The business license of individual industrial and commercial households can be used for loans and must meet the following conditions: 1. Individual business license loans need to be operated for more than one year, which need to be audited by the industrial and commercial department; 2. China citizens who have reached the age of 18 and have full capacity for civil conduct have permanent residence; 3. The borrower must have enough repayment ability to provide the bank with running water for nearly half a year. Let's find out through Bianxiao Law Express.
1. How do self-employed individuals borrow business licenses?
When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan. Self-employed business license loans have strong pertinence and flexible repayment methods. Strong pertinence: tailor-made for individual industrial and commercial households, and meet the capital needs of individual industrial and commercial households in many aspects. Flexible repayment method: the maximum loan balance management is implemented, and different repayment methods can be selected.
Application process:
1. The borrower shall fully prepare the above information and submit it to the lending institution;
2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;
3. After investigation, both parties signed a loan agreement;
4. After the agreement is signed, the lending institution issues loans;
5. The borrower repays the loan according to the contract.
How to get a loan with a business license?
A better loan platform with business license;
Business license loans can be applied not only in banks or finance companies, but also online. At present, there are many business license loans on the Internet, including: point-financing grain loans, small loans of Agricultural Bank of China, small and micro enterprise loans of Weizhong Bank, Zhihu of China Construction Bank, Xindu and so on.
Among them, Agricultural Bank Micro-loan is a business license loan business launched by Agricultural Bank of China. As long as it is provided for small and micro enterprises, borrowers can apply through online banking and mobile banking. At present, the maximum loan amount of agricultural bank of China Weijie loan is 654.38+0 million, and the loan period is 654.38+0.2 months. You can refer to it
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first.
My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).
Ping An Xin Yi Dai Click Online Measurement
How to apply for business license in online loan
You can get a loan with a business license, but you must also meet the conditions of the loan and bring the rest of the relevant information. You must prepare the tax registration certificate, the ID card of the legal person and their spouses, the marriage certificate, the household registration book, the lease contract of the business premises, and the product certificate of the goods sold before you can apply for a loan. Of course, not every bank is the same. It is recommended to consult relevant banking departments.
The application steps of business license loan are as follows:
First, apply to the bank and submit a complete loan procedure. In addition to providing the original and photocopy of the business license, the borrower should also prepare these materials: the original and photocopy of the identity card of the enterprise legal person or individual merchant, the annual report of the enterprise in the past three years or the store it has operated, and the enterprise bill in the past six months.
Two, the bank audit application materials, the borrower in the loan adjustment before the key check. This step mainly depends on the specific economic situation of the operator to predict the repayment ability of the lender.
III. The borrower and the borrower sign a loan contract.
4. Lending institutions issue loans.
Five, the borrower in accordance with the contract agreed to repay the loan principal and interest in full and on time.
Legal basis: trapped potatoes
Article 20 Individual industrial and commercial households may, with their business licenses and tax registration certificates, open accounts in banks or other financial institutions according to law and apply for loans. Financial institutions should improve and perfect financial services to facilitate individual industrial and commercial households to apply for loans.
Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
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How to apply for a loan for a business license
1. The loan applicant must have a fixed office and have a local business license for one year;
2. Bring personal identity card information, raw materials and the profit form of the enterprise in recent years to the bank for a clear application;
3. Waiting for the test and audit results of the bank;
4. Sign a contract with the bank, and the bank will issue loans according to the contract.
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 of Market Supervision.
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. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred.
Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.
20 1 On September 28th, 2008, the first batch of 1 1 business licenses and1industrial product production licenses were born in G60 Science and Technology Corridor in the Yangtze River Delta. On March 1 2009, a new version of the business license was launched nationwide. On April 65438, 2065438, the Beijing Municipal Market Supervision Bureau and other six departments issued the Notice on Improving the Efficiency of Enterprise Start-up, which showed that the applicant handled business through the "electronic window" platform, and the market supervision department approved it within 1 day, and issued an electronic business license to the enterprise. Other matters are completed in parallel within 24 hours, and the enterprise can reach the operating conditions in 2-3 days.