Conditions that the borrower needs to meet:
1. It meets the basic requirements of our retail loan customers. & ltbr & gt
2. Do not accept loans for small and micro enterprises applied by foreigners and people from Hong Kong, Macao and Taiwan. & ltbr & gt
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. & ltbr & gt
4. The credit record of the borrower or the actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II. & ltbr & gt
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. & ltbr & gt
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. & ltbr & gt
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.
Loans can only be used for the working capital turnover or fixed assets investment of the borrower's operating entity or borrowing enterprise. & ltbr & gt
1. Fixed assets investment loans can only be used for fixed assets investment purposes such as new construction, expansion, transformation, development and purchase of the borrower's business entity or borrowing enterprise. Small and micro enterprise loans used for fixed assets investment shall conform to the Interim Measures for the Management of Fixed Assets Loans and the institutional requirements of banks on the management of fixed assets loans. & ltbr & gt
2. Loans shall not be used for enterprise equity investment; Not allowed to enter the stock, futures and other securities markets; Shall not be used to buy housing; Shall not be used for real estate development in disguise; Shall not be used for borrowing to seek illegal income; It shall not be used in other fields where production and operation are prohibited by the state; It shall not be used in areas that violate national laws and regulations and prohibit bank loans from entering.
How to apply for a commercial loan:
Small and micro enterprise loans (operating loans) refer to corporate loans and personal operating loans of small and micro enterprises with credit lines below 5 million yuan (inclusive). If you want to handle or learn more about the loan business of small and micro enterprises, you can contact the local branch or personal loan department of China Merchants Bank to apply or learn more.
Conditions for handling commercial loans:
The borrower needs to be the actual controller of the enterprise: refers to the natural person who can actually control and dominate the operation and management of the enterprise, and generally refers to the individual shareholder who holds more than 50% of the shares/equity capital of the enterprise; Or although the shareholding ratio is less than 50%, it is the single largest shareholder; Or does not meet the first two conditions, but has a resolution of the shareholders' meeting and a written certificate issued by the legal representative to prove that it is the actual controller of the enterprise, in which the number of signatories to the resolution of the shareholders' meeting accounts for not less than 2/3 of the total number of shareholders, and meets the requirements of the company's articles of association for decision-making power on major issues. Public officials and minority shareholders who are not allowed to do business according to laws and regulations may not apply for loans from banks for small and micro enterprises.
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