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How some self-employed people use business license loans in the process of business operation , there are often times when funds are needed. So how should a self-employed person apply for a personal business loan?
Due to the large liquidity of funds in the hands of individual households, it is easy to encounter difficulties in capital turnover during the operation process. At this time, many people will think of loans. However, compared with wage earners, it is slightly more difficult for self-employed individuals to apply for loans, because their repayment ability is usually questioned by lenders on how to use business license loans . At present, there are three ways to obtain self-employed loans:
In fact, mortgage loans are very versatile. Whether it is an individual or an enterprise, as long as they can provide the required collateral and meet the loan requirements, they can successfully obtain a loan.
Now many lending institutions have also launched credit loan products for self-employed individuals. For example, a certain financial institution can apply for a loan as long as the borrower has a good credit record and can provide materials such as residence certificate, business license, and bank flow; and financial institutions, As long as the borrower has been registered and operated locally for one year or more, the average monthly turnover is not less than 20,000 yuan, and the credit record is good, he can apply for a loan.
If the qualification of self-employed borrowers is not very good, you can find a formal guarantee company as a guarantee, which will help you get a loan smoothly, but the cost of loaning in this way is relatively high, because the borrower has to pay the guarantee fee in addition to the loan interest. .
The self-employed loan application materials include the following: the borrower’s valid identity document, proof of residence address, marriage certificate or unmarried certificate, business license for self-employed industrial and commercial households , organizational structure code, tax registration certificate, purchase and sales contract, etc.