How to approve bank self-employed loans? Review what?

It is generally more troublesome for self-employed people to apply for loans in banks. Even if the basic conditions are met, you may not be able to apply for a loan, and it is likely to be laid down at the approval stage. In fact, in addition to meeting the basic conditions, it is also necessary to know what the bank specifically examines and make adjustments to help the loan application go smoothly. Today, I will talk to you about what to review for bank self-employed loans.

1, business scope

The business scope and business scope of self-employed individuals is a major focus of bank audit. In order to control risks, banks will not issue loans to self-employed individuals in some high-risk industries. In addition, businesses must be formal and legal. If they are not legal, they cannot apply for loans.

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The operation of the self-employed, whether it is profitable, whether it has a relevant business license, whether the business license has been registered for more than one year, whether it has a fixed business place, etc. , all within the scope of bank audit. These are directly related to whether you have repayment ability after maturity, and repayment ability is also very important in the audit.

3. Qualifications

In addition to your business situation, the qualifications of self-employed individuals are also within the scope of assessment. The more assets, the easier it is to pass the bank audit, and the higher the loan amount.

4. Credit history

The credit records and financial status of self-employed individuals are also within the scope of bank audit. Good credit records and standardized financial conditions are conducive to the success of loan applications. If there is a bad credit record, the loan application will be greatly discounted.

About "How to approve bank self-employed loans? What to review "is introduced here, hoping to help everyone.