Generally, the business license is required for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months. At the same time, the borrower's credit status should be good. If the borrower's credit status is bad, he can't apply for a bank loan. The specific loan conditions are: (1) with full capacity for civil conduct and local household registration; (2) Having a fixed business place or address in the local area, 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. Loan materials: (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank.
Second, how long does it take to get a loan with a business license?
If your business license belongs to individual industrial and commercial households, you can't borrow money. Re-apply for a loan for three months. If it is a partnership, company or other enterprise's business license, you can go to the industrial and commercial bureau to change the person in charge (legal representative), and you can still borrow money after the change.
Three. How long can I apply for a loan with a business license?
Under normal circumstances, you need a business license for more than one year to get a loan, and you need to decide whether you can get a loan according to the borrower's credit situation. The borrower who applies for a loan should have the basic conditions such as marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit. Moreover, in the past six months, there must be public and private flows. Self-employed people can have no public tap water, and industries such as steel trade hardly need mortgage; Or you can get a loan if you have a house and a car. The credit of the applicant and the credit of the applicant enterprise must also be good. And the relevant certificates or vouchers of the mortgaged items. If you are a small and medium-sized enterprise, when you apply for a loan, the bank will conduct a credit investigation on your enterprise, including settlement credit and loan credit, as well as commercial credit, financial credit and tax credit. After investigating the above credit problems and meeting the requirements of the bank, you can formally enter the bank loan process. First of all, you need to provide the following information to the bank: loan application, company profile, copy of company business license, enterprise code certificate, tax registration certificate, special industry production and operation license, qualification certificate, company articles of association, capital verification report, legal representative profile, legal person loan ID card, legal representative identity certificate issued by the company and other information needed by the bank. After the information is complete, you can wait for the approval of the bank. After the approval of the bank is successful, the loan can be started. Legal basis: Article 17 of the General Principles of Loans stipulates that the borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce. The borrower who applies for a loan should have the basic conditions such as marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit.
4. How long can I apply for a loan after obtaining a business license?
The above can only be used for loans, and you also need to withdraw money according to loans. Borrowers apply for loans to make profits, do not occupy or misappropriate credit funds, and abide by basic conditions such as credit. Moreover, in the past six months, there must be public and private flows. Self-employed people can have no public tap water, and industries such as steel trade hardly need mortgage; Loan. The credit of the applicant and the credit of the applicant enterprise must also be good. And the relevant certificates or vouchers of the mortgaged items.
If you are a small and medium-sized enterprise, you should conduct a credit survey when you apply for a loan. The contents of the survey are all used, as well as commercial credit and financial credit. After the problem meets the requirements of the bank, you can formally enter the bank loan process.
First of all, you need to provide the following information to the bank: loan application, company profile, copy of company business license, enterprise code certificate, tax registration certificate, production and operation license for special industries, qualification certificate, company articles of association, capital verification report, introduction of legal representative, corporate loan ID card, and materials required by statutory banks issued by the company. After the information is complete, you can wait for the approval of the bank. After the approval of the bank is successful, the loan can be started.
Legal basis:
According to Article 17 of the General Rules for Loans,
The borrower shall be an enterprise (institution) legal person approved and registered by the administrative department for industry and commerce (or the competent authority), and a natural person with full civil capacity in other economic groups with China nationality. The borrower has the basic conditions such as profitable production and operation, no misappropriation of credit funds, and abiding by credit.