When applying for a loan, the self-employed must prepare a series of necessary documents and materials. First, business licences are essential, and banks or other financial institutions may require verification of the identity of the borrower, so that the borrower is required to provide a valid copy or original of the licence。

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In addition, personal identification is required. As self-employed persons, the submission of a copy of a personal identity card is one of the basic requirements for applying for credit, which helps financial institutions to identify borrowers。

Next, tax registration certificates are also indispensable. Banks usually require a tax registration certificate for almost a year to assess the borrower ' s business and tax records. Immediately thereafter, tax returns are one of the materials to be submitted, usually for the most recent full tax year, in order to prove the tax status and business status of the enterprise。

Bank bills are also essential. These bills are required to cover the records of recent months in order to demonstrate the liquidity, revenue and expenditure of the enterprise, thus helping the bank to assess the health of the account。

The financial statements also need to be carefully prepared and usually updated in the most recent year or more, including balance sheets and profit statements. This information can assist financial institutions in assessing the profitability and solvency of enterprises。

Personal credit reports are another key document. As an individual, the provision of personal credit reports enables the bank to know the borrower ' s repayment capacity and credit records and to increase the credibility of loan applications。

If the place of business is leased, a lease contract is also required for the duration of the term. This document is used as evidence of your current business environment to ensure legal compliance。

Finally, some copies of documents related to the operation of companies, such as an organizational code card or a licence, may be required, with specific requirements varying depending on the type of loan and the financial institution。