Minsheng Bank's small and micro loans are mainly for individual industrial and commercial households, small and micro private enterprises, small and micro private entrepreneurs or actual controllers. The maximum amount of small and micro loans for single households is 5 million. Then, what conditions does Minsheng Bank need to make small and micro loans? 1. The borrower must be a member of a mutual fund organization cooperating with Minsheng Bank, and the fund manager must agree to provide guarantee for it; 2. The borrower has full capacity for civil conduct, has certain work experience and industry experience, and has good corporate credit and operating conditions; 3. In principle, the borrower has a permanent residence or valid residence status in the town under the jurisdiction of the credit bank, and has a fixed residence and production and business premises; 4. The borrower has a good credit record, no bad habits, no major private lending behavior and no major economy; 5. Meet other conditions stipulated by Minsheng Bank for small and micro loans. For details, please refer to the Measures for the Administration of Credit Granting to Merchants of China Minsheng Bank. If there is no guarantee, then applying for small and micro loans from Minsheng Bank needs to provide mortgage or pledge. Mortgage includes real estate mortgage, and there are many ways of pledge, including accounts receivable pledge, lease right pledge, movable property pledge and so on.

2. What are the conditions for Minsheng Bank to make small and micro loans?

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

Please note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years;

5. Customers blacklisted in the credit information system cannot apply for loans;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

Process:

1. Apply for a loan from the bank,

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Open a personal current deposit account and sign a loan contract.

4. Apply for real estate mortgage registration;

5. Bank loans.

3. What are the conditions for Minsheng Bank to make small and micro loans?

Minsheng Bank's small and micro loans need to be approved and registered by the administrative department for industry and commerce, have independent legal personality, can conduct independent accounting, open a basic deposit account, and the paid-in capital is not less than the registered capital.

Enterprises have good repayment ability, and the asset-liability ratio should be reasonable, and the asset-liability ratio should not exceed 70%. Enterprises have sustained profitability and stable market competitiveness.

Enterprises must have good credit.

I. Small and micro loans

Micro-loan is an application of IOS platform, with a software size of 3.9MB. It is a mobile phone application specializing in micro-loan research, promotion and membership promotion in China.

Small and micro loans focus on providing enterprises and individuals with all-round information and professional services for commercial loans.

Second, loans.

A simple understanding of a loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

Loans refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development.

Fourth, is Minsheng Xiao Wei app true?

It's true.

65438+ 10/2, on the 26th anniversary of the establishment of China Minsheng Bank, the bank held a press conference on the launch of Minsheng Xiao Wei App and the scale of micro-loan exceeded 600 billion, officially launched Minsheng Xiao Wei App, and launched four product systems: commercial loan, industrial loan, agricultural loan and online loan, marking the establishment of Minsheng Bank.