Users who are familiar with the loan business need a business license to enter the business process and urge major banks to carry out business loans. Let's talk about the conditions for a business license loan first.
1. The business license must be legally obtained for more than one year, or the actual operation can be more than one year.
2. The business license loan requires the applicant to have an account at the place where the loan bank is located, and the company legal person 18 years old or above, with civil capacity.
3. In addition, households with business license loans.
4. The applicant has a certain source of repayment in the place where the account is located, and the monthly operating income must be higher than the monthly repayment amount.
What are the requirements for introducing the above? I believe that everyone has some understanding through the above, and I hope it will be useful to everyone.
2. Can I get a loan for my new business license?
Generally, the new business license cannot be used for loans. You can't apply for a loan until your business license has expired for 2 years. In addition to the business license, the applicant also needs to provide personal ID card and bank account.
Generally, it needs more than 2 years or 3 years of continuous operation experience. Conditions that the borrower needs to meet:
1, which meets the basic requirements of retail loan customers.
2. Small and micro enterprise loan business applied by foreigners and people from Hong Kong, Macao and Taiwan will not be accepted.
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).
Three. 202 1 new policy of business license loan?
For 202 1 customers who need loans, we divide them into the following scenarios:
1, existing enterprises and real estate are used as collateral to supplement the cash flow of enterprises;
2. The interest on the mortgaged house is relatively high, and I want to replace the customer base;
I want to improve my living environment, but I don't have enough money to give my clients.
In any of the above scenarios, choosing the right banking products may save 30% of the bank interest rate. The latest bank loan interest rate is 202 1, please refer to:
2021March 30th, Bank of Beijing preferential policies
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After reading this, many fans still don't understand. How can you simply choose a specific product?
Then we'll tell you 202 1 the simplest product:
1, the enterprise needs 6 months (both registration and acquisition are required)
2. Real estate (newly bought second-hand house has been transferred for 3 months)
3. Credit information: The credit information of husband and wife borrowers and enterprises is good, and there is no lawsuit or punishment.
4. Income: Personal income Enterprise income can cover twice the loan amount.
Loan strategy: why was it rejected? A little secret hidden in the running water of the bank
5. Liabilities: personal credit loans and credit card real estate loans cannot exceed 70% of total assets. To put it bluntly, your assets are 6,543,800,000 yuan, and your total credit liabilities are no more than 7,000,000 yuan.
After meeting the above conditions, we will choose banking products for you:
① Operating loan: the annual interest rate is 3.5%~3.85%, and the amount is100000. When the enterprise is established 1 year or more, the running water can cover 2 times (new transfer can be handled).
② Operating loan: annual interest rate: 4.5%, with a maximum of 65,438+00 years, with interest first and capital later, and running water covering the monthly payment.
③ Operating loan: annual interest rate: 3.85%-5.25%, with a quota of 30 million yuan. It can be used for business offices, shops, luxury houses and real estate under the company's name, with equal principal and interest for 20 years and a room age of 40 years.
(4) Operating loan: the annual interest rate is 5.5%~7%, and the maximum for real operation is 8.5%, and the approval is extremely fast. The property with the longest operating life is 15 years.
⑤ Operating loan: the interest of one loan for two years is 4. 15%. If the real estate enterprise lasts for more than 3 months, the loan amount is 100000, and the longest loan is10 year, which can be repaid in 30 months.
⑥ Enterprise credit: The annual interest rate is 4.25%-6.5%, the amount is1-50,000, and all kinds of enterprises with tax grade B/ Zhongguancun/Hi-tech can give priority to interest payment.
⑦ Quick loan: 0.625% monthly interest, new? Shareholders' residence in the Fifth Ring Road, with a quota of 6,543,800,000 yuan, with interest paid first and principal repaid later, with a maximum of 3 years.
We have selected 7 efficient products from 30 banking products for you.
There are differences in processing time, interest rate and customer base, which can meet most customers who need financing loans. Some fans asked: How to quickly choose the best banking product for you?
This requires the following conditions:
1, investigation of its own conditions (including real estate, credit, tap water and company)
2 understanding of bank products (including interest rate, percentage, repayment method, loan term, stability, etc.). )
3. By combing your own conditions and needs, with the help of professional consultants, you can meet the application conditions of the bank.
Instead of saying, 3.5% annual interest rate is ok?
The question should be: check your own conditions correctly and then see what kind of bank loan you can apply for? Don't delay the best financing opportunity because of your lack of conditions.
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We believe that as long as your credit information is not particularly bad, all the above banking products can be satisfied. 202 1 with the passage of time, the bank's loan policy for small and micro enterprises will continue to tighten and the threshold will continue to increase. If you want to save financing costs, from the latest policy:
The operating loan of 202 1 will continue to receive all-round support from the policy, which is a very good opportunity to cut in. Whether it is replacing loan products or financing small and micro enterprises, we need to actively plan and prepare, so that the saved money can be used for business operations, enhance corporate profits and achieve high-quality growth and development.
For customers who buy new properties, I suggest that you not only need a professional property consultant, but also find a professional financial consultant before buying a house, first understand the latest bank loan policy, and then do what you can according to your own conditions? ..
4. Can the business license of individual industrial and commercial households be loaned? What is the specific procedure?
I can't. Taxi owners can