The loan conditions of self-employed, which bank can give loans to self-employed;
Many self-employed people start their own businesses as bosses, and when they encounter some jams more or less in the process of operation, they need to go to the bank for loans. The income of self-employed individuals is not very stable, so it will be more difficult to apply for general loans. Fortunately, many banks have self-employed loans. Let's see what they have.
I. Agricultural Bank-Personal Employment Loan
A secured loan product issued by the Agricultural Bank of China can be applied by individual industrial and commercial operators, sole proprietorship investors, partnership partners, small and micro enterprise owners, etc. , a single family can get a loan amount of 6,543,800 yuan, with a maximum term of 5 years.
Two. Industrial and Commercial Bank of China-Personal Commercial Loan
ICBC provides customers with RMB secured loans for business activities, with a maximum amount of 3 million yuan, which can be applied once and recycled for up to 3 years.
Three. Bank of Communications-Personal Commercial Loan
The RMB loan granted by Bank of Communications to individual industrial and commercial households or actual controllers of enterprises for the flow of production and business activities has a maximum credit line of 6,543,800,000 yuan, a short-term working capital loan term of no more than 654.38+0 years, and an individual medium-and long-term working capital loan term of no less than 654.38+0 years and no more than 5 years.
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How do self-employed people borrow money?
Self-employment loans are as follows:
1, mortgage loan
When self-employed individuals need loans, it is more appropriate to apply for personal business loans with collateral as collateral. Loans are granted to eligible applicants in one lump sum and recovered in stages, which is suitable for self-employed individuals who need one-time flow of funds. The conditions for applying for personal business loans require the applicant to be 18-60 years old, have a fixed residence or valid identity documents in the place where the loan is applied for, have full capacity for civil conduct, have a good personal credit record, have a stable income and have a good ability to repay the principal and interest. The most important thing is that the applicant needs to provide effective property as mortgage or pledge to borrow money;
2. Guaranteed loan
Self-employed individuals can also apply for secured loans if they can find a suitable guarantor (stable income, ability to repay the guarantor and good personal credit record) as a guarantee. Whether the secured loan application is successful or not is related to the individual and the guarantor.
3、
Individuals include those who apply to banks and credit cards. If the applicant needs a small amount, he can overdraw his credit card in advance or apply for an individual in a lending institution. There is a high demand for personal credit information. The applicant should provide the information needed by the bank as completely as possible in the application process to ensure the success of the loan application and increase the loan amount.
Can I get a loan for my individual business license?
The business license of individual industrial and commercial households can be loaned, but it must meet the following conditions:
1, personal business license loans need to be operated for more than one year and need to be reviewed by the industrial and commercial departments;
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 sufficient repayment ability to provide the bank with running water for nearly half a year;
4. Have a fixed business place and a stable income.
5. Good credit record. The loan processing flow of self-employed business license is as follows:
1. The borrower applies to the lending institution and submits the materials required for the loan.
2. The lending institution examines the application submitted by the borrower and conducts pre-loan investigation on the borrower. If there is collateral (pledge) as collateral (pledge). Find a professional appraisal agency to evaluate the value of the mortgaged property.
3. After the materials are approved, the two parties negotiate and reach an agreement on the loan, sign a loan contract, the borrower goes through the formalities of mortgage (pledge) registration, and the lending institution issues the loan after the formalities are completed. To apply for the establishment registration of individual industrial and commercial households in accordance with Article 5 of the Regulations of the People's Republic of China on the Administration of Company Registration, the following documents shall be submitted:
(a) the application for registration of the establishment of individual industrial and commercial households signed by the applicant;
(2) the identity certificate of the applicant;
(3) Proof of business place;
(4) Other documents required by national laws and regulations. Article 10 After receiving the application for registration submitted by the applicant, the registration authority shall accept it if the application materials are complete and conform to the statutory form. If there are errors in the application materials that can be corrected on the spot, the applicant shall be allowed to correct them on the spot. Article 11 When accepting an application for registration, the registration authority shall issue a notice of acceptance to the applicant.
How to borrow the business license of individual industrial and commercial households?
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.
I. 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 loans for individual business licenses?
Application conditions
Personal business loans are available to China citizens (excluding Hong Kong, Macao and Taiwan residents) who meet our personal business loan policy and have full civil capacity, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders. If the legal person is not the main partner, actual controller or shareholder of the enterprise, it does not meet the target requirements of the personal business loan method.
1, aged over 18 and under 60, having a fixed residence within the jurisdiction of the branch, permanent residence or valid residence certificate;
2. The borrower and its business entity have good credit and stable operation;
3. Other conditions stipulated by the relevant bank.
Processing flow:
1. The borrower applies for a loan from the bank and submits relevant materials.
2. With the approval of the bank, the borrower and the guarantor sign loan contracts and guarantee contracts with this institution.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the borrower's account.
4. The borrower repays the loan principal and interest on schedule.
5. After the loan is settled, go to the bank for withdrawal.
Extended data
Commercial characteristics
At present, the personal business loans of domestic banks have the following characteristics:
1, 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;
2. Long loan term: general credit can be up to 10 year, and a single loan can be up to 5 years;
3. There are many ways of guarantee: only pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market manager guarantee, joint guarantee, mutual guarantee and combination guarantee.
4. It has the function of revolving loan: this kind of loan can be applied for once and repaid with the loan, which is convenient and fast.