With regard to the commercial loan-related questions you inquired, we provide general provisions for your reference. Detailed loan information can be confirmed when applying through the handling bank.
It is necessary to submit personal information to the local counter personal loan department, and handle the business after reviewing the personal information through the handling bank.
Conditions that the borrower needs to meet:
1. It meets the basic requirements of our retail loan customers.
2. Do not accept loans for small and micro enterprises applied by foreigners and people from Hong Kong, Macao and Taiwan.
3 small and micro enterprise mortgage loans, the borrower or the actual controller of the borrowing enterprise should have more than 2 years of continuous business experience in the industry corresponding to the purpose of the loan; For unsecured small and micro enterprise loans (small and micro enterprise loans other than mortgage loans), the borrower or the actual controller of the borrowing enterprise should have more than 3 years of continuous business experience in the industry corresponding to the purpose of the loan.
4. The credit record of the borrower or the actual controller of the borrowing enterprise shall be above grade (inclusive), and no credit record shall be regarded as Grade II.
5. In a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise.
For farmers, fishermen and other natural persons who are engaged in legal production and operation, but do not need to apply for a business license according to the current policy, and operators who set up private extracurricular counseling and training institutions and law firms according to national laws and regulations, they can apply for personal business loans if they can provide relevant legal business certification materials. & ltbr & gt
6. In the loan of small and micro enterprises, the actual controller of the borrowing enterprise provides the full irrevocable joint liability guarantee for the loan.
7. The family (including spouse and minor children) of the borrower or the actual controller of the borrowing enterprise is insolvent (that is, the net assets of the family)
8. The actual controller of the borrower or the borrowing enterprise shall not be on the list of sanctions or supervision.
If you have any questions or comments, please log on to online customer service /cmu/icslogin.aspx? from = B& amp； Logincmu=0 for consultation, and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!