Individual operators can apply for online commercial loans.

Online merchant loans in Alipay are set for the needs of corporate lenders, while online merchant loans are set for personal consumption. The interest rate of online merchant loans is lower than that of online merchant loans, but everyone's credit is different and the interest rate is different. You can apply for online business loans according to your own needs, without too many operations, and the loans will arrive in seconds.

2. Can self-employed people get loans? What are the requirements?

Nowadays, self-employed individuals are also an important member of the loan army. Because the self-employed do not have a lot of bank running water and enterprise assets mortgage, it is usually more difficult to get loans. However, in the process of operation, it is inevitable that problems will be encountered, and loans are not impossible. What are the requirements? Let's take a look!

Can self-employed people get loans? The answer is yes. Although it is relatively difficult for self-employed individuals to borrow money from banks, the state encourages, supports and guides the development of individual economy. Therefore, it is not impossible to apply for a loan, as long as it meets the conditions. Individual operators can apply for loans by opening accounts in banks or other financial institutions with their business licenses and tax registration certificates. Individual operators may apply to the industrial and commercial office where the business premises are located. Vendors without fixed business premises shall apply to the residence registration authority. What are the requirements? 1, 18-60 years old, with full capacity for civil conduct, 2. Have a local household registration or valid residence certificate. 3. Have a fixed business place or address, and have legal, stable and sufficient business income as the first repayment source. 4. Can provide legal, sufficient and easy to realize mortgage (pledge). 5. Personal credit record is good, and there is no serious overdue credit record. 6. Open a deposit account in a loan bank. 7. Other conditions required by the lending institution. About "Can a self-employed person get a loan? What conditions are needed? " That's it. I hope I can help you.

3. Can a self-employed person get a loan in Guangzhou?

Yes, you can apply for an individual industrial and commercial loan of 1, and the conditions that the individual industrial and commercial loan borrower should meet (1) are full of civil capacity and have a local account; (2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source; (3) Being able to provide legal, sufficient and easy-to-realize collateral; (4) Opening a deposit account in a bank. 2. Provide information (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank. Because everyone's situation is different, I suggest that you'd better submit a free application for qualification evaluation through a professional loan service platform, so that the platform can help you evaluate how much you can borrow, how to borrow, how much the specific interest is, what institution to borrow, and recommend it to a lending institution if conditions are right. Http://goo.gl/qoxeb, If you have any questions, please feel free to contact me through the contact information or user name in the reference materials ~ or you can find me by searching all small loans.

4. Can self-employed people get loans in Guangzhou?

Hello, self-employed, it is easy to encounter difficult situations in the course of business, so we also need loans. But many self-employed people know that they are different from employees and don't know how to borrow money. Here, I would like to introduce to you which loans are more suitable for self-employed.

I. Mortgage loan

For self-employed individuals who can provide collateral, mortgage loan is the most reliable. It is understood that with collateral, not only the loan is easy to pass the examination and approval, but also the loan amount is high, the term is long and the interest rate is low, but the borrower must also have a good credit record and the ability to repay the loan principal and interest in full and on time.

Second, credit loans.

Don't think that credit loans are only for wage earners. Self-employed individuals can also apply for credit loans, but they must have a business license, a good bank and a good credit. If one of them does not meet the standard, the loan may be rejected.

Third, secured loans.

If a self-employed person who needs a loan is refused a loan by a bank because of unstable income or no collateral, he can also find a formal guarantee company as a guarantee to apply for a loan. However, although it is easy to get a loan in this way, the borrower needs to pay an extra guarantee fee, so the repayment pressure is relatively high.

Credit loan information

1. Provide personal identification such as ID card;

2. Provide stable proof of address, house lease contract, water and electricity bill, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

4. Personal credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, forming a verification mechanism of personal credit information;

5. The attachment can be a copy of the real estate license or a copy of the driving license, and the approval amount can be increased.