1. Personal commercial housing loans Personal commercial housing loans are RMB loans issued by banks to borrowers for the purchase of various commercial and business buildings. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans. 2. Personal business property mortgage business property: refers to the property that has been completed and accepted for office, retail, shops, industrial production and other purposes through commercial operations such as leasing. 3. Personal short-term commercial loans Personal short-term commercial loans: RMB loans granted to borrowers for the flow of production and business activities. 4. Personal Medium-and Long-term Commercial Loans Personal Medium-and Long-term Commercial Loans: Renminbi loans granted to borrowers for medium-and long-term capital needs such as fixed assets investment, project renovation, business premises renovation and working capital. 5. Personal small equipment loan Personal small equipment loan: it is a RMB loan issued to borrowers for purchasing small equipment (including engineering vehicles and commercial vehicles). ) needed in production and business activities. Conditions for individual industrial and commercial households: (1) 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. Preparation 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. To sum up, there are four types of personal business loans, but no matter what type of business loans, they should be used for legitimate business activities. Generally speaking, lenders refer to institutions run by banks to help individuals obtain commercial loans.
What is a personal business loan? What conditions do you need to apply for a personal business loan?
Operating loans refer to RMB-guaranteed loans issued to individual borrowers for the funds needed for legitimate business activities. The loan applied by the borrower must be used for the legitimate business activities of the unit. Including individual industrial and commercial households, sole proprietorship investors, partnership partners, etc.
Apply for personal business loans should meet the following basic conditions:
1, age 18 years old and under 60 years old, has a fixed residence in the jurisdiction of the bank applying for, and has a permanent residence or valid residence certificate.
2. The borrower and its business entity have no record of non-performing loans in the applicant bank and other financial institutions, including but not limited to:
(1) There is no overdue loan at the time of loan application;
(2) There is no security deposit or guarantor compensation;
(3) It has not entered the blacklist of the CBRC.
3, in addition to commercial housing decoration purposes, other purposes of personal business loans must also meet the following access conditions:
(1) The registered place or business place of the business entity (including branches) is within the jurisdiction authorized by the applicant bank;
(2) The borrower (or spouse) is the actual owner of the business entity;
(three) approved by the administrative department for Industry and commerce at or above the county level, and passed the annual inspection;
(four) the ownership of the business entity is clear, there is a fixed business place, and the internal management is standardized;
(5) The business entity has been established and operated normally for more than 1 year (inclusive), and has made a profit of 1 year, paid taxes in good faith, and has no tax evasion and bad credit records. If the borrower has rich industry experience and good credit standing, the applicant bank may formulate detailed rules to moderately relax the access restrictions of the borrower's business years, but at least it is required to set up a business entity.
(six) the labor management system conforms to the provisions of the state;
(7) The products operated or produced by the borrower are marketable, profitable and have good business prospects;
(8) The cash flow of the operating entity is stable, and the borrower has the stable ability to repay the loan principal and interest in full and on time;
(nine) the application of individual business loan funds for the operation of business entities;
(10) It can provide legal and effective pledge, mortgage or other guarantees recognized by the bank;
(1 1) Open an individual settlement account or a company account of an individual industrial and commercial household or business entity in the applicant bank or other banks.
4. Other conditions stipulated by the bank.
What is the personal loan business of China Bank?
Personal business loan of China Bank refers to the loan granted to natural persons to solve their normal capital needs in the process of production and operation in line with the principle of supporting the development of entities. Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for applying for a personal business loan from China Bank?
Conditions for handling personal business loans of China Bank:
1. The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct, including Hong Kong, Macao and Taiwan citizens, with good credit status and willingness and ability to repay, and complies with the Interim Measures for the Administration of Personal Loans and other laws, regulations and regulatory provisions;
2. The borrower is not less than 18 years old and not more than 65 years old;
3. The borrower meets the relevant regulations of Bank of China on anti-sanctions and compliance;
4. The borrower opens a settlement account in China Bank;
5. The borrower has a legal business entity and can provide relevant business licenses and business licenses.
The above contents are for your reference. Please refer to the actual business regulations.
What if the personal business loan hasn't arrived yet?
If the personal business loan is not repaid, the user can take the initiative to communicate with the bank, apply for grace repayment or extend the loan term to reduce the monthly payment. If the loan is not repaid, it will be considered overdue. Once overdue, it will be recorded by the system and reported to the credit bureau, which will affect the applicant's personal reputation and future credit card and loan-related business.
If your personal business loan fails to repay the principal and interest of the bank on time due to poor management, and fails to repay it on time for two consecutive periods, you will receive overdue dunning calls and notices from the bank, and if it is overdue for more than three consecutive periods, you will receive a lawyer's letter from the bank. If the debtor can't repay the bank's principal and interest due to poor management, the bank will take the form of litigation preservation, apply for freezing your collateral, auction the collateral, and repay the bank's principal and interest and related expenses. I suggest you find a way to repay as soon as possible, otherwise your personal credit record will be damaged, and even you will bear a greater financial burden.
Personal business loans refer to loans issued by banks to borrowers for legal production and business activities such as relocation, purchase or renewal of business equipment, payment of rent for leased business premises, and decoration of commercial houses. The process includes consulting, submitting materials, signing contracts, granting loans according to procedures after review, returning loans, and canceling mortgages after liquidation. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate.
At present, the personal business loans of domestic banks have the following characteristics: the loan amount is high, for example, the maximum loan amount of personal business loans of China Merchants Bank can reach 30 million; China Industrial and Commercial Bank is 6,543,800 yuan; The loan term is long, with the longest general credit 10 year and the longest single loan of 5 years; Only when there are many ways of guarantee, can we adopt flexible and diverse ways such as pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market manager guarantee, joint guarantee, mutual guarantee and combination guarantee. With the function of revolving loan, this kind of loan can be applied for once, recycled and repaid with the loan, which is convenient and fast.
Detailed explanation of personal business loan
Commercial loans are financing products that serve small and medium-sized business owners or individual industrial and commercial households. Borrowers can obtain bank loans through real estate mortgage and other guarantee methods, and the loan funds are used for the business needs of their enterprises or individual industrial and commercial households.
Personal business loan refers to the loan that the borrower applies to the bank for flowing, purchasing or updating business equipment, paying the rent of leased business premises, decorating commercial housing and other legal production and business activities.
Borrowers applying for personal investment and operation loans must meet the following conditions in addition to the basic conditions such as marketable products, profitable operation and guaranteed repayment:
1, with urban permanent residence or valid residence status;
2. No bad social credit record and good credit; 3. Open a general deposit account in a loan bank;
3. The product has good market prospects and economic benefits;
4. Good operating and financial conditions;
5. It can provide effective guarantee recognized by the lender;
6. Other conditions stipulated by the lender.
Personal business loan application procedures:
1. Submit loan application and application materials;
2. Waiting for the qualification evaluation of the lending institution;
3. Waiting for the risk assessment of the lending institution;
4. Get a loan after passing the risk assessment.
Apply for personal business loans need to pay attention to the following points:
1, loan purpose, the personal business loan applied by the borrower must be used for business, such as purchasing raw materials and paying for goods. And the borrower must provide the real purchase and sale contract and invoice to the bank;
2. The borrower must be a real self-employed person or company;
3. The mortgage rate of such loans is generally 60%~70%. If the collateral provided by the borrower is a villa, the mortgage rate may be as low as 40%~50%, that is, the customer can borrow up to 700 thousand;
4. The expected annualized interest rate of such loans is generally between 20% and 30% higher than the benchmark, and the borrower needs to re-apply according to his actual situation.