Companies can mortgage loans.

The enterprise mortgage loan shall meet the following conditions:

1. Have business license, tax registration certificate, code certificate, etc. ;

2. Have a loan card issued by the People's Bank of China, and have no bad credit record;

3. The company has been registered and operated for more than one year, and its annual turnover in the latest year is more than three times the loan amount.

The characteristics of enterprise mortgage loan are:

1. The business premises used for mortgage must be a loan owned by the borrower, located in a bustling business district, and used for external rental, and the rent collected is paid as the repayment source;

2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to bond swap funds and funds exceeding the prescribed proportion of project capital;

3. The value of mortgaged property must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction.

① The borrower applies and submits relevant materials;

② Real estate appraisal, pre-loan investigation and approval;

(3) After approval, go through the mortgage registration formalities;

(4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract;

5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.

According to Article 209 of the Civil Code: "The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. The ownership of natural resources owned by the state according to law may not be registered. " Therefore, the company set a mortgage on the property, which was established at the time of registration.

Can the company get a loan? What are the requirements for company loans?

Mortgage loan, working-class consumer loan, corporate loan, credit loan, etc. There are many loan models and ways. So, can the company borrow money? No doubt, yes, but what are the conditions for a company to borrow money? First of all, you can't apply for business loans, but a business license of more than one year is a prerequisite for company loans.

For the level of modern economic development, there are many loan methods, such as housing mortgage loan, mortgage loan, working-class consumer loan, company loan and credit loan. There are many loan models and ways. So, can the company borrow money? No doubt, yes, but what are the conditions for a company to borrow money? First of all, you can't apply for business loans, but a business license of more than one year is a prerequisite for company loans. Let me tell you more about it.

Can the company get a loan?

You can't apply for a commercial loan because a business license is generally required for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months.

What are the requirements for company loans?

Application conditions

1. China citizens with full capacity for civil conduct (excluding Hong Kong, Macao and Taiwan residents), including individual industrial and commercial households, major partners or major natural person shareholders of sole proprietorship/partnership/limited liability companies, etc.

2./kloc-over 0/8 years old and under 60 years old, with a fixed residence, permanent residence or valid residence certificate within the jurisdiction of the branch;

3. The borrower and its business entity have good credit and stable operation;

4. Other conditions stipulated by relevant banks.

Application material

1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;

2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;

3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in business units, rental income, deposits in ICBC or other banks in the last six months, national bonds, funds and other general financial assets certificates. ;

4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;

5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.

6. If the loan is secured, relevant information of the guarantor shall be provided;

7. Other information required by the bank.

Can the company get a loan? I explained to you in detail above, what are the requirements for company loans. First of all, if the company is established for business and the business license is more than one year, the company is the bank running certificate of the public water or the personal conditions of the company as a legal person. I gave my friends a detailed list of the specific information they needed, such as the company legal person and business license, as well as the proof of industrial and commercial registration, which are all essential. Next, it depends on how to borrow money.

How to borrow a company loan?

1. Choose a good enterprise loan type.

Pure credit: tax loan and invoice loan.

Mortgage loan: operating mortgage loan

2. Look at your own business situation.

Establishment time: the minimum establishment time for corporate loans of general banks is over 1 year, and generally it is between 1-3 years;

Company size: Many products will set different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount, quota increase, etc., such as enterprises that recruit disabled people, accept veterans' employment, or enterprises that meet other standards;

Business data: generally, the business process, tax payment data and invoice data of the enterprise are used as the reference for credit granting. The better the data, the higher the credit line;

Bad record: whether the enterprise has execution record or judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;

Industry: whether it belongs to forbidden industries (such as three highs and one limit, finance, entertainment, teaching and training, etc.). ), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;

Location: Many bank products have geographical restrictions. You can read the detailed product introduction before applying to avoid wasting credit information.

3. Conditions of opinion person/shareholder.

Age of legal person: Generally, the corporate loan products of banks require the applicant to be a corporate legal person or a shareholder with more shares, and must be 18 years of age or older. In fact, most banks require them to be over 20 years old;

Legal person's credit investigation: Credit investigation is the key investigation, and it is best to have no overdue records, frequent inquiry records and white households. Products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that a large amount of money cannot be overdue for more than three times in a row, no more than three times in one month, no more than five times in two months and no more than eight times in three months.

Mortgaged property right: If the husband and wife jointly own real estate, they need to check the spouse's credit information when handling mortgage loans. Some products will relax access requirements, and assets under shareholders' names can also be mortgaged;

4. Determine the products and application methods.

At present, there are two ways: offline application and online application. The advantage of online application is that it does not need paper documents, but can be operated on a computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.