Yes, you can ask directly at the bank.

2. What materials does Minsheng Bank need to open an ordinary household?

Minsheng Bank needs materials to open a general account, including basic account account opening permit, original and photocopy of business license, articles of association, original and photocopy of legal representative's ID card, original and photocopy of partner's or shareholder's ID card, five chapters (official seal, financial seal, corporate seal, special seal for contract and invoice) and other materials required by local banks. Subject to the local bank.

3. Can I get a loan for my new business license?

Business license is not the key factor to obtain bank loans, but the certificate of management right. Whether the bank can finally lend depends on the combination of the applicant's age, integrity, collateral value, risk control and other factors.

1. Loan products for individuals and small businesses of banks. At present, banks have different forms for natural persons engaged in legitimate production and business activities, including individual industrial and commercial households, investors and partners, each with its own characteristics.

1, personal experience of ICBC

2. Agricultural Bank of China's series of loan products, such as good start-up loans, characteristic loans and three rural loans;

3. CCB's wealth-creating loans, harmonious loans and loan links;

4. Beneficial loans from China Bank;

5. Bank of Communications personal business loan series;

6. Commercial loans of China Merchants Bank;

7. CITIC Bank's small business finance business;

8. Huaxia Bank's small business finance and free loans;

9, Minsheng Bank's micro

10, personal business loan of "Good Borrowing and Good Repayment" of Postal Savings Bank;

1 1, Everbright Bank Sunshine Easy Loan and Small Business Owner Loan;

12, individual of Shanghai Pudong Development Bank

13, personal loans of local joint-stock banks;

14, loans granted by rural commercial banks and credit cooperatives to individuals;

15, personal loans of companies and internet financial platforms.

Two. Requirements: Banks need the following documents to handle personal or small business loans:

1, 18-65 years old, with full capacity for civil conduct, with a fixed residence in the local area and valid identity documents;

2, with legal and effective special industry should have the right to approve the special issued by the department.

3. Have management experience in this industry and have certain management ability;

4, with stable operating income and the ability to repay the loan principal and interest on schedule.

5. The secured loan must be legal, effective and worthy of guarantee;

6. Good credit record;

7. Meet other conditions stipulated by the lending bank.

Third, the loan process: customers apply for loans and submit relevant materials → banks make adjustments → mortgage and pledge registration.

4. Can I borrow money from Minsheng Bank for the new business license?

Yes, anyone who is self-employed can apply for a loan. The business license loan process is as follows:

1. Submit a business license loan application to the bank and consult the loan related matters;

2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report.

3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures.

4. The bank issues loans to designated accounts.