I. What documents are required for Farmers and Merchants Bank Family Friendly Loan?
Identity card, bank current and so on.
Documents needed for a bank loan:
1. Valid ID.
2, proof of permanent residence or valid proof of residence and proof of fixed abode.
3, proof of marital status.
4, bank current.
5, proof of income or proof of personal asset status.
6, credit report.
7, loan purpose use plan or statement.
8, other information required by the bank.
I, basic information rural commercial banks, referred to as: agricultural commercial banks, is by the jurisdiction of farmers, rural industrial and commercial households, business corporations and other economic organizations *** with the shareholding system of local financial institutions. Rural cooperative banks to be fully restructured into rural commercial banks.
Two, the agricultural bank loan conditions
1, the applicant for the Chinese people *** and the country legal citizens, no criminal record;
2, the applicant's age is between 18 years old and 60 years old;
3, in the local application for a loan has a stable residence, and can provide proof;
4, there are the account of the Agricultural Bank of Commerce
5, other requirements of the Farmers and Merchants Bank loan.
Three, other conditions
1, for the mortgage to provide real estate can be, through the assessment, more than 70% of the value of the loan home.
2, if there is no real estate mortgage or the need for funds is relatively small, you can also apply for a small credit loan. Application for Farmers and Merchants Bank loans need to pay attention to is that the applicant has good credit, no bad credit record, the purpose of the loan can not be used as a home purchase, speculation, gambling and other behaviors; you just need to comply with the bank's personal application conditions after the provision of identity cards, proof of a stable address, a stable source of income to prove that you can handle the business.
Four, rural commercial bank loan process:
1, voluntary application. Qualified applicants, to the household or business location of the grass-roots employment platform (some can be directly to the local human resources and social security departments or guarantee agencies) to submit a written application, and submit relevant information, documents or relevant certificates;
2, review and recommendation. Human resources and social security departments to carry out qualification examination, the examination of qualified recommended to the guarantee agency. Guarantee agency refers to the guarantee agency entrusted with the operation of the guarantee fund in accordance with the relevant provisions;
3, commitment guarantee. Guarantee institutions in accordance with the relevant provisions of the project review of the applicant, qualified for the commitment to guarantee procedures;
4, the issuance of loans. Commitment to guarantee institutions to guarantee the borrower applicant, the bank in accordance with the relevant provisions of the approval of the contract signed after the issuance of loans. The bank refers to the cooperation agreement signed with the guarantee agency to carry out small guaranteed loan business at all levels and types of financial institutions.
Two, what documents are needed for the 2017 Rural Agricultural and Commercial Bank 21,000 30,000
Personal entrepreneurial loans entrepreneurial loans refers to the banks to support the development of the private economy, private enterprises, self-employed people, follow the relevant state policies, the introduction of the loan for individuals, used to engage in production and business activities capital needs, designed to help The aim is to help individuals who are in urgent need of career development to realize their goals as soon as possible.
At present, many banks are launching short-term small business financing business for individuals, which can often play a role in sending charcoal to the operators in the start-up period. As early as August 2003, the Bank of China, Everbright Bank, Guangdong Development Bank, CITIC Bank and other financial institutions have launched a "personal business loans" program, while the Agricultural Bank of China as early as September 2002 launched the "personal production and management loan management approach" and has been in operation.
But because of the high market demand for business loans, the threshold for applying for such loans is relatively high. There are many applicants, but very few get the money. The reason for this is that banks are, after all, commercial organizations, and the first thing they consider in granting loans is the safety of the funds. For the safety of loan funds, the threshold is often raised a little higher, or a little stricter.
Therefore, strict loan evaluation has become one of the characteristics of business loans. Banks generally require three conditions for providing loans to individuals or businesses: pledge, collateral, and guarantee. If you can provide the information required by the bank and can provide suitable collateral, it is not difficult to get a loan. Usually, you can obtain the funds within a month after providing complete relevant information and supporting documents.
Application conditions
(1) eighteen years of age, with a legally valid identification and legal proof of residence in the location of the lending bank, with a fixed residence or place of business; (2) hold a business license issued by the administrative authorities of industry and commerce and the business license of the relevant industry, engaged in legitimate production and business activities, with a stable income and the ability to repay the principal and interest; (3) the borrower investment project has a certain amount of its own funds; (4) the use of loans in line with the relevant state laws and the Bank's credit policy, not allowed to be used for equity investment; (5) in the Bank to open a settlement account, business income through the Bank settlement.
In addition, there are some requirements of the start-up bank, such as the need for the Bank to open a settlement account in order to carry out daily settlement through the processing bank.
Application materials
There are three important points when applying for this type of loan:
First, the loan applicant must have a fixed residence or place of business. Second, business license and business permit, stable income and the ability to repay the principal and interest; the third and most important point is that the entrepreneur has invested in the project has a certain amount of its own funds.
With the above conditions can apply to the bank, the application needs to provide information mainly include: proof of marital status, personal or family income and property status and other documents to prove the repayment ability; loan purposes in the relevant agreements, contracts; collateral materials, involving collateral or pledge ownership certificates and lists, the bank's recognized appraisal of the assessment issued by the Department of valuation of the collateral (pledge) report.
In addition to written materials is to have collateral. There are many types of collateral, including movable and immovable property, time deposit certificates, securities, movable assets with strong liquidity, and guarantees from guarantors who meet the requirements. The amount of issuance is then determined by the specific type of security.
Amount Requirements
Entrepreneurial loan amount requirements in general: up to 70% of the borrower's working capital required for normal production and business activities, the purchase (installation or repair) of small-scale equipment (machinery), as well as the total amount of funds required for franchising chain operations;
Terms are generally two years, the maximum length of three years, of which the maximum period of the production and operation of the liquidity loan for one year;
The term is generally two years, the maximum length of three years, in which the production and operation of the liquidity loan term is one year. year;
Personal entrepreneurial loans to implement the People's Bank of China promulgated the term of the loan interest rate, can be up and down within the range of the prescribed range.
Loan repayment method
1, the loan period in one year (including one year) within the personal business loans, the implementation of the maturity of a single repayment of principal and interest, interest with the principal;
2, the loan period of more than one year of personal business loans, loan principal and interest repayment can be used in an equal amount of principal and interest repayment or equivalent repayment of principal and interest, or may be repaid by other means agreed upon by the two sides.
Related preferential policies depend on your local government. Some of the local governments are trying to find ways to help private companies and individuals to get into the spirit of entrepreneurship and encouragement.
Three, 2017 Rural Agricultural and Commercial Bank 2 1 3 million what documents are needed
Processing bank
1. Valid identity documents;
2. Proof of permanent household registration or a valid residence;
3. Proof of marital status;
4. Bank stream;
5. Proof of income or proof of personal asset status;
6. Credit report;
7. Plan or statement on the use of the loan purpose;
8. Other information required by the bank.
Four, 2017 Rural Agricultural and Commercial Bank 21,000 30,000 what documents are needed
For bank loans need to prepare information:
1. Valid identity documents;
2. Proof of permanent household registration or valid proof of residency, and proof of fixed abode;
3. Proof of marital status;
4. Bank current;
5. Proof of income or proof of personal assets;
6. Credit report;
7. Plan or statement of the use of the loan purpose;
8. Other information required by the bank.