Hello, at present, our bank has launched the business loan business for the purpose of business. I provide relevant information for your reference. It is necessary to submit personal information to the local counter personal loan department, and handle the business after reviewing the personal information through the handling bank.
Conditions that the borrower needs to meet:
1. It meets the basic requirements of our retail loan customers.
2. Do not accept loans for small and micro enterprises applied by foreigners and people from Hong Kong, Macao and Taiwan.
3 small and micro enterprise mortgage loans, the borrower or the actual controller of the borrowing enterprise should have more than 2 years of continuous business experience in the industry corresponding to the purpose of the loan; For unsecured 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 of continuous business experience in the industry corresponding to the purpose of the loan.
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 a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise.
For farmers, fishermen and other 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, and operators who set up private extracurricular counseling 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 loan of small and micro enterprises, the actual controller of the borrowing enterprise provides 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 (i.e. family net assets).
8. The actual controller of the borrower or the borrowing enterprise shall not be on the list of sanctions or supervision.
At present, our bank has not offered personal business loans. If your company has been established and you want to apply for SME loans, I suggest you dial 95555-2 Labor Service -2 Corporate Business-1 RMB for settlement (service time is 8: 30- 19: 00 on weekdays) to enter the labor service, so that we can know more about your company and try our best to answer your questions in detail.
Commercial loan application method: You need to submit personal information to the local counter personal loan department, and apply for business through the handling bank after reviewing the personal information.
Detailed loan information can be confirmed when you apply through the handling bank.
Second, what are the requirements for personal online loans?
Hello, this depends on the running water in your pharmacy.
Understand the necessity of financial loans
Loan application conditions:
1
2. The pharmacy is running smoothly.
3. Individuals
4. Good credit information
5, pharmacy housing lease contract
6. Franchisees should show their participation.
3. What conditions do franchisees need to apply for loans?
I'm here to read the comments.