2. Credit loans usually refer to unsecured loans, that is, loans can be selected by credit information such as ID cards, but the requirements of credit loans are generally higher than those of mortgage loans, and the interest is also high.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
1. loan application conditions
First, if the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;
Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;
Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees;
Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.
2. Application materials
Application for credit business;
Basic information of the borrower, qualification documents, loan certificate (card), power of attorney, etc. ;
Financial statements and reports audited or approved by the competent authority in the last three years and the latest issue;
Resolutions of the board of directors and relevant approvals from the borrower's superior unit;
Project proposal, feasibility study report and approval documents of the competent department;
Description of payment plan and repayment source;
Commercial contracts related to loan purposes;
Other information required by the bank.
3. Loan information
1) Provide personal identification such as ID card.
2) Provide stable proof of address, house lease contract, water and electricity bill, property management and other relevant certificates.
3) Provide stable proof of income source, bank running list and labor contract.
4) Personal credit report is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
5) The attachment can be a copy of the real estate license or the driving license, and the approval amount can be increased.