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First, as long as they meet the conditions, they are all good loans; Conditions for a company as a legal person to apply for a loan:
1, time limit, different enterprise legal persons applying for loans, whether individual industrial and commercial households or shareholders, can only apply after the company has been operating for one year.
2. To submit basic information, you need to submit the applicant's second-generation identity certificate and personal address certificate (including various daily expenses such as utilities and business entity certificates). The certificate must be legal, authentic and valid.
3. Submit business certificate and income certificate, business license certificate provided by relevant state institutions, and account operation information in the last six months.
4. Submit the real estate license, mainly the real estate license or purchase contract, purchase invoice and loan contract to prove that the personal residence meets the audit requirements at one time.
5. Credit history. If a legal person borrows money in the name of an individual, it cannot conduct corporate finance. Personal work certificate, income certificate, bank flow information in recent months, and whether personal credit has a bad record and whether the lender has a major violation record are needed. This is an important content that financial lending institutions should consider.
Second, the personal loan matters needing attention
1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.
Don't lose the loan contract and IOU. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.
Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.