1, at least 18 years old, with ID card and household registration certificate, and a place to start a business.
2. Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
3. The borrower has certain self-owned funds for investment projects;
4. The purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;
5. Open a settlement account in the bank, and the operating income will be settled by the bank.
Loan applicants need to provide application materials.
(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;
(2) Proof of repayment ability such as personal or family income and property status;
(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;
(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank.