Industrial and commercial households only have business licenses and generally cannot apply for loans. Before applying for a bank loan, the applicant must also have a tax registration certificate, an identity card of the legal person and his or her spouse, a marriage certificate, a household registration book, a business premises lease contract, and a product certificate of the goods sold. The specific loan amount depends on which loan method is adopted. If you choose a mortgage loan, the specific loan amount can reach about 60% to 70% of the assessed price of the collateral.
How much can I borrow from a business license loan?
At present, there are two kinds of loans that need to apply for business licenses, one is personal business loans, and the other is small and micro enterprise loans.
1. Personal business loan: mainly used to meet the needs of borrowers in the process of investment and operation. The starting point of the loan amount is 30,000 yuan, the highest is 3 million yuan, and the longest loan period is 5 years.
2. Small and micro enterprise loans: Taking Minsheng Bank Commercial Loan Link as an example, it mainly provides quick financing funds to small and medium-sized enterprise owners, individual industrial and commercial households and other commercial merchants, with a maximum loan amount of 3 million yuan and a loan period of 1 year.
2. Can I get a loan for my business license?
cannot
3. Can I get a loan for my business license?
Of course. Look at the relevant introduction and go to the bank for consultation. For individual industrial and commercial loans 1, the borrower should have full capacity for civil conduct and local household registration (1); (2) Having a fixed business place or address in Luzhou, 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. 2. Provide information (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. 3. Loan Term: The time for a single working capital loan shall not exceed one year. 4. The loan interest rate rises according to the loan interest rate stipulated by the People's Bank of China, and the interest is paid monthly, and the interest is paid off with the principal. Edit credit rating and credit line approval (accepting applications → investigating → reviewing/deliberating → approving) → signing contracts, issuing loan certificates → issuing loans.
4. Can I get a loan for my business license?
1, the business license can be used for loans, but only the business license cannot be used for loans, and the corresponding conditions need to be met: (1) The project has been operating for more than one year and has a business license; (2) The applicant 18 years old and has a permanent residence; (3) Providing guarantee, mortgage or pledge, etc.
2. The business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect.