Dongguan zhengmeng lawyer
Practice for 4 years | Guangdong Dazhou Law Firm
Good at: criminal defense, labor disputes, contract disputes, creditor's rights and debts.
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1. Is it risky for others to borrow money with their business licenses?
1. It is usually risky for others to borrow money with their business licenses. If others fail to complete the repayment on time, their business license may be temporarily withheld and they cannot apply for it during the trial. One of the most serious consequences is to bear certain legal responsibilities. When an economic dispute occurs, individual operators shall bear unlimited joint and several liability.
2. Legal basis: Article 20 of the Regulations on Individual Industrial and Commercial Households.
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 22
Individual industrial and commercial households submit false materials to defraud registration, or forge, alter, lease, lend or transfer their business licenses, and the registration authority shall order them to make corrections and impose a fine of less than 4,000 yuan; If the circumstances are serious, the registration or business license shall be revoked.
2. What are the requirements for applying for a loan with a business license?
The requirements for applying for a loan with a business license are as follows:
1. It has a fixed business place, needs on-site investigation, and provides the rental payment of the business place or property certificate, and the business project is legal;
2. It takes 6 months for some lending institutions to relax their requirements after one year of normal operation;
3. It is in good operating condition, has stable revenue capacity, and needs to provide public water certificate for nearly half a year;
4. The person in charge of the borrower needs to maintain a good credit record;
5. You also need to open a deposit account in a loan bank.