Basic rules:

1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old; .

2. Loan amount: The maximum credit amount is basically unlimited.

3. Loan term: The loan term is generally 1 to 3 years (inclusive);

4. Loan interest rate: subject to the provisions of bank loan interest rate;

5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted.

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

7. Application materials to be provided:

(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;

(2) Proof that the borrower's spouse promises to repay jointly;

(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;

(4) Proof of loan use (such as house purchase contract, etc.). );

(5) the tax payment certificate of production and business activities;

(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loan, and the written documents of the owner and property co-owner agreeing to mortgage (pledged);

(7) Collateral appraisal report issued by the appraisal department recognized by the bank;

(eight) other information required by the bank.

Processing flow:

1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. For the loan approved by the bank, after all formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower.

Second, how do flexible employees apply for business start-up loans?

To apply for a business guarantee loan, the following conditions shall be met:

A) Being honest and trustworthy within the legal working age, registered unemployed people in cities and towns, landless farmers, people with employment difficulties (including the disabled), demobilized veterans, released prisoners, college graduates (including university student village officials and returned students), workers and unemployed people from enterprises with overcapacity, migrant workers returning home to start businesses, online merchants, poor people with established files, entrepreneurs with master's or doctoral degrees, universities and scientific research institutes, etc. are allowed to start their own businesses.

B) Economic entities that meet the above conditions and are organized for employment and entrepreneurship, legally operate and have some idle funds, and absorb labor-intensive small and medium-sized enterprises that meet the above conditions and meet the specified requirements;

C) The applicant is in a state of self-employment and has not been employed in a government agency, enterprise or institution at the time of self-employment;

D) Have a business license (college graduates can rely on a business plan);

E) The business address is in Xiangyang.

3. What information should I provide to apply for personal business loans?

According to the regulations, the object of self-employed loans must be self-employed, partnership enterprises and sole proprietorship enterprises or individuals with unincorporated business licenses issued by the administrative department for industry and commerce. Information to be provided for personal business loan application: 1, identity documents of the borrower and spouse (including original resident identity card, household registration book or other valid residence permit) and proof of marital status; 2, personal or family income and property status and other repayment ability documents; 3. Business licenses and business licenses of relevant industries, as well as agreements, contracts or other materials related to loan purposes; 4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank. The amount of personal venture loan can be determined according to the borrower's economic situation, credit status, the value of collateral (pledge) and the guarantee ability of the third party. The term of the loan is generally one year, which can be extended appropriately under special circumstances, and the longest period shall not exceed three years.

4. What materials are needed to apply for personal business loans from China Bank?

Personal investment and operation loans refer to loans issued by China Bank to meet the needs of borrowers in the process of investment and operation.

1. The object of application is capable natural persons, including sole proprietorship enterprises, that is, business entities established in China according to law, which are invested by a natural person, and the property belongs to the investors, who bear unlimited liability for the debts of the enterprises with their personal property.

2. The loan amount is 30,000 yuan, with a maximum of1100,000 yuan.

3. The longest loan term shall not exceed 5 years (including 5 years).

4. The following information should be provided:

1) qualification documents, such as ID card and household registration book;

2) Documents proving the purpose of the loan, such as purchase and sale contracts;

3. Proof of repayment ability such as statement of account (or business income certificate) and tax bill;

4) The supporting documents required for the guarantee. The mortgage (pledge) guarantee shall provide a list of mortgaged (pledge) items, ownership certificate, value certificate and proof that the person with the right to dispose of it agrees to mortgage (pledge); The credit guarantee shall provide the guarantee documents and relevant credit certification materials that the guarantor agrees to perform joint and several liabilities;

5) Proof of a fixed occupation and stable economic income;

6) loan application (the content should include the borrower's resume, work performance, investment project feasibility study report, repayment source, guarantee, loan amount and

7) Self-owned capital or capital contribution certificate of not less than 30% of the total investment of the project;

8) Other documents required by China Bank.

9) proposed by the borrower