来源:股城网 | 2021-09-14 14:08:53 |
经营性贷款是指贷款资金只可以用于经营活动,经营贷款一般是为中小企业或者个体工商户提供的。对于一些朋友来说,经营性贷款申请条件是比较在意的。那么,经营性贷款需要什么条件呢?一起来了解一下吧。
经营性贷款申请条件:
年满18周岁,具备完全民事行为能力;是经营者、企业主或主要合伙人或主要自然人股东;在贷款行(贷款机构)有常住户口或固定住所;经营良好,有稳定营收、经济效益佳;财务状况好,具备按期偿还贷款本息的能力;个人信用良好,征信报告里没有不良记录或严重负面信息。
虽然个人经营性贷款的最高额度为1000万元,但可以申请到大额金额的企业并不多。它跟申请人出具的证明材料及抵押物、担保人都有一定的关系,你想要申请大的金额,所出具的证明及抵押物就会更多,所以在申请时,要提前做好评估,看需要申请的资金是否与自己的还贷能力相匹配。
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