Can investment banks grant long-term loans?

Yes, bank loans generally require real estate mortgage. The loan methods of securities companies include: margin financing and securities lending. The loan can only be in the account. To make a transaction, stock or cash guarantee is required; for equity financing, the scale of funds must be large, with equity as pledge, and there are certain requirements for the direction of fund use; for repurchase financing, the investment company must hold stocks, and the use of funds is relatively loose. limit. If the amount is less than 5 million, you can take a personal consumption loan. If the amount is more than 5 million, you should take a business loan. Your company's public account flow, tax situation, and a series of contracts need to be assessed. Of course, your company must be profitable. The income should cover approximately twice the monthly payment. If the amount is large, the bank will come to inspect. Of course, the important thing is to have sufficient real estate for mortgage.

Can an investment company apply for a loan from a bank?

Of course it is possible. In this society, there are very few companies that do not have loans.

As for the conditions, it’s hard to say. The loan is small, and perhaps no mortgage or guarantee is needed. Under normal circumstances, it is normal for your credit rating to be mortgaged and guaranteed.

Can investment companies get loans from banks?

Yes.

Required application materials:

(1) The written document required by the borrower to obtain the guarantee amount from the guarantor agreeing to provide guarantee.

(2) Credibility certification materials of the guarantor.

(3) Evaluation report of the collateral issued by a socially recognized evaluation department.

(4) Other documents and information specified by China Construction Bank.

(5) Original and copy of the borrower’s valid identity document.

(6) Proof of local permanent residence or valid residence status.

(7) The borrower shall present the income certificate issued by the employer, the borrower’s tax bill and insurance policy.

(8) The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount, and the written document of the owner and property owner agreeing to the pledge and mortgage.

(9) The borrower also needs to provide the payment receipt for the water and electricity property at the company's site and the payment receipt for the water and electricity property at the personal address.

Extended information:

Loan process

1. Establish a credit relationship.

To apply for a bank loan, the company must first submit an "Application for Establishing Credit Relationship" in duplicate. After receiving the application submitted by the enterprise, the bank will assign a loan officer to conduct an investigation. The investigation contents mainly include:

①The legality of enterprise operations. Whether the enterprise has the necessary conditions for legal person status. Enterprises with legal person status should check whether the business scope approved by the business license is consistent with the actual business scope.

②Independence of business operations. Whether the enterprise implements independent economic accounting, calculates profits and losses separately, and has independent financial plans and accounting statements.

③Whether the enterprise and the main products it produces fall within the development sequence of the national industrial policy.

④The efficiency of business operations. Whether the corporate accounting final accounts are accurate and in compliance with relevant regulations; the current status and trends of financial results.

⑤The rationality of the use of corporate funds. Whether the company's working capital and fixed funds are managed separately; whether the occupation level and structure of working capital are reasonable, and whether they have been squeezed out or misappropriated.

⑥Build and expand enterprises. Whether the working capital 30 required for capacity expansion has been fully raised. If there is a temporary shortage, have you made plans to make up for it in the short term?

After the loan officer investigates and understands the above situation, he must write a written report and sign his opinion on whether to establish a credit relationship, and submit it to the section (unit) chief and president (director) for step-by-step review and approval. After the president (director) agrees to establish a credit relationship with the enterprise, both the bank and the enterprise should sign the "Contract to Establish a Credit Relationship"

2. Submit a loan application.

Enterprises that have established credit relationships can apply for bank loans based on their reasonable liquidity needs in the production and operation process. [Take industrial production enterprises as an example] When applying for a loan, you must submit an "Industrial Production Enterprise Working Capital Loan Application".

The bank carefully examines corporate loan applications in accordance with national industrial policies, credit policies and related systems, and in conjunction with the credit scale plan and credit fund sources approved by the superior bank.

3. Loan review.

The main contents of the loan review are:

①The direct purpose of the loan. The direct uses that are in line with the scope of working capital loan support for industrial enterprises include:

1. Reasonable purchase of goods to pay for goods;

2. Commitment of bills payable;

3. Approved by the bank The advance payment for goods;

4. Each special loan shall be used according to the prescribed purposes;

5. Other purposes that comply with the regulations.

②Business operating status. It mainly includes the purchase, consumption, and storage of materials, the supply, production, and sales of products, the level and structure of working capital occupation, credit status, and economic benefits, etc.

③The implementation of the enterprise’s potential tapping plan, liquidity acceleration plan, and liquidity supplement plan.

④Enterprise development prospects. It mainly refers to the development prospects of the industry to which the enterprise belongs, the development direction of the enterprise, including the product structure, life cycle and new product development capabilities, the actual work ability of the main leaders, the level of business decision-making and the ability to develop and innovate.

⑤Enterprise debt capacity. It mainly refers to the actual amount of the company's own working capital and current assets and liabilities. Generally, it can be analyzed by two indicators: the proportion of its own working capital to all working capital and the company's current assets-liability ratio.

Four. Sign a loan contract.

A loan contract is a contract in which the lender delivers a certain amount of currency to the borrower for use according to the agreed purpose, and the borrower repays the principal and interest when due. Agreement is an economic contract. A loan contract has its own characteristics. The subject matter of the contract is currency. The lender is usually a national bank or other financial organization. The loan interest is stipulated by the state and the parties cannot negotiate at will.

The parties negotiated and reached an agreement on the main terms of the loan contract in accordance with the law. The borrower submits an application, and after review and approval by the lender, a loan contract can be signed.

The loan contract should have the following terms:

①Type of loan;

②Purpose of loan;

③Amount of loan;

④Borrowing interest rate;

⑤Loan period;

⑤Source of repayment funds and repayment method;

⑦Guarantee terms;

⑧Liability for breach of contract;

⑨Other terms agreed upon by both parties.

The loan contract must be signed by the representatives of both parties or the person in charge certified by the legal representative, and must be stamped with the official seal.

5. Grant bank loans.

After an enterprise's loan application is reviewed and approved, the bank and the enterprise should sign a loan contract of the relevant type according to the type of loan. When signing a contract, you should pay attention to filling in the items accurately, clear and neat text, and cannot be altered; the official seals of the three parties of borrowing, lending and guaranteeing, and the signatures of the legal representatives are complete and correct.

The borrower issues an IOU. A loan IOU is a written loan voucher that can be signed at the same time as the loan contract, or it can be signed once or in installments within the amount and validity period specified in the contract. Bank handling personnel should carefully review and verify whether all the contents of the loan application are correct and consistent with the loan contract.

After the loan application is reviewed and found to be correct, fill out the loan release notice and send it to the bank's accounting department for processing by the credit clerk, the section (unit) chief "two signatures" or the president (director) "three signatures" The process by which a loan is credited to the borrower's account. After the loan application form and loan release notice are recorded by the accounting department, the last copy is returned to the credit department as the loan registration voucher.