A, 2021 business loans need what conditions business loans how to apply

1, the applicant's age in 18 years (including) -60 years (excluding) between the natural person with full capacity for civil behavior;

2, the applicant has a legally valid identity, household registration (or valid residence) and marital status certificate;

3, the applicant has legal business qualification, can provide individual business licenses, partnership business license, business registration and marital status certificate. certificate) and proof of marital status;

3. The applicant has legal business qualifications, and can provide business license of individual industrial and commercial households, business license of partnership enterprises, business license of sole proprietorship enterprises, or business license such as business license, business license of merchants, stall license, etc., or other legal and effective proof of business qualifications;

4. The applicant has a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

5. The applicant has the ability to repay the principal and interest of the loan in full and on time;

6. The applicant has a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. The applicant has a good credit record and willingness to repay the loan, and the borrower and its business entities have no bad credit records in ICBC and other financial institutions that have been checked;

6. The applicant can provide legal, effective and reliable loan guarantees recognized by ICBC;

7. The applicant meets the other conditions stipulated by the bank.

Two, business license loans need what conditions

1, business license must be legally obtained and full of one year, or the actual operation of one year can also be.

2, business license loans need applicants to have a loan bank in the location of the household, the company's legal person is over 18 years old and has the ability to civil behavior.

3, in addition, applied for a business license loan companies need to open a bank account in the loan.

4, the applicant has a certain source of repayment in the place of residence, its monthly business income must be higher than the monthly repayment amount.

Three, 2021 business license loan new policy?

For 2021 need to loan customers, we are divided into the following scenarios:

1, already have a business and real estate as collateral, supplementing the business cash flow;

2, has been mortgaged house interest rate is relatively high, and would like to replace the clientele;

3, would like to improve their own living environment, but not enough money clientele

Above to complete any one of the scenarios, choose the right bank products may be for the savings of 30% bank interest rates, about the latest 2021 bank loan interest rates can be referred to:

March 2021 Beijing 30 mainstream bank policy summary

02

After reading this may be a lot of fans still don't understand the specific selection of that product, how can it be simple? The first thing you need to do is to get a little bit more information about the product you want.

So we'll tell you the simplest product in 2021:

1, the enterprise needs to be full of 6 months (whether registered or acquired need)

2, real estate (new purchase of second-hand house transfer full 3 months)

3, credit: husband and wife borrowers and business credit is good, there is no litigation and penalties

4, income: personal income Business income can cover the loan amount 2 times

Loan strategy: why you will be rejected, bank current hidden small secrets

5, liabilities: personal credit loans credit card real estate loans can not be more than 70% of the total assets, to put it directly: that is, you have $ 10 million in assets, credit overall liabilities of no more than 7 million.

After meeting the above conditions, we come to select the bank products for you:

①Business loan: annual interest: 3.5% to 3.85%, amount: 10 million, the enterprise was established more than 1 year, the current can cover 2 times (new transfer can be processed)

②Business loan: annual interest: 4.5%, the longest 10 years, interest first, the current covers the monthly payment.

③Business loan: annual interest: 3.85%-5.25%, amount: 30 million, can be commercial office, stores, luxury homes, real estate under the name of the company, 20 years of equal principal and interest, the age of the house 40 years.

④Operating loan: annual interest rate 5.5%~7%, real operation up to 85%, very fast approval, operating property up to 15 years.

⑤ Business loan: one against two against annual interest rate from 4.15%, real estate business full 3 months or more, amount of 10 million, the longest 10 years can be based on 30 years of monthly payments.

6 Enterprise credit: 4.25%-6.5% annual interest, amount of 1-5 million, tax grade B / Zhongguancun / high-tech and other types of enterprises are available, first interest after the capital.

⑦Quick loan: monthly interest rate of 0.625%, new? Shareholders residential within the fifth ring road, the amount of 10 million, up to 3 years interest first and then the capital.

We have selected for you from 30 bank products 7 currently more efficient products

From the processing time, interest rates, clientele are different, to meet most of the need to finance the loan customer base, on a fan asked: how to quickly select and their most matching bank products?

This requires the following conditions:

1, a review of their own conditions (including real estate, credit, current, company)

2, an understanding of the bank's products (including the interest rate, into the number of repayment methods, the number of years of the loan, the stability of the degree, etc.)

3, through the sorting out of their own conditions and needs, with the help of a professional adviser to meet the conditions of the bank application!

Instead of coming up and saying, "Can you do it at 3.5% annual interest?

The question should be: correctly review their own conditions, and then see what kind of bank loans they can handle? Do not because of their own conditions are not enough to the last delayed the best financing opportunities.

03

We believe that: the above bank products as long as your credit is not particularly poor, in fact, can meet, 2021 with the passage of time after April may be the bank of small and medium-sized enterprise loan policy will continue to tighten, the threshold will continue to improve, if you want to save the cost of financing, from the point of view of the latest policy:

2021 year's business loans by policy All-round support will still continue, is a very good time to cut. Whether it is from the new replacement loan products, or small and medium-sized enterprise financing, we need to actively plan and prepare for the work, so that we can use the savings for business operations, improve business profits, and achieve high-quality growth and development.

For the purchase of new real estate customers: it is recommended that you not only need a professional real estate consultant, before buying a home it is best to find a professional financial adviser, first understand the latest bank lending policy later and then according to their own conditions, according to their own strengths?...

Four, about the business license loan problem

Hello owner! I am a business consultant of Chengdu Rui Feng Investment Co. You can say a little more specific? Do you want to go business loans or personal loans, what is the nature of your business company?