I want to open a hotel. How can I get a loan from the bank?

This first depends on the nature of the property. If you have it, you can apply for a mortgage loan from the bank. If it is a lease, it will be difficult for the bank to approve it. There are third-party financial technology companies in the market that can do related services, that is, estimate the future operating capacity of hotels and guesthouses, ensure your repayment ability, and then consider bank loans after reporting. It seems that the loan synonymous with the same trip is like this, and there are others. In addition, you can raise funds. Zhu should first look at the property nature. If it is your own, you can apply for a mortgage loan from the bank. If it is rented, it is difficult for the bank to approve it. There are third-party financial technology companies in the market that can do related services, that is, estimate the future operating capacity of hotels and guesthouses, ensure your repayment ability, and then consider bank loans after reporting.

Paragraph requirements

Personal bank loan terms

1. Natural persons aged between 18 and 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed):

2. Have a stable job and income, and be able to repay the loan principal and interest on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old:

4. Information provided by the borrower

(1) Husband and wife's ID card, household registration book, temporary residence permit and household registration book needed by foreigners;

(2) two copies of marriage certificate, divorce certificate or court judgment and documents;

(3) proof of income (in the format stipulated by the bank):

(4) Copy of the company's business license (official seal):

(5) Credit certificate: including education certificate, other real estate, bank statement, deposit certificate, etc.

Enterprise bank loan conditions

(1) A loan enterprise must be approved and registered by the administrative department for industry and commerce:

(2) Enterprises with fixed business premises, necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability:

(3) It has a sound financial and accounting system, and provides the bank with operating statements and statistical statements;

(four) abide by the laws, regulations and policies of the state, and act in accordance with the law;

(5) Use loans allowed by national policies to encourage industry development.