of the borrowing enterprise shall not be a person on the list of sanctions or supervision.
Extended data:
Application procedure
1, Sign the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank, and pays the down payment to the real estate development company;
2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents;
3. Payment review: the law firm conducts a preliminary review of the client's application, and then the bank approves it; If the review is unqualified, return the customer information and the fees charged;
4. Other legal procedures: the law firm handles insurance, notarization and mortgage registration and filing of collateral;
5. Loan issuance: The bank transfers the loan amount to the developer's account and informs the customer to start mortgage payment.
References:
Baidu Encyclopedia: Personal Loan