Excuse me, what are the conditions for Shenzhen Bank of China's investment loan?

Conditions for handling merchant loans in Shenzhen:

1. Small and micro enterprise owners, including individual industrial and commercial operators, investors of sole proprietorship enterprises and partners of partnership enterprises, who adopt the joint liability guarantee of third-party natural persons, performance guarantee insurance, or a combination of both, must install and use our POS machines for more than half a year (inclusive).

2. The borrower is at least 23 years old, and the sum of age plus (online) loan term is not more than 65 years old.

3. Restricted industries include KTV, nightclubs, foot washing services, Internet cafes and other entertainment industries.

4. It has a fixed business place and is operating normally at present.

5. The borrower's business operation time is not less than 2 years.

6. The borrower's personal and family net assets (excluding the company's shares, accounts receivable, inventory and other company assets. ) more than 500,000 yuan (inclusive).

7. Open a corporate or private main current account with our bank.

According to the qualification of the borrower, the following guarantee methods can be selected:

1. Provide collateral that meets our requirements as a guarantee, with a maximum loan amount of 3 million yuan and a certain proportion of the total value of collateral;

(1) The residence shall not exceed 70% of the total value of the mortgaged property.

(2) Commercial property shall not exceed 50% of the total assessed value of collateral.

2. The financing guarantee company recognized by the bank provides guarantee, and the loan amount is up to 3 million yuan.

3. BOC Insurance Company's performance guarantee insurance, and third-party natural person's joint liability guarantee. The guarantor must be a deep household or a natural person with good credit standing who owns a deep house and whose family net assets exceed the loan amount; The maximum loan amount is 500,000 yuan.

4. Provide performance guarantee insurance for BOC Insurance Company with a maximum loan amount of 500,000 yuan.

5. A third party natural person shall provide joint and several liability guarantee. The guarantor should be a deep household or a natural person with good credit standing who owns a deep house and whose family net assets exceed the loan amount. The maximum loan amount is 500,000 yuan.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.