How to apply for a business loan without a business license?

It is possible to apply for a personal loan, and the personal loan satisfies:

1. Citizens who are at least 25 years old, have full capacity for civil conduct, and have permanent residence or valid residence certificate in China;

2. Have a fixed job or stable economic income, and be able to ensure the ability to repay principal and interest on time;

3. Good reputation record, no bad reputation record;

4. Able to provide legal and useful guarantee materials recognized by the bank;

5. Other conditions of the bank's rules.

The information required for a personal loan is as follows:

1. The ID card of both married couples, the original marriage certificate and the copy of the marriage certificate, and the household registration book;

2. Confirmation of the income of both husband and wife, family property and other information (work certificate, bank statement, property right certificate, vehicle driving license, etc.);

3. Confirmation of fixed occasions (real estate certificate and water, electricity, gas and other documents within the last three months);

4. Credit investigation and notarization of personal behavior inquiry system.

Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organization, individual industrial and commercial household or a natural person with full civil capacity with the nationality of the People's Republic of China approved and registered by the administrative authority for industry and commerce (or the competent authority), and the borrower shall meet the basic conditions such as having a market for products, efficient production and operation, not misappropriating credit funds, and abiding by credit, and shall meet the following requirements:

1) Have the ability to repay the principal and interest on time, and the original loan interest payable and the loan due have been repaid, and if they have not been repaid, they have made a repayment plan approved by the lender;

2) Except for natural persons and legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures of the industrial and commercial department;

3) Have opened a basic account or a general deposit account;

4) In addition to the provisions of the first day, the cumulative amount of foreign equity investment in limited liability companies and shares does not exceed 50% of their total net assets;

5) The borrower's asset-liability ratio meets the requirements of the lender;

6) Where applying for medium-term or long-term loans, the ratio of the equity of the corporate legal person of the new project to the total investment required for the project shall not be less than the proportion of the capital of the investment project stipulated by the state.

Now you need to provide a business license to apply for a business loan, otherwise the loan will not be successful. However, if you have eligible collateral, you can also apply for a loan through some methods, but it is a little more troublesome and the fee will be a little higher. For qualified users, it is best to prepare a business license before applying for it.

1. Mortgage application materials

The business license is the most basic condition, and the original ID card, a copy of the real estate certificate, a copy of the household registration book, a marriage certificate, a full set of information of the enterprise, bank statements in the past six months, and the purpose of the loan should also be provided.

2. How to get a loan without a business license?

1. Temporarily apply for a business license.

If you can wait, it is best to apply for a business license before applying for a loan, you need to prepare the ID card of the legal person and supervisor, determine the type and name of the company, the registered capital, shareholders and the proportion of capital contribution, apply on the spot or online, and then bring the company application, articles of association, and filing registration form to the industrial and commercial bureau to apply for a business license.

2. Agency company.

There are many people who can help individuals to apply for business licenses, and authorize the relevant information that needs to apply for a business license to the agency company, and they have full authority to handle it, which is more time-saving and labor-saving, but it is necessary to choose a regular company.

3. Intermediary platform.

Some formal intermediary platforms can help with mortgage loans, they are well-connected, experienced, familiar with the bank's loan policies and products, can provide loan assistance to borrowers, and choosing the right intermediary can achieve twice the result with half the effort.

In short, if you don't have a business license, you can apply for a large amount of money through bank consumer loans or mortgage loans, which have a high pass rate and a high amount, which is more suitable for individual users.

No, you cannot. Generally speaking, the basic conditions that need to be met for a personal loan are as follows:

1. Be at least 18 years old and have full capacity for civil conduct, and have a valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay the loan and interest;

3. When the loan business has a requirement for a down payment, have the ability to pay the full down payment;

4. For example, a large amount of personal loan needs to meet the conditions of the collateral required by the bank;

5. If you apply for a credit loan, you need to have a good reputation;

6. Meet other conditions required by the bank.

Extended Information: 1. How to get a personal loan?

1.Before applying for a loan, users can first consult with the bank or other loan companies. Compare different agencies and choose the one that suits you best.

2.Next, you can prepare personal information, and the specific information will be informed by the institution that handled the loan. Different types of loans require different information when applying for loans, common types of loans are mortgages, credit loans, business loans, etc., when taking out loans, different types of loans give different loan amounts and loan interest rates, and you can spend less interest when you get preferential loan interest rates.

Different types of loans have different repayment methods, and the common repayment methods include equal principal and interest, equal principal, interest first and principal later, one-time repayment of principal and interest, etc.; Generally, when taking out a loan, the bank will provide several repayment methods for the borrower to choose, and the borrower can choose according to his own income. The basic conditions for applying for a loan include that the borrower is at least 18 years old and has full capacity for civil conduct; Have a stable job and be able to pay off your arrears on time; Good personal credit; Submit bank statements for the last six months; After all other conditions stipulated by the bank are met, the loan can be taken.

2. How to get a loan for an enterprise?

1 Select the lending bank.

According to the regulations of the financial regulatory authorities, banks can raise or lower the loan interest rate within a certain range when issuing commercial loans, for example, the loan interest rate of many local banks can be raised by 30%. In fact, going to the bank for a loan is the same as going to the market to buy things, picking and choosing, and shopping around to choose high-quality and low-cost goods. Comparatively speaking, the loan interest rate of state-owned commercial banks is lower, but the formalities are stricter.

If your loan procedures are complete, in order to save financing costs, you can use the personal "inquiry and bidding" method to compare the loan interest rates and other additional charges of various banks, and choose a low-cost bank to handle the mortgage, pledge or guarantee loan.

2 Housing loans are also available.

If you have the intention to buy a house and have enough money to buy a house, then "misappropriate" the money to start a business, and then apply to the bank for a housing mortgage loan. Housing loan is the lowest interest rate in commercial loans, such as the annual interest rate of housing loans within 5 years, and the annual interest rate of ordinary 3-5 years commercial loans, the difference between the two is one percentage point, this curve loan method is used for lower cost of entrepreneurship. If the entrepreneur has already purchased a house, he can also use the existing house as collateral to apply for an ordinary commercial loan, which is not limited to the purpose and can be used as start-up capital.

1. You can take out a loan with a business license, but at the same time, you must meet the conditions for the loan. A business license is a necessary material for enterprises to apply for loans, but a separate business license cannot make loans. In addition, the general bank regulations are that you can apply for a loan only after applying for a business license for at least one year, and a few financial institutions have lowered the threshold to half a year.

2. Legal basis: Article 11 of the Interim Measures for Personal Loans.

A personal loan application should meet the following conditions:

1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

2) The purpose of the loan is clear and legitimate;

3) The amount, term and currency of the loan application are reasonable;

4) The borrower has the willingness and ability to repay;

5) The borrower has a good credit status and no major bad credit records;

6) Other conditions required by the lender.

2. Can I get a loan to buy a storefront?

There are personal commercial housing loans, which are issued to natural persons for the purchase of various types of commercial properties. Commercial and residential housing loans are treated as commercial housing loans. It is mainly used for the purchase of façade shops, office buildings and commercial and residential buildings.

The commercial building purchased by the loan must comply with the local urban planning, and the project must be legal and compliant to meet the local market demand.

For first-hand commercial premises:

1. Developers and real estate projects must meet the basic requirements for developers and real estate projects for first-hand housing loans.

2. The developer has a comprehensive feasibility study on the operation of the project, and has a clear and realistic planning and positioning for the future use of the project and the real estate.

3. The reservation and sales of the purchased first-hand commercial housing project are good.

4. The purchased first-hand commercial house should not have any factors that hinder the application of property right certificates, and can be listed and circulated without restrictions.

5. The loan to purchase first-hand commercial real estate must comply with the relevant provisions of the state.

The details of applying for a loan with a business license are as follows:

1. The original ID card, household registration book and the copy consistent with the original;

2. Provide the original and copy of the business license and tax registration certificate that have passed the annual inspection;

3. Relevant materials that can prove their legitimate income;

4. Relevant materials that can prove their marital status;

5. Provide legal and sufficient collateral and appraisal reports;

6. The mortgagor or pledgor fills in the pledge (pledge) letter formatted by the Bank;

7. Other materials required by the bank.

Legal basisArticle 18 of the Measures for Loans Pledged by Individual Time Deposit Certificates.

Before the maturity date of the loan, the borrower can apply for an extension. The lender shall reasonably determine the extension period of the loan in accordance with the borrower's credit standing and the actual needs of production and operation, and in accordance with the principle of prudent management, but the cumulative term of the loan shall not exceed the maturity date of the pledged certificate of deposit.

What are the application conditions that need to be met for a business license to apply for a loan?

1. Have full capacity for civil conduct and have a local household registration;

3. It can provide legal, sufficient value and easy to realize the mortgage and pledge;

4. Open a deposit account with the Bank.

When it comes to applying for loans, because everyone's qualifications are different, the choice of loan products will be different, but no matter what, under the premise that the loan cost remains the same, everyone will choose a loan product that is easier to pass the approval.

Credit loans: Most of the online borrowing products are credit loans, such as Ctrip Finance, Zhaolian Good Loan, and Beiyin Consumer E-Loan, and the application information is generally ID card and bank card, which is relatively simple, if the credit is good, and there is a stable job and income**, it is easy to apply for this type of loan product through approval.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" in June 2018), a big brand with reliable and low interest rates. With money to spend - full easy loan, the maximum amount of borrowing is 200,000, the daily interest rate is as low as low, and it has the characteristics of simple application, low interest rate, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

IOUs. Apply for 360 IOUs, apply purely online, the system will automatically approve, the application can be completed in 1 minute, the fastest 5 minutes to issue the limit, the maximum loan amount is 200,000, and a credit can be recycled, the amount is not used, there is no charge, and the lowest daily interest rate is.

3. Baixin Bank.

Apply for a loan from Baixin Bank, you can disburse the loan in 1 minute at the earliest, and you can repay it randomly, and there is no handling fee for early repayment. Bacera Bank has relatively strict age requirements for borrowers, and borrowers must be 25-50 years old and have a high school degree or above.

Which platform is good for business license loans, and how to get business license loans.

The conditions for the business license loan are as follows:

General banks will require more than one year of operation, and it is estimated that the new business executive group Xiangzhao cannot take out a loan, but the requirements of different banks are also different, so you can ask a few more banks.

Which platform is good for business license loans:

Agricultural Bank of China micro-quick loan.

ABC's micro-quick loan is also for small and micro enterprises, and you can apply for it through online banking or mobile banking. The loan amount of ABC's micro-fast loan can reach 1 million, and the loan term is 12 months.

WeBank small and micro enterprise loans.

WeBank's small and micro enterprise loans are loans that can be handled with a business license, and the main open areas are Guangdong Province, Jiangsu Province, Hunan Province, Shandong Province, Tianjin City, Shaanxi Province, Zhejiang Province, Henan Province, Chongqing Municipality, Yunnan Province, and Jiangxi Province. The loan amount for small and micro enterprises can reach 3 million yuan, and the loan term is up to 36 installments.

CCB Hui understands you.

CCB Yu Bohui understands that you are a small and micro enterprise APP of CCB, and you can apply for loans for the majority of enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses, tax information, etc., and the term of use is 12 months.

When everyone is short of funds, I use no less than 10 loan products myself, and on the whole, it is still more recommended to have money to spend with Xiaoman (formerly known as finance), for reasons such as up and down: 1. Compared with the invitation system of borrowing and micro loans, you can take the initiative to apply if you have money to spend. 2. The maximum amount is 200,000, the minimum annualized, and the account arrives in 3 minutes, which is already very useful; 3. Regular big platform, don't worry about routines;

4. The general formal product review is relatively strict, although it is easy to use, but it is difficult to apply, and it is the same if you have money to spend, but I am looking for an exclusive application channel for internal personnel, and the next payment rate is very high, so it is the most recommended product in the product, there is no one, since it is recommended to everyone, and the exclusive application channel is presented, and friends in need apply for it themselves, just remember to use it on the same day to get the quota, otherwise it may be withdrawn.

There is another one: 360 IOU is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone, with a limit of less than 200,000 yuan, a term of use between 1-12 months, and a daily interest rate that can be as low as. As a platform under the network security giant, 360 IOUs are still more reliable than general platforms.

360 IOUs can borrow up to 200,000!

Third, the "New First Loan" is an unsecured RMB loan business owned or issued by Ping An Bank for personal legal consumption or business purposes other than the purchase of housing. The information is complete, and the loan will be disbursed within 1-3 working days.

Low application threshold: you can apply with an average monthly income of more than 4,000 yuan (car loan, housing loan, provident fund, insurance policy is preferred), the amount is appropriate, and the repayment is flexible: the loan amount is RMB 10,000 to RMB 500,000; The loan term is 12 months, 24 months, 36 months, and up to 48 months for good occupations.