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.
Two. Construction Bank business license loan conditions
The conditions for CCB to use the business license loan are: the borrower 18 years old, and the maximum is 60 years old; Having actual business premises, industrial and commercial business license and tax registration certificate, etc. ; The borrower's credit information is good or the enterprise's credit information is good, and there is no bad credit record; The business premises are operating normally for at least 1 year; Guarantee, mortgage, etc. Approved by CCB.
In addition, to apply for different types of loans, banks may require different conditions. Please refer to the regulations of bank outlets for details.
Third, the self-employed loan conditions
Self-employed loan conditions: (1) with full capacity for civil conduct and local household registration; (2) Having a fixed business place or address, 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) Open a deposit account in a loan bank. (5) No bad credit record.