What Are Private Investor Loans?

Personal investment and operation loans refer to loans issued by banks to solve the capital turnover required by borrowing customers during the investment and operation process. The borrowing client refers to a natural person in China with full civil capacity, including a sole proprietorship, which is established in China according to law, invested by a natural person, the property is owned by the investor, and the investor bears unlimited liability for corporate debt with his personal property Operating entity.

Personal investment business loan

Personal investment and operation loans refer to loans issued by banks to solve the capital turnover required by borrowing customers during the investment and operation process. The borrowing client refers to a natural person in China with full civil capacity, including a sole proprietorship, which is established in China according to law, invested by a natural person, the property is owned by the investor, and the investor bears unlimited liability for corporate debt with his personal property Operating entity.

Chinese name

Personal investment business loan

Application information

Loan use document

Application conditions

Permanent residence in a city or valid residence status

Use of loan

Project investment loan

2. Proof of loan use, such as

Personal investment business loan

In order to apply for a personal investment and business loan, the borrower must have the following conditions in addition to the basic conditions of a product with a market, efficient operation, and repayment guarantees:

1.Have permanent residence in a city or valid residence status;

2.No bad social credit record, good credit;

3.Open a general deposit account with a loan bank;

4.The market prospects of operating products are good and the economic benefits are good;

5.Operating conditions and financial conditions are good;

6.Able to provide effective guarantees recognized by lenders;

7.

Before signing a loan contract, to provide a bank-approved property mortgage, pledge or irrevocable joint and several liability guarantee of a third party, the guarantor must sign a written guarantee contract.

1. When applying for a loan by mortgage, the collateral must comply with the relevant provisions of the "Guarantee Law of the People's Republic of China". Mortgage by real estate should comply with the "Measures for the Administration of Urban Real Estate Mortgage" of the Ministry of Construction of the People's Republic of China. The full value of the real estate is used for the mortgage of the loan, and its mortgage rate should generally not exceed 50%. At the same time, the borrower must register the mortgaged property in accordance with the relevant provisions of the Guarantee Law of the People's Republic of China before obtaining the loan.

2. When applying for a loan by way of pledge, the pledge is limited to the deposit certificate of deposit issued by a commercial bank,

The borrower should apply for collateral insurance according to the requirements of the bank. The insurance period is not shorter than the borrowing period, and the insured amount is not less than the sum of the loan principal and interest. The insurance policy should indicate that the bank is the first beneficiary. The insurance policy must not have any Restricting conditions that harm the rights and interests of the bank, all expenses required for insurance shall be borne by the borrower. During the outstanding period of the loan, the original insurance policy is handed over to the bank.

During the insurance period, the borrower must not interrupt or cancel the insurance for any reason; if the insurance is interrupted, the bank has the right to apply for insurance, and all costs shall be borne by the borrower; during the insurance period, if damage occurs outside the scope of insurance liability, the borrower shall Notify the bank in a timely manner and implement other guarantees.

After the loan contract is signed, the bank shall notify the borrower to open a relevant account with the bank at a designated time and go through the formalities for using the funds. Within 5 working days from the effective date of the arrival / pledge contract or guarantee contract, the bank will transfer the loan to the account opened by the borrower in the bank or the designated dealer account according to the payment plan agreed in the loan contract, and the bank shall Supervised use.

Both the borrower and the lender shall clearly stipulate the loan repayment method and the principal and interest payment plan in the loan contract.

The term of personal investment and business loan shall not exceed 3 years (including 3 years);

Application information for personal investment business loan

1. Eligibility certification documents, such as identity cards, household registration books or other valid residence permits, business licenses, etc .;

2. Certificates of loan use, such as purchase and sales contracts;

3. Financial statements (or operating income certificates), tax bills and other repayment ability certificates of the operating enterprise;

4. Proof of fixed occupation and stable economic income; ^[2]

5. Application for loan (the content should include the borrower's resume, work performance, feasibility study report of the investment project, repayment source, guarantee situation, amount and period of loan application);

6. Self-owned funds or proof of payment not less than 30% of the total investment amount of the investment project;

7. Other documents required by the bank. The documents provided by the borrower shall be true and legal.