1. To borrow money from a bank, it is mainly necessary to have legal enterprise legal person qualification, loan card certificate, good credit and sufficient collateral, and open a general account or basic deposit account in the bank, with frequent fund settlement and large capital flow; There is a credit rating according to the requirements of the loan bank, and the success rate of reaching Grade A or above is generally higher. Then put forward the credit demand to the bank, including loan amount, term, interest rate level and guarantee conditions (mainly divided into credit, mortgage pledge and third-party guarantee). The bank's loan officer or account manager will help you sort out the application materials and attend the bank's credit approval meeting. The waiting time for approval results is generally between 1-3 months. If the bank agrees to give you a loan, then the bank will handle the loan formalities for you. You must use the loan according to the relevant requirements of the approval, and repay the principal and interest on time according to the amount. There is no necessary proportion requirement between current assets and fixed assets, but the asset-liability ratio is generally not too high, and different industries have different proportion requirements; In addition, the current ratio and quick ratio should generally not be lower than 1, and the inventory turnover rate and accounts receivable turnover rate should not be too low. There is no invoice for fixed assets, see how you get it. If it's illegal, it can't be done. First of all, it shows that your company's credit level is not good. What documents did you use to access the account? , it is necessary to provide the bank with major statements such as balance sheet, income statement and cash flow statement audited by certified public accountants of accounting firms. Banks generally don't read the company's vouchers and accounts carefully, but accountants will ask them to read the audited statements carefully. Ok, I hope you can successfully apply for a bank loan by strengthening your own management and improving the credit level of your enterprise.

How to get a personal loan of 50 thousand

If an individual wants to borrow 50,000 yuan, he can choose to apply for a credit loan. You can bring your personal ID card, residence certificate (household registration book or temporary residence permit) and income certificate (such as bank account number and payroll) to the selected bank or other licensed financial institution outlets to find a staff member to apply for a loan.

Of course, customers can also borrow money directly from the loan platform through online channels. Many banks also provide online loan products, and customers can also apply online through online banking/mobile banking and other channels.

In terms of credit loans, as long as the customer 18 is over one year old, he has full capacity for civil conduct; And personal credit is good, and there is no bad record (big data) in the credit report; And have a stable source of income, have the ability to repay the principal and interest of the loan on time, and generally can be successfully approved.

I suggest you go to Yingxin to get a personal credit big data report and look at your comprehensive credit score before applying for a loan. The higher the score, the greater the probability of success.

In addition to credit loans, if a customer has certain assets under his name, he can also mortgage the assets to apply for mortgage loans. Just prepare the relevant ownership certificate of the collateral when applying. Note that collateral must have sufficient value space and clear ownership. If it is not unique to individuals, it must also obtain the written consent of the property owner.

Extended data:

What are the requirements?

One is the basic conditions: for example, the age should meet the requirements, generally 22 to 55 years old; There are also restrictions on the identity of borrowers, except for college students' loans, other loans will require non-school students to handle; There is also repayment ability and good credit, because the loan must be repaid after the loan.

One is special requirements: according to different loan types, such as mortgage loans, there are requirements for collateral, and the property right certificate of collateral must be provided and the collateral should be valued.

What are the conditions for a bank loan of 50,000 yuan?

1, must be a China citizen with full capacity for civil conduct, generally required to be between 18-60 years old, and some banks will limit it to 25-50 years old;

2. Have a fixed residence in China, or have a fixed residence in a local town (or a valid residence certificate), or have a fixed business place;

3. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;

4. There is no bad credit record, and the loan funds cannot be used for stock trading, house purchase and gambling;

5. Other conditions stipulated by all banks.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks, the loan interest rate of commercial banks to customers and the interbank lending rate.

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate also needs to consider the influence of price changes, securities returns, political factors and other related factors.

What are the requirements for a loan of 50,000 yuan from the bank?

The conditions for a bank loan of 50,000 yuan are as follows:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct. 2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule. 3. Have a good credit record and willingness to repay, and no bad credit record. 4. It can provide legal, effective and reliable guarantees recognized by banks. 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Open a personal settlement account in the bank.

The process of bank loan: 1. To prepare for the loan, the applicant needs to prepare personal ID card, household registration book, income certificate, marital status certificate and other materials. 2. The applicant applies for a loan at the counter of the bank business hall, submits relevant materials as required, and fills in the loan application form. 3. Pre-loan approval The applicant accepts the pre-loan review of the bank, mainly to check the personal debt and credit status, and will inform the applicant of the results after approval. 4. If the signing of the loan contract is approved, the bank will sign the loan contract with the applicant and stipulate the loan term and interest rate. To apply for mortgage loan with collateral, mortgage registration is required. 5. Bank loan The bank will issue the loan to the applicant's personal account within the specified date, and the applicant will repay the loan on schedule.

So much about how to get a loan of 50,000 yuan.