The business license of individual industrial and commercial households can be used for loans and must meet the following conditions: 1. Individual business license loans need to be operated for more than one year, which need to be audited by the industrial and commercial department; 2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence; 3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year. Let's find out through Bianxiao Law Express.
I. How do self-employed individuals borrow business licenses?
When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.
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.
What are the conditions for ICBC to handle corporate loans?
1. What are the conditions for ICBC to apply for loans to small and micro enterprises?
(1) To apply for a small and micro enterprise loan from ICBC in the name of the company, the basic conditions of the lender are:
1, which meets the basic conditions for ICBC to handle loans;
2. The credit rating of the lender is above Grade A;
3. Approved and registered by the industrial and commercial department, holding a loan card issued by the People's Bank of China (China logo code);
4. Open a basic account or general settlement account in China Industrial and Commercial Bank;
5. Other requirements of ICBC: tax payment certificate, enterprise running water, contract orders, water and electricity invoices, etc.
(2) Apply to ICBC for a small and micro enterprise loan in the name of an individual. The basic conditions of the lender are:
1. A natural person with full capacity for civil conduct, aged between 18 and 60, and having two or more * * * borrowers at the same lender, must meet the above age conditions. Except the spouse, the same lender must be the investor or shareholder of the same business entity or project;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate;
3. The lender has legal business qualifications, and can provide business licenses, business licenses, merchant business licenses, booth licenses or other legal and effective business qualifications for individual industrial and commercial households, partnerships and enterprise legal persons;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. It has a good repayment record and willingness to repay, and the lender and its business entities have no bad credit records in the Bank and other known financial institutions;
6. The credit rating in our bank is above Grade C (inclusive);
7. Other conditions required by China Industrial and Commercial Bank.
Two. Introduction of ICBC's loan process for small and micro enterprises;
1, submit the application materials.
Lenders apply for loans from ICBC, mainly submitting the materials needed for loans.
Step 2 sign a contract
If it is considered feasible after the approval of ICBC, the lender shall sign a loan contract, a guarantee contract and other legal documents with ICBC.
3. Implement safeguards
If a guarantee is required, after signing a loan contract with ICBC, the lender shall further implement the third-party guarantee, mortgage, pledge and other guarantee measures, go through the formalities of guarantee registration, notarization or mortgage insurance, and deposit the pledge with ICBC.
4. Loan acquisition
When the lender completes the relevant procedures before issuing the loan and the loan contract comes into effect, ICBC can issue the loan to the lender, and the lender can use the loan according to the purpose agreed in the contract.
5. Repayment
The loan enterprise repays the loan in the way agreed in the contract.
3. What are the loan application materials for small and micro enterprises of ICBC?
1, business license, organization code certificate, tax registration certificate, or business license (such as three certificates in one), and the latest annual inspection certificate is required;
2. Identification certificate of the legal representative;
3, approved by the finance department or accounting (auditing) firm for the first three years and the latest financial statements and audit reports (if the enterprise has been established for less than three years, provide the annual and recent statements since its establishment);
4. Company contract or articles of association;
5 members of the board of directors (shareholders' meeting), the main person in charge, the financial person in charge of the list and signature samples;
6. If an authorized customer is entrusted to handle the credit business, the power of attorney of the legal representative of the enterprise (original) shall be provided;
7. If the lender is a limited liability company, a joint stock limited company, a joint venture company or a contracting enterprise, it is required to provide a resolution, document or document with the same legal effect that the board of directors (shareholders' meeting) or the employer agrees to apply for credit business;
8. Relevant materials of the guarantor;
9. Other information required by China Industrial and Commercial Bank. (If you have any loan needs, please contact us through the lower right corner, and we will provide you with a bank loan suitable for your own loan scheme. )
What are the conditions for a business license loan?
Business license loans need to meet the following conditions:
1. The project to be operated needs to reach more than one year, and a business license audited by the industrial and commercial department is required.
2. The applicant is a China citizen with full capacity for civil conduct and a fixed residence.
3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year.
4. Applicants need to have a fixed business place and a stable income.
5. The borrower needs to have a good personal credit record.
6. Need to guarantee, mortgage or pledge.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
What are the conditions for a business license loan?
To apply for a personal business loan, you need to meet the following basic conditions:
1. Age is between 18 years old (inclusive) and 60 years old (exclusive);
2. It has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships and sole proprietorship enterprises.
3. Can provide effective loan guarantee;
4. Other conditions stipulated by the lending bank.
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;
6. It can provide legal, effective and reliable loan guarantee recognized by the lender;
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by China Industrial and Commercial Bank.
Personal business loan application materials
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.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
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So much for ICBC's loan terms.