Only the business license is not allowed to borrow money from Ping An Bank. If individuals want to apply for operating loans in Ping An Bank, they also need to meet the following conditions:
1, over 23 years old, with independent civil capacity, providing personal second-generation ID card;
2. Provide documents that can prove personal economic strength and repayment ability, such as bank running water, real estate, vehicles and deposits;
3. The store is in good operating condition;
4. Personal credit information is good and there is no bad credit record.
2. Ping An Bank has a business license for personal loans. Can banks still lend a month ago?
If you want to make a corporate loan, your business license must be more than two years. Of course, if you have a life insurance contract, you can also make a policy loan with high approval rate and low interest.
3. Ping An Bank has a business license for personal loans. Can banks still lend a month ago?
No, you can't apply for a company loan unless your name has been established for more than half a year.
4. How to apply for Ping An Bank loan with industrial and commercial business license?
1, personal business license loan
It is understood that self-employed individuals can't get loans only with their business licenses. In the process of applying for a loan, self-employed individuals need to provide a business license. If applying, they need to provide a bank account for more than half a year and the identity certificate of the applicant to the lending institution. At the same time, the applicant and the applicant enterprise have good credit and sufficient repayment ability. If the borrower applies for a mortgage loan, it also needs to provide relevant certificates of collateral.
2, SME business license loans
Generally speaking, banks mainly examine the credit of small and medium-sized enterprises to make loans. The first thing to examine is settlement credit and loan credit, as well as commercial credit, financial credit and tax credit. Only after investigating the above-mentioned credit problems can the enterprise be considered qualified for loans. Enterprises with the above qualifications shall submit the following materials as required by 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, articles of association, capital verification report, introduction of legal representative, corporate loan ID card, legal representative identity certificate issued by the company and other materials required by the bank. After that, it can be submitted to the bank for review, and the bank can make a loan after review.
Conditions for applying for a business license loan:
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, can provide legal, full and easy to realize the mortgage (pledge);
4. Open a deposit account in a loan bank.
Business license is a necessary item to apply for a loan, but a separate business license cannot be used for a loan. Because the approval of bank loans is relatively strict at present, if it is carried out in a commercial bank, it also needs a running account for at least half a year, and it has good enough business conditions to prove repayment ability. At the same time, you can apply for a loan after meeting other conditions required by the loan bank.