What is a personal commercial loan guarantee?

Personal business loan guarantee business: refers to the business that a guarantee company provides guarantee for the financing that a natural person applies to a bank for engaging in production and business activities.

Case: Mr. Chen has a working capital turnover of 4 million yuan due to the company's business needs, and plans to return it monthly in two years. At present, there is no real estate under the names of individuals and companies that can be directly used for mortgage loans, and companies cannot meet the requirements of direct bank loans.

Solution: Mr. Chen Can applied for a working capital loan of 4 million yuan from the bank through the guarantee of Zhonglande. Mr. Chen takes the company's operating income as the source of repayment. With the help of Zhonglande guarantee, Mr. Chen applied for a loan of 4 million yuan from the bank as he wished.

Information requested by customers

●? The original and photocopy of the resident identity card and household registration book (or home visit card) of the guarantee applicant (and spouse, borrower, borrower and owner);

● Customer basic information table;

● List of personal property;

●? The original proof of the marital status of the guarantee applicant;

●? The original and photocopy of the position, professional title, professional qualification and academic certificate of the guarantee applicant;

●? Original documents proving repayment ability, such as income certificate and property status of the guarantee applicant (and spouse, * * * borrower and * * * borrower) (such as villagers' dividend certificate);

●? Proof of water, electricity, telephone and property management fees of the applicant's real address;

●? The business license of the guarantee applicant and the business license of related industries? , tax payment certificate, financial statements, statements, relevant agreements, contracts or other materials used for financing purposes;

●? Ownership certificate and mortgage or pledge list? And the certificate that the person who has the right to dispose of it agrees to mortgage (pledge). ;

●? Other personal and enterprise-related business information and counter-guarantee information provided according to the information list provided by our customers.