Individual industrial and commercial households are an important part of the national economy, but they are usually small in scale and easy to face financial problems. So through what channels can individual industrial and commercial households apply for loans? What conditions need to be met and what materials need to be prepared?

How do individual industrial and commercial households borrow money?

1. Mortgage loan: Individual industrial and commercial households can choose mortgage loan in case of insufficient funds. When the borrower has a house and a car, he can choose mortgage loan, real estate mortgage loan and automobile mortgage loan which are more suitable. Treasury bonds, insurance policies, certificates of deposit and other assets can also be used as collateral to apply for pledged loans.

2. Credit loan: Credit loan refers to the loan granted by the borrower's reputation, and the borrower does not need to provide guarantee. However, this kind of loan is risky, and banks often make a comprehensive evaluation of users' economic situation, repayment ability and assets under their names. Only qualified users can apply for credit loans.

3. Secured loan: Secured loan is a loan granted on the condition that a third party provides corresponding guarantee for the borrower. Guarantee can be personal guarantee or material guarantee.

4. Unsecured loans: In addition to banks, many formal lending platforms have also launched some unsecured loan products that are conducive to the development of small and micro enterprises.

5. Loans obtained from private lending platforms: Borrowers can also apply for online loans from local regular lenders on the online lending website (choose qualified lenders first).

Conditions and materials for individual industrial and commercial households to apply for loans

Conditions for individual industrial and commercial households to apply for loans:

1, aged between 18-60, with full capacity for civil conduct;

2. Have a permanent residence or a valid residence certificate, and a certificate of long-term residence of the borrower and spouse in Beijing or the local area;

3. Business license for production and operation, original and photocopy of marriage certificate for licensed operation;

4. No bad credit record;

5. Have a stable income and the ability to repay in full and on time;

6. Other conditions required by the lending institution.

Materials to be prepared for self-employed individuals to apply for loans from banks:

1, loan application form for individual industrial and commercial households, industrial and commercial business license, and bank fund flow statement;

2. The capital verification report issued by the capital verification department and the recent tax payment certificate provided by the tax department;

3. The applicant's identity card, residence booklet and proof of marital status;

4. Proof of ownership of collateral or pledge;

5. Guarantor's undertaking;

6. If the applicant is not a local hukou, a local residence certificate is also required.

The above is a list of conditions and materials for individual industrial and commercial households to apply for loans. If you need to apply for a loan, you must first determine whether you meet the conditions.