What are the application conditions of Jinzhou Bank Guarantee Company's secured loan? Satisfy these!

At present, many people are facing the problem of funds. No matter individuals or enterprises, there are not many people who can really borrow money from banks, financial institutions and loan companies, because of their own qualifications or financial problems, they can not meet the requirements. For example, some banks require borrowers to have qualified collateral under their names. If not, they can obtain loans through guarantee companies. Jinzhou Bank has such products. Today, let's take a look.

1. Introduction of Guarantee Loan of Jinzhou Bank Guarantee Company

This product is suitable for small enterprises with good development prospects and regular operation. If there is no valid guarantee in their name, you can try to handle this product.

The maximum loan amount is 5 million yuan, which can meet the needs of most users. The loan term does not exceed 12 months, and the bank will push the appropriate term according to the specific situation of the enterprise. Need to pay a certain margin, the proportion is not less than 20%, using the entrusted payment method.

Two, Jinzhou bank guarantee company guarantee loan application conditions

(1) It has sufficient repayment ability, and both borrowers and enterprises must have good credit information and no major bad records.

(2) If the production and operation time of the business entity exceeds 1 year (inclusive), the industrial and commercial department shall handle the annual inspection procedures of the business license of the unit.

(3) Open a basic settlement account in Jinzhou Bank.

(4) The borrower's industry belongs to the industry encouraged by the state and has good development prospects.

Three, Jinzhou bank guarantee company secured loan application materials

Before applying for a loan, you'd better go to the bank to consult the staff and ask about the specific application conditions. At least, you should prepare credit report, personal data, loan use certificate, income certificate, half-year bank flow, guarantee company materials and so on.