What are the methods of borrowing by self-employed individuals in Qingyuan City, Guangdong Province? Look at these.

There are many self-employed people in Qingyuan City, Guangdong Province, and it takes a lot of money to do business. In the case of insufficient funds, they can only rely on loans to raise funds. If you want a quick loan, you'd better find the right way. Then, what are the ways for self-employed individuals in Qingyuan City, Guangdong Province to borrow money? Let's have a look.

In fact, there are many ways for self-employed loans in Qingyuan City, Guangdong Province, such as finding loans from banks or finance companies. However, considering the interest and cost, most self-employed individuals will choose bank loans, and there is no way to say that low interest on bank loans is an advantage. Moreover, bank loans must have local outlets. After all, the obligations of each branch are independent.

There are many banks in Qingyuan, Guangdong, including Agricultural Bank and Industrial and Commercial Bank of China. Here is a brief introduction to the personal loan products of these two banks.

1, Industrial and Commercial Bank of China-Operating Loan

ICBC's operating loans are loans issued by small and medium-sized business owners and self-employed individuals for customers' production and operation, with a maximum amount of 3 million, the longest loan period of 3 years, one application, and recycling within the validity period.

All local self-employed individuals with legal business qualifications in Qingyuan City who have reached the age of 18~60 can apply, and they need to provide valid business licenses for individual industrial and commercial households and information stipulated by the bank. If effective loan guarantee can be provided, it will be helpful for loan approval. For specific information and requirements, it is recommended to call the local ICBC branch for clarification.

2. Agricultural Bank-Personal Employment Loan

Guaranteed commercial loan products issued by Agricultural Bank of China. Individual industrial and commercial operators can apply if they meet the requirements, with a maximum amount of100000 and a maximum period of 5 years.

Self-employed persons are required to be at least 18~65 years old, have a fixed residence in Qingyuan, have the ability to operate for more than 2 years, can provide legal and effective production and operation certificates, have stable operating income, have the ability to repay loans, and provide effective and sufficient guarantees. Different branches may have different requirements, so it is best to consult clearly before lending.