2. Loan application materials: loan application report (loan application reason, loan purpose, loan term, repayment source, repayment and interest payment method, etc.). ), the lender's identity certificate (copy of business license, copy of organization code certificate, copy of tax registration certificate, enterprise loan card information, etc. (provided by the legal person), the identity certificates and related resumes of leaders such as legal representative, principal responsible person of the company and financial controller, and the company's operation report (introduction of the enterprise and operation mode). Development planning and other explanatory materials), property rights materials of related assets (mortgaged or pledged property), financial statements (assets and liabilities, cash flow, etc.). ) Bank statements for the last three years and the last three quarters (basic account, general account journal of last quarter), etc.
3. If the bank thinks it is unqualified after examination, it is suggested that the guarantee company also provide a set of the above materials.
4. The guarantee company shall conduct pre-insurance investigation and actively cooperate. The counter-guarantee measures of guarantee companies are broader than those of banks. Many banks do not recognize mortgage and pledge guarantee measures, and guarantee companies can accept them. Banks generally give a maximum discount of 30% for real estate, especially real estate mortgage, and guarantee companies can give 7.5 or even 20% discount, which is not as strict as banks.
Compared with banks, the fees charged by guarantee companies are much lower. In developed areas, the guarantee fee is generally charged at about 50% of the bank interest rate. For example, the bank's interest rate is 5.8 1%/ year, and the guarantee company only charges 2.9 1%/ year, and the consultation and evaluation fee is about 0.5%- 1% of the loan amount.