1, individual industrial and commercial households must obtain a formal business license, the business scope conforms to state regulations, and the establishment time is more than one year;
2. Self-employed individuals pay taxes normally during their operation, and self-employed individuals who have not paid taxes cannot apply for loans;
3. When applying for a loan, you must authenticate the identity of the legal representative and provide enterprise account information;
4. Self-employed households have good credit status and no bad credit records.
After the audit is passed, Weizhong Bank will send a text message to inform the legal representative of the enterprise of the audit results.
Extended data
Information required for applying for small and micro enterprise loans:
Tax authorization, identity authentication, personal basic information, mobile phone number, bank card information of tax payment account. During the application process, the legal person needs to record a video, which is similar to the operation mode of the famous school loan. The enterprise legal person applies in person, and the system conducts a comprehensive audit according to the operation and tax payment of the enterprise.
Micro-credit is an online working capital loan service provided by Weizhong Bank for small and medium-sized enterprises. This product is a financial innovation product combining big data analysis with Internet technology. From application to withdrawal, customers can complete all online, without collateral, and the amount is visible. Funds arrive in minutes, interest is calculated on a daily basis, and they are borrowed and returned. Weizhong Bank will provide efficient and convenient financing services for small and medium-sized enterprises in technology and finance.
How to apply for micro-loan self-employed households?
Application conditions for micro-industry loans, what conditions micro-industry loans need to meet, and how to apply for loans.
The loan application process of Weizhong Bank in Wechat business is as follows: Pay attention to "Weizhong Bank Corporate Finance", click on the loan and register the enterprise. After the registration is successful, click to view the amount. After that, the legal person's real-name authentication will be carried out, and the approval result will be awaited after applying for verification. Only after approval, the loan amount will appear on the page. At this point, you can add an enterprise account to complete the withdrawal of loan amount.
Note that the Wechat business loan only provides services for enterprises in some areas, and enterprises outside the service scope are temporarily unable to apply.
The application conditions of microfinance mainly include the following points:
1. The age is above 18 years old (inclusive) and he holds a Chinese mainland resident identity card;
2 is the legal representative of the enterprise;
3 enterprises operating well, stable income, the ability to repay the principal and interest of loans on schedule;
4. The enterprise and the business owner have a good reputation, and there are no bad credit records and serious negative information in the credit report.
General taxpayer enterprises, small-scale taxpayer enterprises and individual industrial and commercial households can apply for micro-enterprise loans. However, we also need to note that microfinance is not open to the whole country.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Three, "new one loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.
The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Ping An Xin Yi Dai Click Online Measurement
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Excuse me, can Wechat business loan individual households handle it?
Small loan self-employed individuals can also handle it. Before applying for a small loan, the legal representative needs to be certified, and the legal representative himself is a self-employed. After entering the identity authentication link, users can fill in information such as name, ID number and contact information carefully. It takes about half an hour to review the credits, and in a few cases it takes longer.
After the audit is passed, Weizhong Bank will send a text message to inform the legal representative of the enterprise of the audit results.
Can individual merchants handle more information about Wechat business loan? Go to: See more.
Can a self-employed person apply for a loan in Wechat business?
Individual industrial and commercial households can apply for micro-enterprise loans. At present, Wechat business has opened the exclusive application channel for self-employed loans, and individual industrial and commercial households must obtain a formal business license to apply for Wechat business loans. The business scope conforms to the provisions of the state, and the establishment time should be more than one year, during which the tax is paid normally, and the legal person applies in person.
Micro-industry loans have the opportunity to obtain credit lines as long as they authenticate personal information, but whether they can be approved in the end depends on whether the user's operating conditions and tax payment conditions meet the requirements.
How to apply for a loan in Wechat business?
Suitable for users: general taxpayers of enterprises.
1. The enterprise has been operating for two years and has tax data for more than two years.
2. the tax level is a/b/c/m.
3. The value-added tax amount in any year of the last two years is not 0.
4. There is no overdue tax payment in the last six months.
5. The applicant can only be the legal representative of the enterprise.
6. Change of legal person: subject to the update of the tax bureau system.
Business scope: At present, small loans are only for customers in Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi provinces. Please select the corresponding provinces and cities on the login page to enter.
Application channel: You can learn about the application entrance in the official account of WeChat and the official microfinance institution. Be sure to apply through official channels, and don't go into the cottage website by mistake.