1. Sole proprietorship loan application conditions:

Have the ability to repay principal and interest on time, and the original loan interest payable and due loans have been paid off;

The annual inspection procedures should be completed by the industrial and commercial department, because only by passing the annual inspection by the industrial and commercial department and completing the annual inspection procedures can the development and changes of the sole proprietorship be verified, and the authenticity of the relevant loan application materials issued by it and the true legality of its business qualifications be guaranteed;< /p>

A basic account or general deposit account has been opened;

The asset-liability ratio of the sole proprietorship meets the requirements of the lender;

When applying for a loan, its owner The ratio of income to the total investment required for the project meets the specified requirements.

2. Sole proprietorship loan application process:

1. To apply for a loan for a sole proprietorship, an application should be submitted to the handling agency of the sponsoring bank;

2 , need to fill in the "Loan Application Form";

3. When a sole proprietorship applies for a loan, it needs to provide corresponding asset certificates and other loan-related information;

4. Has the right to dispose of Proof that the person agrees to mortgage or pledge and relevant certification documents that the guarantor intends to agree to guarantee;

5. The enterprise’s project proposal and feasibility report;

6. Other requirements required by the bank Related information.

3. Sole proprietorship loan guarantee methods:

1. Comprehensive credit: refers to the bank granting a certain amount of money within a certain period to some enterprises with good operating conditions and reliable credit The credit limit can be recycled by the enterprise within the validity period and limit range.

2. Bill discounting: refers to the fact that the bill holder transfers the commercial bill to the bank and obtains funds after deducting the discount interest.

3. Intellectual property pledge: refers to a financing method in which the property rights in legally owned patent rights, trademark rights, and copyrights are evaluated and applied for loans from banks.

4. Fixed asset loans: These are medium- and long-term domestic and foreign currency loans issued by banks to enterprises, mainly for capital construction, equipment purchase, technological transformation and the construction of corresponding supporting facilities related to fixed asset project investment.