What Are the Different Types of Self-Employment Loans?
The operating income is used as the basis for judging the loan amount. It is used for consumer purposes other than personal house purchase (for self-employed persons, the proof of use must refer to the salaried person) or the unsecured RMB loan of the working capital working capital turnover. Loan limit: (1) the lower limit of the loan amount is 50,000 yuan; (2) the upper limit of the loan amount is 300,000 yuan.
China Ping An Self-Employed Unsecured Loan
Right!
- Chinese name
- China Ping An Self-Employed Unsecured Loan
- Lending institution
- Ping An of China
- Loan type
- Pure credit unsecured loan
- Loan currency
- RMB
- Suitable area
- Hangzhou
- Repayment
- Installment repayment
- The operating income is used as the basis for judging the loan amount. It is used for consumer purposes other than personal house purchase (for self-employed persons, the proof of use must refer to the salaried person) or the unsecured RMB loan of the working capital working capital turnover. Loan limit: (1) the lower limit of the loan amount is 50,000 yuan; (2) the upper limit of the loan amount is 300,000 yuan.
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- Self-employed persons must have property. "Has a real estate", that is, there is a real estate under its name (including unfinished mortgaged real estate) and the China Merchants Bank can verify it through the Land and Resources Bureau system or other channels (unable to verify it is deemed to not meet this condition). Approved.
- 1. The loan term can be 12, 24, 36 months
- 2. The loan amount is between 10,000 and 360,000
- 1. Borrowing subject:
(1) Company shareholders: Investors of a company established in accordance with the law, who have registered more than 10% (excluding) shares in valid legal documents such as the company's articles of association and industrial and commercial registration information;
(2) the person in charge of a private enterprise: the person in charge of a sole proprietorship established according to law;
(3) The person in charge of an individual industrial and commercial household established in accordance with the law;
(4) Partners registered in the partnership agreement of a lawfully established partnership enterprise.
For a natural person who establishes a legal person enterprise or other operating entity and holds more than 10% of shares or investment shares in the above operating entity, the main source of personal income is the operating income of the above operating entity 2. Age: 25-55 years old;
3. Business life: Registered and established for more than 2 years according to law (Dongguan, Huizhou, Guangzhou, Quanzhou, Zhongshan, self-employed credit loans for self-employed individual businesses or enterprises need to be established for more than 2 years, and the annual turnover of self-employed individuals is 60 More than 10,000 yuan, 100% of the company's annual turnover is 1.2 million.)
4. Monthly profit income: more than 1w; self-employed person estimates the upper limit of income of 100,000, and those exceeding the upper limit are determined according to the upper limit.
5. Credit information: (1) No bad credit records; (2) Blank credit records will not be accepted. A blank credit record refers to: the PBOC credit information system cannot find any records or there is no credit information in the credit record, including the situation where the credit card is not activated or used. If the company has a loan card, it is also necessary to check the company loan card; (3) For other credit information requirements, please refer to Ping An Xinyi Loan.
6. Business place: The business entity must be registered at the location of the branch office of Ping An Bank and have a fixed business place.
- In addition to the current "new one loan" unsecured loan (salted person) credit policy requirements, in addition to the second-generation ID card and loan use certification information, you must also provide:
- 1. The business entity's annual inspection business license, industrial and commercial registration inquiry information that can show the establishment time, business scope, and equity composition of the business (limited to companies and partnerships). If it is not possible to provide industrial and commercial registration inquiry information, the company's articles of association and partnership agreement should be provided (Courtesy of the partnership).
- 2. Property lease contract of the business place, invoices for rent payment or utility bills, receipts and proof of property rights of the lessor in the last 3 periods. For own property, proof of title must be provided.
- 3. The management flow of the personal name or business account of the individual in the last year.
- 4. Certificate of residence: The certificate of residence can be any document with the name of the borrower in the current place of residence within the past 60 days, including: tax bill, local tax invoice, monthly bank statement, monthly credit card statement, electricity bill / water Bills / gas bills / phone bills, mobile phone bills / network service bills / cable TV bills, lease contracts, etc.
(1) If you provide a lease contract, you must also provide bank flow for 3 consecutive months; otherwise, you must provide a copy of the lessor's ID card and an original water, electricity, and gas document within 60 days.
(2) If you provide a qualified residence certificate in the name of your spouse or parents, you must also provide a marriage certificate or household register. The borrower who provides the household register must be on the same household register as the parents.
(3) The place of residence is the data review standard for own property. 1) Original title certificate (including pre-sale contract, relocation agreement). 2) If the property right certificate is mortgaged elsewhere, the copy of the property right certificate + the original mortgage loan contract shall be provided in combination with the loan record in the personal credit report for confirmation. 3) The property right certificate is mortgaged at Ping An Bank, then provide a "copy of property right certificate or loan contract" and verify it in Ping An Bank's personal loan system records.
- 5. Proof of real estate in the name of the borrower or his / her spouse (provided when needed. Those with a mortgage loan record may not be provided).