Can I get a loan for an individual business license?
Is it possible to get a loan for an individual business license? However, the following conditions need to be met:
1. Individual business license loans require operating projects for more than one year and need to be reviewed by the industrial and commercial department;
2. The lender must Citizens with full capacity for civil conduct and permanent residence;
3. The lender must have sufficient repayment ability.
1. Information required for individual industrial and commercial households to borrow money:
1. Individual industrial and commercial households must be able to provide ID cards, household registers, and copies consistent with the originals;
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2. Provide the original and copy of the business license and tax registration certificate;
3. If the individual industrial and commercial household is operating normally, it also needs to provide proof of legal income and related information;< /p>
4. If the borrower is married, he or she needs to provide a marriage certificate, spouse’s ID card, and the original and copy of the household registration book. If the borrower is unmarried, a marriage certificate is not required.
2. Business license loan process for self-employed households:
1. Prepare the materials. First, prepare the materials required for bank conditions. If you are a mortgage loan customer, you need to provide collateral. If you are a customer of a guarantee-free loan, you need to provide a good credit record;
2. Apply for the application and prepare the relevant materials, the customer can go to the bank or a law firm entrusted by the bank to apply for a loan To apply, after submitting relevant information to the bank and paying various fees, the customer needs to sign a loan contract with the bank, which will serve as a legal document binding both parties;
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How to get a loan for a business license of an individual industrial and commercial household
The business license of an individual industrial and commercial household can be loaned, and the following conditions must be met: 1. The loan for an individual business license requires that the business project be completed More than one year, and needs to be reviewed by the industrial and commercial department; 2. A Chinese citizen who is over 18 years old with full capacity for civil conduct and has a permanent residence; 3. The borrower must have sufficient repayment ability and can provide bank statements for the past six months etc. Let’s follow the editor of Legal Express to find out more.
1. How to get a loan with a self-employed business license
When applying for a loan with a business license, in addition to the business license, the borrower is also required to provide proof of identity, marriage certificate, address proof, etc. , and must also provide bank statements for more than six months. The more complete the information you prepare, the easier it will be to apply for a loan. Self-employed business license loans are highly targeted and have flexible repayment methods. Highly targeted: Tailor-made for individual industrial and commercial households to meet their production, operation and other capital needs in many aspects. Flexible repayment methods: Implement maximum loan balance management, and you can choose different repayment methods.
Application process:
1. The borrower shall prepare all the above information and submit it to the lending institution;
2. The lending institution will review the information and at the same time, Conduct pre-loan investigation;
3. If the investigation is passed, both parties sign a loan agreement;
4. After the agreement is signed, the lending institution issues the loan;
5. Borrowing The person repays the loan in accordance with the provisions of the contract.
How to apply for a loan with a business license
1. The loan applicant must have a fixed office and have a local business license for one year;
< p>2. Bring your ID card information and the profit form of the company you operate in recent years to the bank to apply;3. Wait for the bank’s inspection and review results;
4. Sign a contract with the bank, and the bank will distribute the loan in accordance with the contract.
1. A business license is a certificate issued by the industrial and commercial administration authority to industrial and commercial enterprises and individual traders allowing them to engage in certain production and business activities. Its format is uniformly stipulated by the State Administration for Market Regulation.
The registration matters are: name, address, person in charge, amount of funds, economic composition, business scope, business method, number of employees, business period, etc. The business license is divided into original and duplicate, both of which have the same legal effect. The original copy shall be placed in a conspicuous place at the company's residence or business premises, and the business license shall not be forged, altered, rented, lent or transferred.
Industrial and commercial enterprises or self-employed individuals without a business license are not allowed to open their business. They are not allowed to engrave official seals, sign contracts, register trademarks, or publish advertisements. They are not allowed to open bank accounts.
On September 28, 2018, the country’s first batch of 11 business licenses and 1 industrial product production license were issued in the Yangtze River Delta G60 Science and Technology Innovation Corridor. Starting from March 1, 2019, a new version of business license will be launched nationwide. On April 1, 2019, six departments including the Beijing Municipal Administration for Market Regulation issued the "Notice on Improving the Efficiency of Business Start-up", which showed that if applicants handle business through the "e-window" platform, the market supervision department will approve it and submit it to the enterprise within one day. An electronic business license is issued and other matters are processed in parallel within 24 hours, and the enterprise can meet the operating conditions in 2-3 days.
How to get a loan with a business license
How to get a business license loan, which platform is the best for business license loans.
The loan conditions for business licenses are as follows:
General banks will require that those who have been in business for more than one year will not be eligible for loans with newly issued business licenses, but different banks have different requirements. , you can ask several banks.
Which platform is better for business license loans:
ABC Weijie Loan
ABC Weijie Loan also serves small and micro enterprises through online banking and mobile banking. You can apply as soon as possible. The loan limit of Agricultural Bank of China's Weijie Loan can reach 1 million, and the loan period is 12 months.
WeBank Small and Micro Enterprise Loan
WeBank Small and Micro Enterprise Loan is a loan that can be processed with a business license. The main open areas are Guangdong Province, Jiangsu Province, and Hunan Province , Shandong Province, Tianjin City, Shaanxi Province, Zhejiang Province, Henan Province, Chongqing City, Yunnan Province, Jiangxi Province. The loan limit for small and micro enterprise loans can reach 3 million yuan, and the loan term is up to 36 periods.
CCB Huitiaoni
CCB Huitiaoni is a CCB small and micro enterprise APP that can handle loans for a wide range of enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with a term of 12 months based on their business licenses, tax information, etc.
When everyone is short of money, I use no less than 10 loan products. To sum up, I still recommend Du Xiaoman (formerly known as Baidu Finance) for the following reasons: 1. Compared with the invitation system of Jiebei and Weilidai, you can actively apply if you have money to spend. 2. The maximum limit is 200,000, the minimum annualized rate is 7.2%, and the account is credited in 3 minutes. It is already very easy to use; 3. It is a formal and large platform, so you don’t have to worry about routines;
4. Generally, the review of formal products is relatively strict. Although it is easy to use, it is difficult to apply, and it is the same if you have money to spend. However, I asked for an exclusive application channel from internal staff, and the purchase rate is very high, so it is the most recommended product among the products. There is no one, since I recommend it to everyone. Now, I will also provide an exclusive application channel. Friends in need can apply by themselves.
Just remember to use the quota on the same day, otherwise the quota may be withdrawn. A friend has appeared before Remember this situation.
Du Xiaoman-If you have money to spend (second batch), click online to measure the amount
There is another one: 360 IOU is actually the anti-virus king Qihu 360 online loan platform, which mainly provides everyone with pure For credit loans, the amount is within 200,000 yuan, the usage period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform owned by a network security giant, 360 IOU is still more reliable than ordinary platforms.
360 IOU can borrow up to 200,000 yuan!
Click to measure the amount online
The third one: "Xinyidai" is owned or issued by Ping An Bank to individuals for other legitimate consumption or business purposes other than purchasing housing. Unsecured RMB loan business. With complete information, the loan will be released within 1-3 working days.
The application threshold is low: you can apply if you have an average monthly income of more than 4,000 yuan (car loan, housing loan, provident fund, and insurance policy are best), the amount is suitable, and the repayment is flexible: the loan limit is RMB 10,000 to RMB 50 Ten thousand yuan; the loan period is 12 months, 24 months, or 36 months, and for high-quality occupations, it can be as long as 48 months.
Click here to measure the amount of Ping An New Loan online
The above content is for reference only and does not make any loan recommendations. Online loans are risky, so be careful when choosing!
How to get a loan online with a business license
You can get a loan with a business license, but you must also meet the loan conditions and bring other relevant information. You must prepare the tax registration certificate, ID card of the legal person and his or her spouse, marriage certificate, household register, rental contract for the business site, product qualification certificates of the products sold, etc. before you can apply for a loan. Of course, not every bank is the same. It is recommended to consult the relevant banking department to understand.
The application steps for a business license loan are:
1. Apply to the bank and submit complete loan procedures. In addition to providing the original and copy of the business license, the borrower must also prepare these materials: the original and copy of the corporate identity card or individual business owner, the company's annual report or store operation statement for the past three years, and the company's business bills for the past six months, etc. .
2. The bank will review the application materials and conduct a pre-loan adjustment check on the borrower. This step mainly looks at the specific economic situation of the operator to predict the lender's ability to repay the loan.
3. The borrower and the lender sign a loan contract.
4. Lending institutions issue loans.
5. The borrower shall repay the principal and interest of the loan in full and on time as agreed in the contract.
Legal basis: Jishu
Article 20 of the "Regulations on Individual Industrial and Commercial Households" Individual industrial and commercial households can open a business in a bank or other financial institution in accordance with the law with a business license and tax registration certificate Account, apply for loan Wang Qingzhe. Financial institutions should improve and improve financial services and provide convenience for individual industrial and commercial households to apply for loans.
Article 36 of the "Commercial Bank Law of the People's Republic of China" For commercial bank loans, the borrower shall provide guarantee. Commercial banks shall strictly examine the guarantor's repayment ability, the ownership and value of the mortgage and pledged property, and the feasibility of realizing the mortgage and pledge rights. If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required.
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How can I apply for a loan if I have a business license? There are these ways!
There are so many people doing business now, and they are particularly prone to encounter problems. Seeking business loans is the fastest way. If you have a business license and meet the application conditions, you can apply for this type of loan. Today we will introduce how to apply for a loan with a business license. We hope it can help everyone.
1. Mortgage loan
This is a more mainstream method. As long as you have a qualified property in your name, you can apply for a loan from the Agricultural Bank of China as collateral. Mortgage loans can generally The loan amount is approximately 70% of the assessed value of the collateral. The specific loan amount depends on your own conditions, such as credit status, liability status, operating income and profits, etc.
2. Credit loans
Now the country has successively introduced many preferential policies to vigorously support the development of small and medium-sized enterprises. Therefore, many banks, including large state-owned banks, now provide loans for small, medium and micro enterprises. , some banks also provide some credit loans, and Agricultural Bank of China is one of them. However, the credit loan requirements of the Agricultural Bank of China are relatively strict. Generally, the applicants must have real estate in their name, and their personal credit and bank records must be relatively good.
3. Accounts receivable
The Agricultural Bank of China has a product called Account Receivable. This loan product is mainly aimed at the accounts receivable pledge financing business of small and medium-sized enterprises. Based on the accounts receivable provided, we directly handle short-term working capital loans for customers based on the value of the pledge guarantee. This type of loan can be up to 70% of the accounts receivable amount. If the conditions are better, it can even be up to 100%. . However, this requirement is relatively strict. Generally, the applicant is required to have a close cooperative relationship with large and medium-sized enterprises and be a stable supplier of large and medium-sized enterprises.