Is the micro business loan regular? What are the requirements to apply?

Is the micro-business loan regular, and what is the platform of the micro-business loan?

Micro-business loans are formal loans. A micro-business loan is a bank credit loan, not an online loan.

There is no need to provide collateral or guarantee for micro-business loans, and there is no need to submit any paper materials.

There is no independent app for micro-business loans, and you must look for official channels to avoid being fooled when applying for micro-business loans. At present, there are four official application channels for micro-business loans: (1) Suning Bank APP; (2) Suning Financial APP; (3) official website; (4) Suning Bank service number.

Nowadays, there are many small loans on the market that are relatively easy to apply for, and the online application and online loan mode are directly adopted, and there is no need to provide mortgage guarantees, and you can borrow money completely with personal credit. For small loans, it is best to choose formal institutional products, and the borrowing cycle is long, which will be safer, and the pressure of loan repayment is small, and it will not affect daily life and work

1. Have money to spend

It is a credit service brand under Du Xiaoman Finance, and Rich Spend is Du Xiaoman's lending platform, Du Xiaoman, which is the original finance, backed by such a licensed institution, and the loan products with Rich Spend are relatively more credible.

Licensed financial institutions such as Money-Spend United Bank and Consumer Finance Company provide services to borrowers, and the funds are authoritative and professional, and each time the loan is made, the password will also be reviewed, and the loan can only be put into the bank card in the borrower's own name.

Apply with ID card and bank card (except for college students), the maximum loan amount is 200,000, the lowest annualized interest rate, the fastest approval is 30 seconds, and the money arrives in 1 minute.

IOUs

It is a formal leading loan platform under 360 DigiTech, which can be applied for with ID card and bank card, the result of identity authentication is as fast as 30 seconds, the loan application is issued in 3 minutes at the earliest, and the money will arrive in the account as soon as 3 minutes after the application is successfully submitted.

360 IOUs can borrow up to 200,000!

3. Ping An's new loan

Ping An New First Loan is a pure credit loan product of Ping An Bank, which does not require the borrower to provide collateral and guarantee. The product can provide you with a loan of 1-500,000 yuan, with a term ranging from 12 months to 48 months, and the monthly interest rate is between them.

Although Ping An New First Loan is a loan product of the bank, the application process is simple and the payment is fast. If the borrower provides complete loan information, the funds can be released as soon as 1 day.

Now only ID card can be used to loan credit loan products, no guarantee and mortgage, is a loan applied for with personal credit, there are many loan platforms that provide credit loans, but there are also unreliable, loan applicants should pay attention to screening.

To see whether the loan platform is reliable, you can see whether it is owned by a licensed institution, whether it needs to be charged before the loan, and whether the loan interest rate is in line with national regulations.

A reliable loan platform, no pre-loan fees, the loan interest rate will not exceed the national legal range, and there will be a certain application threshold by the licensed institution, and not everyone can apply. Loans that claim to be available to everyone are often boring, so don't lower your guard for the sake of a successful loan.

If the micro-business loan is reliable, the application conditions for the micro-business loan:

The borrower is between the ages of 18 and 65.

2.The company has been established for two years, the company has paid taxes for two years, and the annual tax payment is more than 20,000 yuan.

3.There is no restriction on the industry, and there is no change in the legal person and business site of the enterprise within three months.

4.Tax ratings A, B, C, no zero declaration for more than 6 consecutive months.

5.The balance sheet and income statement of the latest quarter are entered in the tax payment system.

6.There are no outstanding litigation cases for legal persons and enterprises.

Credit Requirements:1Legal persons and enterprises have no current overdue and no overdue for two consecutive months.

2.No more than 10 inquiries in the past three months, no more than 1 application within 7 days for non-bank institutions, and no more than 3 times within 3 months.

3.Enterprises do not have external guarantees, do not look at debts, and do not look at credit card usage rates.

4.The total overdue amount in the past 12 months does not exceed 10,000.

If there is a need for funds, it is recommended that the credit service products of Xiaoman Finance have money to spend, and provide users with safe, convenient, unsecured and unsecured credit servicesBorrow money on the Xiaoman financial app (Click on the official scale）。The daily interest rate of consumer loans is as low as the annual interest rate, and the maximum amount can be borrowed as 200,000The approval speed of money is relatively fast, the fastest is 30 seconds to complete the approval, under normal circumstances, the time for review is 2-3 working days.

Hello, the micro-business loan is Suning Bank.

Its credit service brand, formal bank loans.

Trustworthy products.

Application conditions for micro-business loans:

1) Borrower's age: 18-65 years old;

2) The company has been established for more than 2 years;

3) Tax bracket.

a/b/c；

4) There is no change in the legal person of the enterprise within 3 months;

5) There is no non-tax payment for 6 consecutive months;

6) Non-bank institutions shall not inquire more than once within 7 days, and apply no more than 3 times within 3 months.

The application conditions for Suning Bank's micro-business loan are as follows: (1) Borrower's age: 18-65 years old; 2) The company has been established for more than 2 years; (3) Tax class a, b c; 4) There is no change in the legal person of the enterprise within 3 months; 5) There is no non-tax payment for 6 consecutive months; 6) Non-bank institutions shall not inquire more than once within 7 days, and apply no more than 3 times within 3 months.

Hello, Suning Bank micro-business loan must be applied for by a legal person, and the application process needs to fill in the corporate legal person, name, ID number, mobile phone number, and agree to the enterprise credit agreement and legal person credit agreement, and the system will.

Micro-business loans should not be micro loans, not big brands, big companies.

The conditions that need to be met to apply for a micro-business loan are as follows:

1. Chinese citizens between the ages of 18 and 65 with full capacity for civil conduct.

2. Have a legitimate and stable occupation and income, and have the ability to repay the principal and interest of the loan on time.

3. Have a good credit record and willingness to repay, and no record of illegal behavior.

4. It is necessary to be able to provide a legal, effective and reliable guarantee recognized by the lending institution.

5. Have a fixed residence in the location of the lending institution, and have a permanent residence or a valid residence certificate.

6. The purpose of the loan is clear and legal, and it complies with the relevant provisions of the loan.

7. Other conditions required by the lending institution.