Minsheng Bank's small and micro loans are mainly for individual industrial and commercial households, small and micro private enterprises, small and micro private entrepreneurs or actual controllers. The maximum amount of small and micro loans for a single household is 5 million. So, what conditions do Minsheng Bank need for small and micro loans? 1. The borrower must be a member of the mutual cooperation fund organization that cooperates with Minsheng Bank, and the fund manager must agree to provide guarantee for it; 2. The borrower has full capacity for civil conduct, has certain working experience and industry experience, and the enterprise has good credit standing and operation; 3. In principle, the borrower has a permanent residence or valid residence status in the town under the jurisdiction of the credit bank, and has a fixed residence and production and business premises; 4. The borrower has a good credit record, no bad habits, no major private lending behavior and no major economy; 5. Meet other conditions stipulated by Minsheng Bank for small and micro loans. For details, please refer to the Measures for the Administration of Credit Granting to Merchants of China Minsheng Bank. If there is no guarantee, then applying for small and micro loans from Minsheng Bank needs to provide mortgage or pledge. Mortgage includes real estate mortgage, and there are many ways of pledge, including accounts receivable pledge, lease right pledge, movable property pledge and so on.

2. What conditions do Minsheng Bank need for small and micro loans?

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide unmarried certificates, and divorced persons need to issue civil mediation papers or divorce certificates (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row);

5. Property title certificate of real estate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. are required)

Note that:

1. The loan can only be made with collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of the collateral;

2. Have a long-term and stable income source sufficient to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years;

5. Customers who enter the blacklist of the credit information system cannot apply for loans;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property evaluation fee, etc.

Generally, it takes about 1 month to get a loan.

Process:

1. Apply for a loan from the bank,

2. After the acceptance by the bank, the value of the mortgaged property is evaluated, and the loan amount is approved according to the evaluated value;

3. Open a personal current deposit account, sign a loan contract, etc.

4. Handling the registration of real estate mortgage;

5. Bank lending.

3. What conditions do Minsheng Bank need for small and micro loans?

Minsheng Bank's small and micro loans need to be approved and registered by the administrative department for industry and commerce, have independent legal personality, be able to conduct independent accounting, open a basic account, and the paid-in capital is not less than the registered capital.

Enterprises have good repayment ability, the ratio of assets to liabilities should be reasonable, and the ratio of assets to liabilities should not exceed 70%. Enterprises have the ability of continuous profitability and stable market competitiveness.

Enterprises must have good credit.

I. Small and micro loans

Micro-credit is an application of IOS platform, with a software size of 3.9MB. It is a mobile phone application specialized in the research, promotion and membership promotion of micro-credit in China.

Small and micro loans focus on providing all-round information and business loan professional services for enterprises and individuals.

Second, the loan

A simple understanding of a loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

Loans refer to loans, discounts, overdrafts and other lending funds.

Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development.

Fourth, is Minsheng Xiaowei app true?

It's true.

1 month 12, on the occasion of the 26th anniversary of the establishment of China Minsheng Bank, the bank held a press conference on the launch of Minsheng Micro-App and the scale of micro-loan exceeded 600 billion, officially launched Minsheng Micro-App, and launched four product systems, namely, commercial loan link, industrial loan link, agricultural loan link and online loan link.