How to get a loan when starting a business in another place

There are so many types of loans for starting a business, as long as you choose a formal and reliable platform.

It is recommended to use Youqianhua. Youqianhua is a credit brand under Du Xiaoman Financial. It provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, just use the Du Xiaoman Financial APP (click the official Measure the amount). Spend money on consumer loans, with daily interest rates starting as low as 0.02% and annualized interest rates starting as low as 7.2%. They feature easy application, low interest rates, fast disbursements, flexible borrowing and repayment, transparent interest rates, and strong security.

For family entrepreneurship, on May 21, 2021, Duxiaoman Financial launched an activity to help small and micro enterprises with the theme of "Family and All Businesses Prosper", providing 100,000 copies of "Daily Interest Rate of 10,000" "Wonderful Insurance" gift package to help small and micro business families grow. The quantity is limited, first come first served. For event details, please refer to the Duxiaoman Financial APP page.

Share with you the application conditions for money-to-spend consumer products: they are mainly divided into two parts: age requirements and document requirements.

1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to current students. If you are a current student, please give up the application.

2. Information requirements: During the application process, you need to provide your second-generation ID card and personal debit card.

Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

This answer is provided by Youqianhua. Due to objective reasons such as timeliness of the content, if the answer content is inconsistent with the actual interest calculation method of Youqianhua products, please refer to Duxiaoman Financial APP-Youqianhua Borrowing The page display shall prevail. Hope this answer is helpful to you.

Are the loans from rural commercial banks for off-site operations reliable?

Reliable. It is relatively easy to get a loan if the conditions are met, and it is not difficult to get a loan from the Rural Commercial Bank. The conditions for applying for loan business are natural persons aged 18 to 65 years old; the borrower's actual age plus the loan application period should not exceed 70 years old; have a stable career, stable income, and the ability to repay the principal and interest of the loan on time; have a good credit report and no bad delinquencies Records, loan purpose is legal; other conditions specified by the bank. Rural commercial banks are formal commercial banks. It was transformed from a rural credit cooperative. It is a joint-stock local financial institution approved by the China Banking Regulatory Commission. Like state-owned banks and joint-stock commercial banks, rural commercial banks are also a type of commercial banks. They are engaged in the business of taking deposits and granting loans. Their service targets are mainly agriculture, rural areas and farmers.

Companies from other places can apply for business loans in Wuxi

Yes, companies from other places can apply for business loans in Wuxi. The Wuxi Banking Administration has launched a "loan for off-site operations" policy to encourage companies from other places to develop in Wuxi and support companies from other places to settle and develop in Wuxi. Non-local companies can apply for operating loans from the Wuxi Banking Administration Bureau to support their development in Wuxi.

Are Rural Commercial Bank's loans for off-site operations reliable?

Are Rural Commercial Bank's loans for off-site operations reliable? Rural Commercial Bank is a relatively well-known large state-owned enterprise in China and enjoys high visibility and popularity. , the talents within the company are all highly sophisticated technical talents in the society, and at the same time, the company is backed by strong funds.

The process of applying for a CCB operating loan in another place

First, find a CCB branch to apply for a personal operating loan.

The specific steps are as follows:

1. After submitting the application materials, you will know the approval results in 3-5 working days.

2. Sign a loan contract.

3. After signing the loan contract, China Construction Bank will transfer the loan funds into the bank account designated by the borrower within the agreed time.

Loan means that banks, credit unions and other institutions lend money to units or individuals who use the money, and generally stipulate interest and repayment dates.

Can I use my business license to get a loan from another place?

Yes. Similar to personal loans that require proof of employment, business owners and self-employed individuals need to provide a business license. Business license loan is essentially an operating loan business, and the business license itself is one of the important materials in this type of loan business.

If you want to apply for a loan through a business license, you must meet the following conditions: 1. Have a fixed business location (on-site investigation is required, and proof of rental payment or real estate of the business location is required), and the business project is legal. 2. The normal operating time is one year, and some lending institutions have relaxed the requirements and require 6 months. 3. The business situation is relatively good and the company has stable revenue capabilities (the company needs to provide proof of its corporate turnover in the past six months). 4. The person responsible for the loan needs to maintain a good credit record. 5. You also need to open a deposit account with the lending bank.

It should be noted that it does not mean that you can get a loan as long as you have a business license. In addition to meeting the above conditions, there are also requirements for the business license itself: 1. Business license registration date, generally Some lending institutions require more than 6 months, commercial banks require no less than 1 year, and foreign banks are more stringent, requiring more than 3 years. If it involves the transfer of business entities (the transfer of ownership of an enterprise or self-employed person to another enterprise or self-employed person), the legal person change must be completed for one year. 2. Lending institutions also have clear requirements for name and business scope. Due to the influence of various policies, lending institutions generally have prohibited and restricted industries. If the name or business scope on the business license happens to reflect these industries, it will not be easy for the loan to be approved. 3. The registered capital on the business license is sometimes very important. Registered capital can also reflect the hard power of an enterprise or self-employed person. Naturally, the higher the better. In order to reduce loan risks, some lending institutions will even require a minimum registered capital.

Documents required for business license loan 1. Original and duplicate business license, tax registration certificate, and organization code certificate (the three certificates in one only require the business license); 2. Tax stamps for the past three months; 3. Articles of Association; 4. Capital verification report; 5. Upstream and downstream contracts in the past three months; 6. Sales bill or VAT invoice; 7. Corporate turnover in the past six months; 8. Financial statements of the past year, etc. (necessary information for operating loans, and can also be used as evidence for consumer loans).

The general process of business license loan 1. The borrower consults the lending institution about the business license loan application; 2. Provides relevant information on business license loan according to the requirements of the lending institution and submits a loan application; 3. Waits for the bank or The small loan company will review the application, and if approved, go to the bank to sign a loan contract. If it is a mortgage loan, you need to go through the mortgage registration procedures; 4. To issue a loan, the borrower can repay the principal and interest of the loan as scheduled in accordance with the contract. Business license loan interest The level of loan interest is often not fixed, which is related to the borrower's comprehensive qualifications. However, according to the case of ordinary business loans, the interest rate on business license loans is generally around 2 cents (monthly interest rate is 2%, corresponding to an annual interest rate of 24%). How much you can borrow for a business license loan depends on the conditions of the borrower. If you apply for a credit loan, you can borrow up to 1 million. If it is handled by mortgaging a property, you can generally get a loan of 60-70% of the appraised value of the property, up to tens of millions.