No need. Enterprise loans do not need to be signed by both husband and wife. If the legal person only handles the loan business on behalf of the enterprise, then the signature of the spouse is not required, and the bank will inquire about the credit information of the legal person and the enterprise. After the loan is reached, the legal person has nothing to do with the loan and does not need to bear the repayment responsibility. If the legal person takes personal assets as the guarantee, then the assets, as the joint property of husband and wife, need the signature and consent of the spouse to take effect. Once the enterprise loan defaults, the assets guaranteed by the legal person can be used for repayment. Application conditions: it conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; The enterprise has a good reputation in various commercial banks and has no bad credit record; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection; It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits; Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors; The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; Abide by the industrial credit policies related to small businesses; Abide by national financial regulations and policies and relevant bank regulations; Open a basic settlement account or a general settlement account with the applicant bank. Legal basis: Article 3 of People's Republic of China (PRC) Company Law is an enterprise legal person with independent legal person property and legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.
Second, does the loan need to be signed by both husband and wife?
Yes, to buy a house after marriage, both husband and wife have to sign a loan.
3. Does the company need both husband and wife to sign a bank loan? Yes
If you want to go to the bank, you need the signature of both husband and wife.
4. Does the enterprise loan need to be signed by both husband and wife?
Legal analysis: If the legal person only handles the loan business on behalf of the enterprise, the bank will inquire about the credit information of the legal person and the enterprise. After the loan is reached, the legal person has nothing to do with the loan and does not need to bear the repayment responsibility. If the legal person and the spouse share the same property, the assets guaranteed by the legal person can be used for repayment.
Legal basis: Article 3 of the Company Law of People's Republic of China (PRC), an enterprise as a legal person has independent legal person property and is liable for its debts. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.