What are the loan conditions of business license and how to get a business license loan?
Business license loan conditions are as follows:
Bank of China provides loans to natural persons with full capacity for civil conduct, including sole proprietorship enterprises. Incorporate the major/controlling individual shareholders and partners of limited liability companies, joint stock limited companies and partnership enterprises, all of which are natural persons, into the scope of individual investment and operation loan borrowers, and allow them to apply for loans from China Bank in their own names for the production and operation of the enterprises invested by the borrowers.
I. Application conditions
To apply for personal investment and business loans, in addition to the basic conditions such as product market, operating profit and repayment guarantee, the following conditions must also be met:
(a) with permanent residence in cities and towns or valid residence status;
(two) no bad social credit record, good credit;
(3) Opening a general deposit account in a loan bank;
(4) The product has a good market prospect and good economic benefits;
(5) It is in good operating and financial condition;
(6) Being able to provide effective guarantee recognized by the lender;
(7) Other conditions stipulated by the lender.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.
The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Ping An Xin Yi Dai Click Online Measurement
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Can I go directly to the bank for mortgage loan with my business license? Why do many people go through intermediaries?
Many people who don't know anything about loans take it for granted that applying for mortgage loans means that they don't mortgage their business licenses to banks. Actually, it's not.
In the process of loan review, business license is only one of many elements. With a business license, you can apply for a business loan, but whether it can be approved or not requires more information support.
For example, to apply for a loan with a business license, you need to provide a series of materials such as bank flow, purchase and sale contracts, purchase and sale details, and inventory list. These materials should be able to prove that the business entity behind the business license has a good revenue situation. After the bank loan is approved, it can be repaid normally.
In addition to these materials, the bank will also check the credit report to see the loan repayment records and credit status of borrowers and business entities, so as to judge the financial status and credit status of borrowers and business entities.
You can do it without collateral, and you may not be rejected. If the enterprise is in poor operating condition, financial condition and credit condition, the bank will not lend.
First, the lack of protection
Guarantee is divided into guarantee, mortgage and pledge. When many people apply for loans, they have no guarantor, no car or house as collateral, and no assets as collateral, so they can't apply for loans from banks, so they can only wait until the intermediary structure applies.
Intermediaries generally cooperate with banks, either to package customers or to guarantee customers. In short, after the intermediary agency recommends it to the bank, the customer's qualification will not be so bad, and the bank will be relatively easy to approve.
Those people or companies that lack guarantee mainly get enough guarantee through intermediaries and apply for loans from banks.
Second, information asymmetry.
Some people have always thought that the bank's loan threshold is relatively high, but with the development of bank-tax cooperation and big data risk control technology, the bank's requirements for guarantees are not so high. Many people can get loans by applying for mobile banking.
Not everyone knows this information, nor will they try to go to the bank, resulting in certain information asymmetry. It is the quickest and safest way for them to apply for a loan from an intermediary.
Summary:
Loans are not as difficult as most people think, but not everyone can get them. It has a whole process, and a group of people are controlling risks. It is difficult to muddle through, but if we can make some adjustments and avoid heavy ones, we may be able to lend more smoothly. This may also be the value of intermediary.
Can I go directly to the bank for a loan with my business license? Why do many people go through intermediaries? Let me answer you, because my friend has just experienced the loan experience and has a deep understanding.
First of all, let me answer you: with your business license alone, you are still a hundred thousand miles away from the loan. But the intermediary will publicize this, saying that as long as you have a business license, you can get a loan! But it's actually not that simple! This is purely an attractive propaganda!
This kind of false propaganda is just like that kind of real estate false advertisement, "one yuan buys one party"! You go and buy it. If you really buy it, the seller is a fool and the buyer is also a fool. In fact, there are many basic conditions in front of these advertisements, such as buying 100 square meters or more, adding one yuan and giving one square!
Just like an uncle went to a fly restaurant for dinner one day and didn't go in until he heard this sentence-come on, come on, rice and vegetable soup are free! As soon as I entered the store, I shouted, cooked a bowl of rice and asked for a vegetarian soup! The waiter said, we want to spend 100 yuan, and send dry rice and vegetarian soup for free! As a result, grandpa was kicked out by the waiter!
Next, the business license. What will you do with your office space with this? What about the running water of the company? What about paying taxes? What about personal credit reporting? ? These requirements are coming. If you don't meet the standard, just like the uncle who wants to eat for free, get out!
Then, I will answer you: since personal loans are difficult, many people are afraid of trouble, of course, they have to find an intermediary! Because, to be sure, the news of the intermediary is much better informed. After all, he specializes in this, and he can match you. But it should also be noted that some unscrupulous intermediaries can easily lead you into the ditch.
Of course, you are eager to borrow money, but you should be more careful of liars! Never give any money to the "intermediary" before the loan is successful! Hold this line of defense, maybe you won't be cheated! Also, you have to pack the fees and ask them clearly, or you will charge them step by step. Loan is difficult, not as easy as the intermediary said! You should be mentally prepared!
I am the loan manager in Hefei. It's really difficult to apply for a loan from a bank just by relying on a business license. If your enterprise pays taxes to the state normally every year, as long as it meets the requirements of the bank, it is no problem to collect credit, but it is not difficult. After all, banks still value assets. As an intermediary, they can do it according to which bank is suitable for individuals or enterprises, which one has low interest rates and what materials need to be prepared. If the credit information is flawed, the third-party intermediary can still have the opportunity to communicate with the bank, which can help individuals solve many problems and avoid many detours in terms of time cost and low interest cost. Although there is a service charge, it is normal and reasonable. After all, it solves many problems. Spend money to do things, worry less and don't run, just like a real estate agent.
None of them hit the point. It is difficult for individuals to give you a loan. Internal staff and external intermediaries, that is, independent individuals, work together to earn commission, which is generally 1-5% points. It's not their own money anyway. Think about it. Suppose a loan is 100 W, and the median value is 2%, there will be a commission of 20 thousand, and they are 50%
Hello, I'm glad to answer your question. I used to be a credit manager for 8 years.
In my experience, it is impossible to apply for a bank mortgage loan only with a business license. The premise of bank mortgage loan is to mortgage the property. Only business license, no real estate for a long time. In addition to the business license, you also need personal credit report, enterprise credit report (if any), personal one-year bank statement, financial statement, personal profile of legal person, upstream and downstream contract of enterprise, and enterprise water and electricity bill. If a legal person gets married, it needs to provide a marriage certificate and a lot of materials.
The reason for looking for an intermediary is because some intermediaries have a good relationship with the bank's risk control, even the top leader. It can speed up the examination and approval time and relax the examination.
With a business license, you can go to the bank to apply for a mortgage loan yourself.
Then why do people still look for a loan agent?
People who do business have dealt with Otawa Bank, so normal mortgages are generally made by themselves. Finding a loan intermediary is nothing more than the following questions:
1, the credit information is defective. This kind of problem is the most common situation. Because of various credit reasons, banks refused to lend money and could not find a suitable bank to collect it. Only through the profession of intermediary can we find a suitable bank loan.
2. Low interest and high amount. Business people's time is precious, why not spend some money and let the intermediary make a good plan and choose for themselves? Many people are willing to save the time of running errands to deal with business matters.
3. The problem of the house itself. Old and young, apartments, villas and other incurable diseases. Even if I want to spend time running, I can't find the way and direction, so I can only find an intermediary to handle it.
To sum up, many people classify loan intermediaries as poor information, so they can make money. What is often overlooked is that intermediaries can find suitable solutions to problems through professional skills and reasonable rules. This is the inner expression that being is reasonable.
Hello, I'm glad to answer your question. First of all, before answering your question, let's talk about what procedures and processes banks need to operate mortgages:
I. Materials to be prepared for mortgage loan.
Bank operating mortgage loans are divided into enterprise loans and personal loans according to the main body of loan application. Different subjects require different materials, but they are basically the same. The basic materials include the following aspects:
1. Personal data: the original and photocopy of the ID card, marriage certificate and household registration book of the legal representative or actual controller, and the original and photocopy of the spouse's ID card are required if married.
2. Business information: business license, business place certificate, bank flow, financial statements, articles of association (if any), special trade license (if any), business assets certificate and other business information.
3. Collateral materials: the original and photocopy of the mortgagor's identity certificate and the original and photocopy of the real estate license.
If you don't want to copy the above materials, you can give them to the bank staff directly, and they will copy them for you. Judging from the above materials, they are relatively simple and easy to collect and provide.
Second, the general process of operating mortgage loans
Step 1: go to the bank credit department to consult the loan conditions and materials to be prepared.
Step 2: The materials are almost ready. The legal representative or actual controller goes to the bank and submits the loan information. Bank staff will formally accept the business. At this time, it is necessary to fill in some simple forms, check the credit information of the loan applicant or enterprise, and preliminarily judge whether the credit information record meets the loan requirements. If it meets the requirements, the bank will tell you to go back and wait for the notice, and a bank staff will contact you to go to the enterprise for on-site inspection.
Step 3: Bank staff go to the enterprise for on-site investigation. (If there is nothing serious about the on-site investigation, just wait.
Notice to sign loan contract and mortgage contract. )
Step 4: Sign the loan contract and mortgage contract, and go through the mortgage formalities of real estate.
Step 5: borrow money.
The above five steps are the general process of offline commercial mortgage loans. In recent years, with the development of online finance, banks have launched online mortgage loans for individuals. The procedures and procedures of this loan product are relatively simple. Borrowers can apply online on their own, and the banking system will automatically complete the examination and approval (generally, the examination and approval results can be obtained in 10 minutes), thus eliminating the on-site investigation process. After the system is approved, the bank staff will contact you to handle the mortgage formalities and mortgage.
Third, it is not recommended to apply for a loan through an intermediary.
1. Judging from the above loan procedures and processes, the procedures and processes are not complicated and are guided by bank staff.
2. Loan intermediaries are everywhere, with uneven quality. Everyone claims to be professional, but are they really professional? Only they know. Moreover, the intermediary is also to make money, and the general handling fee is not low. If there is no big problem with enterprise qualification and credit history, personally, it is unnecessary to spend money. Even if there is a problem, finding an intermediary may not work. After all, the power of examination and approval lies with the bank.
With the fierce competition, banking services have been greatly improved, and many banks have launched "green credit" services. Prior to this, the phenomenon that credit officers "eat and get cards" was much less. Now for banks, customers are really God.
4. In recent years, the state's supervision of the financial industry has become increasingly strict, the cost of illegal loans has increased, and banks generally no longer cooperate with intermediaries.
Hello, I'm Xu Yukun. An old bird who has been in the loan industry for many years.
First of all, as you said, you can get a loan with a business license. In fact, it's just a gimmick that many salesmen say in customer marketing-
As a business owner, with a business license, you can really apply for a loan from a bank, but only if you meet the requirements of related products of the bank:
For example, does the running water of enterprises meet their requirements?
Does the registration period of business license meet two years?
Does the company pay taxes? Does the national tax paid meet the bank's standards? Wait a minute.
Then at this time, how to operate a tailor-made loan product according to a specific situation of yourself and your own enterprise. Often determines the success rate and completion quality of this loan.
And loan intermediaries often appear at this time. Loan intermediaries with some good professional qualities and ethics are called high-end loan managers, who are usually familiar with the requirements of bank products and the flexibility of bank internal management regulations. At this time, they usually use their own resources and professional knowledge in the industry. Which customer will make an optimal product plan and try their best to make it acceptable to customers, so as to complete their own performance. This is the value of a truly professional intermediary (loan manager) in the current situation that relevant laws, regulations and industry rules are becoming more and more strict.
Of course, loan intermediary is also a commercial activity. Therefore, after serving customers, they will also charge a certain percentage of service fees according to market conditions. This ratio will vary by region and product, but there must be a premise that it must be legal and compliant. Because in the current policy environment and market environment, it will make the career red line of all financial practitioners.
First of all, the business license is only the identity certificate of the enterprise, just like the personal identity card, it is impossible to set up a mortgage loan. Bank loans should first look at the first repayment source of the enterprise, that is, the main business income and operating cash inflow, and then look at your second repayment source, that is, the guarantee method, which is generally divided into mortgage, pledge and guarantee. You can't "mortgage" a loan just by relying on your business license.
Secondly, the problem of loan intermediary mainly stems from the asymmetry of information. In fact, if the enterprise has the loan conditions, it does not need a loan intermediary, because this will only increase the loan cost; However, if the enterprise does not have the loan conditions, the so-called intermediary will either directly use your eagerness for financing and constantly cheat you to pay, or help you fake and cheat bank loans, then there will be great risks.
Finally, the most important thing about lending to private small and medium-sized enterprises is to enhance their own strength and financing ability. "It's hard to strike while the iron is hot." On this topic, I am constantly updating a special topic-"How to improve the financing ability of private small and medium-sized enterprises". Welcome to pay attention to correction!
Of course, this does not mean that all loan intermediaries are unreliable. As I said above, because of the asymmetry of information, sometimes some reliable intermediaries are needed, which requires enterprises to choose carefully.
It is more difficult for individuals to get loans from banks. Through the loan intermediary, you can reduce the risk of being refused a loan and reduce your time cost.
There are many bank channels for loan intermediaries. Ordinary people don't know what loan products are available in the market for the first time, and which bank's loan is most suitable for them. You can find a suitable loan through the intermediary, improve the loan pass rate and save a lot of time and interest!
What are the risks of business license mortgage loan?
The risks are: First, grasp the market risks. The second is to grasp the risks of customers and projects. The third is to grasp the interest rate risk. Enterprise mortgage loan refers to the way that enterprises use real estate mortgage as a borrower to obtain loans. The channels for handling real estate mortgage loans are generally rough banks, trust companies and companies.
Extended data:
Mortgage risk
The first is to grasp market risks. The loan term is long, there are many uncertain and unforeseeable factors, the economic development cycle and the real estate market cycle change, the borrower overestimates the value of collateral or rents and sells mortgage projects that are less than ideal in the market, which may lead to insufficient mortgage, reduce the project rental price and rent level, and thus affect the loan security. Therefore, it is necessary to truly and objectively evaluate the market value of collateral, strictly use loans, and prevent borrowers from reducing registered capital, reducing share capital, improperly distributing profits and other behaviors that harm owners' rights and interests.
The second is to grasp the risks of customers and projects. The loan object must be a high-quality customer with high credit rating, good development qualification, good financial status, excellent commercial real estate development performance or rich property management experience, strong investment attraction ability and market cultivation and operation ability. In principle, commercial property refers to a low-risk project located in downtown business district, central business district and other prosperous areas, which has been put into operation for a period of time, with high occupancy rate and good operating conditions.
The third is to grasp the interest rate risk. Pay attention to the influence of inflation rate and market interest rate changes on the real interest income of operating property mortgage loans. The fourth is to grasp the risk of post-loan management. Operating banks should keep abreast of the rental and sale of the project, accurately estimate the cash flow of the project operation, carefully supervise the project funds, formulate a scientific and reasonable repayment plan, ensure the repayment of the loan principal and interest on schedule, and effectively control and resolve the loan risk.
Mortgage advantage
(1) The loan is flexible. Mortgage loan solves the problem of difficult supervision of loan use in real estate enterprises. For self-built properties, it can be used to replace debt funds and self-owned funds that exceed the prescribed proportion of project capital, that is, to replace the self-owned funds belonging to real estate enterprises, which can appropriately reduce the supervision of banks on the use of self-owned funds of enterprises.
(2) The loan term is long. Ordinary mortgage loans, the loan period is generally 1 year, and enterprises are facing great repayment pressure. Operating real estate mortgage loan, the longest loan period can reach 10 years, and enterprises can obtain long-term stable funds.
(3) The repayment method is flexible, which reduces the financial management expenses of enterprises. The repayment plan can be arranged reasonably according to the capital arrangement of the enterprise and the cash flow of the operating property. The repayment source of mortgage loan for operating property is the stable cash flow of operating property, and the rent of the property is fully supervised to the corresponding bank, which not only ensures the timely repayment of the loan, but also saves the workload and financial management cost of the borrower, thus reducing the repayment pressure of the enterprise to the maximum extent.
(4) The operation is simple, which can solve the financing problem of enterprises. Operating real estate mortgage loan is simple. Operating real estate mortgage loans mainly focus on the value of collateral and cash flow during the loan period. As long as the operating property meets these two conditions (that is, the first repayment source and the second repayment source), it can operate the mortgage loan business of operating property, and enterprises can easily obtain bank loans.
Can I get a loan with a business license?
Yes, the specific amount is determined by the bank according to the qualifications of the borrower.
Business license loan process:
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report;
3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures;
4. The bank issues loans to designated accounts.
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 for Industry and Commerce.
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.
Can I get a loan with the company's business license as collateral?
Legal analysis: Yes.
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report.
3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures.
4. The bank issues loans to designated accounts.
Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic deposit account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Can I get a loan for my business license?
You can borrow money with a business license, but you can't just borrow money with a business license. Loans need to meet the following conditions:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments, the industrial and commercial departments shall handle the annual inspection procedures.
Basic deposit account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Article 17 of the General Principles of Loans in People's Republic of China (PRC) The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person with full civil capacity with People's Republic of China (PRC) nationality. The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit.
The business license of individual industrial and commercial households can be loaned. But the following conditions need to be met:
Personal business license loans need to be operated for more than one year and need to be audited by the industrial and commercial department;
The lender must be a citizen with full capacity for civil conduct and have a fixed residence;
Lenders must have sufficient repayment ability.
I. Information to be provided by individual industrial and commercial households for borrowing:
Individual industrial and commercial households must be able to provide identity cards and household registration books, and the copies are consistent with the original; Provide the original and photocopy of business license and tax registration certificate;
Individual industrial and commercial households in normal operation, but also need to provide proof of legitimate income and related materials;
If the borrower is married, the original and photocopy of marriage certificate, spouse ID card and household registration book are also required. If the borrower is unmarried, there is no need for a marriage certificate.
Second, the self-employed business license loan process:
1. Prepare materials. First, prepare the materials required for bank conditions. If it is a customer with a mortgage loan, it is necessary to issue a certificate of property rights of the collateral. If it is an unsecured loan customer, it needs to provide a good credit record;
2. After handling the application and preparing relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank. After submitting relevant materials to the bank and paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties;
Payment review: if it is a house loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If qualified, the bank will conduct the final loan approval. If it is unqualified, the bank will return the relevant information of the customer and the fees charged.
To go through other legal procedures, in addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register the mortgage in the bank for future inquiry;
5. After the bank loan and customer-related procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan to the customer's account.
To sum up, the business license of individual industrial and commercial households can be loaned, provided that the projects to be operated need to reach more than one year, and a business license audited by the industrial and commercial department is required to be loaned.