2. Prepare the original property ownership certificate and purchase contract of the mortgaged property. If the real estate is mortgaged in other banks, the original loan contract signed by the borrower and other banks shall also be provided.
3, business license, organization code certificate, tax registration certificate, articles of association, statements (need nearly a year's balance sheet and income statement and other copies, and affix the official seal to the copy.
4. Provide a copy of the bank statement of the enterprise account opened by the company in the bank for nearly 6 months, and affix the official seal of the company.
5. Income certificate issued by the unit (only need to affix the official seal of the unit).
6. If your current office space is purchased by yourself, please provide the original room, and we will leave a copy after inspection. If you are renting office space, please provide the original lease contract of business premises, and we will keep a copy after inspection. We also need to provide the original telephone bill or electricity bill of the office for three consecutive months, and we will keep a copy after inspection. Please affix the official seal to the above copy.
7. Provide copies of the company's upstream procurement contract and downstream sales contract, and affix the official seal and riding seal on the copies. The total amount of the upstream contract should cover the amount of the letter of credit. Downstream contracts provide as many big points as possible.
8. Provide as much financial resources as possible in the name of myself and my spouse, and ensure that the loan amount is approved. The proof of economic source includes deposit slip or passbook, stock transaction slip, original household registration book of real estate other than mortgaged real estate, driving book, etc. ).
If you have any difficulties in Beijing, you can call me.
Financial statements (first, the profit must not be negative-the profit must cover your loan interest-the asset-liability ratio is less than 50%-and then it is subdivided into current ratio-quick freezing rate-current account age-the inventory should not be too large-if you apply for a working capital loan, you should also pay attention to the problems of upstream and downstream related enterprises). However, the company's assets, collateral, actual controllers and senior managers' work experience, product market situation and so on are more important.
When applying for a mortgage, banks mainly look at the conditions for buying a house with a mortgage to apply for a loan:
1,18-a natural person aged 65;
2. Hold a valid ID card;
3. Good credit information and no bad records;
4. Have a stable job and a stable income;
5. Commercial housing sales contract or letter of intent with the purchased house;
6. Have the ability to pay the down payment of the purchased house;
7. Open a personal settlement account in a bank with effective guarantee;
8. Other conditions stipulated by the bank.
What kind of information does the bank mainly examine when borrowing from Chengdu Bank? Personal repayment ability is the most important. Generally speaking, the conditions for bank loans are:
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 proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Open a personal settlement account in a loan bank;
7. Other conditions stipulated by the bank.
Where are the balance sheet, income statement and cash flow statement reported to the bank when the bank has loans? Ha, you are lucky for this question. I just applied for a loan from the bank for my company, and the relevant financial report has passed the audit of the bank.
Matters needing attention in making these reports are as follows:
1, revenue and profit should be rising, exceeding the arc of 10- 15; Profit rate 15-30%.
2. The asset-liability ratio (total liabilities/total assets) should be below 60%;
3. The current ratio (current assets/current liabilities) cannot be too low or too high, 2: 1=200%.
4. The quick ratio [(current assets-inventory-prepaid expenses)/current liabilities] cannot be too low or too high, 1: 1= 100%.
5. The net operating cash value of the cash flow statement is positive;
6. The indicators in the schedule (supplementary data) of the cash flow statement must be taken according to the actual situation.
7. In the main table of cash flow statement, the cash received from sales and provision of labor services is the money from export settlement+the money received from domestic operations.
8. The operating accounts receivable and payable items in the supplementary data of the cash flow statement include accounts receivable, other accounts receivable, accounts payable and other accounts payable.
General calculation formula:
Operating accounts receivable [on the balance sheet] = total current assets at the end of the year-total at the beginning of the year-index amount not included in operating accounts receivable at the end of the year.
[Cash, inventory, prepaid expenses]+index amount [cash, inventory, prepaid expenses] not filled in the accounts receivable items that should be operated at the beginning of the year.
Operating accounts payable [on balance sheet] = calculation as above.
Indicators to be noted:
1. Note that the payback period and payment period of accounts receivable and accounts payable should not be too long within 30-60 days (that is, the amount of accounts receivable and accounts payable should be within the latest 65438+ 0.5 months at most).
2. The financial statements should be consistent with the sales income on the tax return.
Remarks:
The above points need attention, which I summarized according to the requirements of the bank for fear of forgetting in the operation when I made the loan statement.
Mainly financial indicators.
The second-hand housing loan bank mainly examines the conditions for applying for loan business:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
What industries do banks mainly lend to? What factors will affect the performance of banks? 1. The bank's loan targets include: industry, agriculture, commerce and service industry. Generally speaking, the industries allowed by the state are the targets of their loan technology, but the banking institutions are selective in the choice of loan targets, and there is no obvious difference at this stage.
Second, there are many factors that affect the performance of banks, mainly including: 1, the influence of the source of funds, that is, the more deposits of deposit institutions, the more funds available to banks, the more loans issued, and the better performance, and vice versa. 2. Intermediary business: The more intermediary business products developed by banks, the higher the income and the better the performance. In recent years, the performance of banks is mainly created by intermediary business. 3. Non-performing assets affect performance. After the loan is released, not 65,438+000% can be recovered, which will lead to non-performing loans and non-performing assets and bring losses to banks. 4. Operating costs and management expenses are also important factors that directly affect performance. There are many factors that affect the performance of banks, but this is the main one.
Is this a good answer? Hmm. How interesting
What are the main banks? Citibank, Hanwha Industrial Bank, Shanhua Bank, HSBC, Hong Kong and Shanghai Bank, Hong Kong Imperial Commercial Bank of Canada, Imperial Commercial Bank of Canada and Royal Bank of Canada. Lloyds Bank of Canada. CreditLyonnais， England Credit Lyonnais Lombard Savings Bank Cassadiris Parmiodelle Province Lombard Italy Mellon National Corp Bank Mellon Corp. Bank of America (full name "Bank of America" People's Trust and Savings Association) Will) Bank American Corp ("Altrustans Banking Associations") Midland Bank, Midland Bank, British Morgan Guarantee Trust Bank Manguaranty Trust Corp. of New York Chemical Bank, New York Chemical Bank, Bank of new york, American Agricultural Credit National Bank, deCaisseNational French Agricultural Credit Bank, Industrial Bank of Japan, United Bank of Japan, Swiss Credit Suisse, Swiss Sanhe Bank, Mitsubishi Bank of Japan, Japan Pacific Security Bank, Westpac Bank, Westpac Bank of Germany, Siana Bank of Australia, MonteDeiPaschiDiSiena, Italian Commercial Bank, BancaCommercialeItaliana, Credit Italia, Sumitomo Trust Bank of China, Italy & First Chicago Bank of China; Japanese banking industry