Conditions for handling personal business loans:
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.
Due to the differences in business in individual regions, please consult the acceptance outlets or transfer to manual service for details.
The above contents are for your reference. Please refer to the actual business regulations.
What materials should China Bank prepare for personal business loan?
Materials for handling personal business loans of China Bank:
1, loan application;
2. Valid identification;
3. Business certificate and loan use certificate;
4. The ownership of the mortgaged (pledged) property and the appraisal documents, the identity of the guarantor and the proof of the guarantee ability and other guarantee materials;
5. Other materials required by the lender.
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.
Excuse me, what is the application process of personal business loan of China Bank?
China Bank Personal Commercial Loan Application Process:
The account managers of branches of China Bank accept customer applications, implement the loan interview system, determine the true identity of customers and collect customer information. As there are differences in business in individual regions, please consult the branch of China Bank for details.
What are the conditions for operating a loan? Just look at it.
Nowadays, bank loans have become very popular. This is because people will inevitably encounter some situations that require loans. Therefore, banks have launched different loan types and products according to different situations, and operating loans are one of them. So, what are the conditions for operating a loan? Let's take a look together.
What are the conditions for operating a loan?
1. The applicant can be an individual customer, an enterprise legal person, an enterprise owner or any other organization that can act as a borrower as stipulated by the state.
2. The borrower should be at least 18 years old, have full capacity for civil conduct, and hold legal and valid identity documents.
3. The borrower has a good credit status, a stable source of income, and a good willingness and ability to repay.
4. Having a fixed residence and business premises in the local area, being able to provide local household registration or residence permit and business license, and operating normally at present.
5. It may be necessary to provide certain mortgage guarantee, such as real estate. Of course, there are also some commercial loans that are pure credit applications, such as ICBC's e-loan and ABC's e-loan.
6. Other conditions stipulated by the lending bank.
It is suggested to consult the loan bank in advance, prepare the information needed for loan operation, and then apply for submission, wait for the bank to investigate and review, and sign the loan contract. If there is a mortgage guarantee, you need to register the mortgage, issue the loan and repay the loan on time.
In addition, in addition to traditional banks can provide commercial loans, Internet banks can also provide commercial loans, such as online commercial loans of online merchant banks, and a commercial loan product of Ant Group and Alipay. You can apply for pure credit, which can be provided to small and micro operators in physical stores or e-commerce sellers such as Taobao Tmall. Industrial and commercial registration information and store sales need to be filled in the application, and the loan can be obtained in real time after approval.
The above is about "what conditions are needed for operating a loan". The specific situation of different lending banks is different, and the actual situation will prevail.