There is a company, what are the procedures for loan turnover?

Hello, it is generally required to have a business license for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months.

Application conditions

1. China citizens with full capacity for civil conduct (excluding Hong Kong, Macao and Taiwan residents), including individual industrial and commercial households, major partners or major natural person shareholders of sole proprietorship/partnership/limited liability companies, etc.

2./kloc-over 0/8 years old and under 60 years old, with a fixed residence, permanent residence or valid residence certificate within the jurisdiction of the branch;

3. The borrower and its business entity have good credit and stable operation;

4. Other conditions stipulated by relevant banks.

Application material

1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;

2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;

3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in business units, rental income, deposits in ICBC or other banks in the last six months, national bonds, funds and other general financial assets certificates. ;

4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;

5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.

6. If the loan is secured, relevant information of the guarantor shall be provided;

7. Other information required by the bank.

Application process

1. The borrower shall fully prepare the above information and submit it to the lending institution;

2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The borrower repays the loan according to the contract.