Now, not only individuals buy mortgage loans, but also enterprises will consider loans when buying a house. So how do enterprises apply for bank loans? What are the conditions? Let's get to know each other.
Enterprises can borrow money from banks according to the following steps:
1. Submit a loan application to the bank and complete loan information;
2. Banks accept loans and approve loans;
3. After approval, both parties sign a loan contract, guarantee the original contract and go through the mortgage formalities;
4. After all the procedures are completed, the bank will issue loans;
5. The borrowing enterprise shall repay the loan in full and on time as stipulated in the contract.
Basic conditions for handling loans:
1. It must be approved by the State Administration for Industry and Commerce, registered and hold a business license;
2, the implementation of independent economic accounting, independent operation, self financing. That is, enterprises have the right to engage in production, commodity circulation and other business activities independently, have independent operating funds, independent financial plans and accounting statements, rely on their own income to compensate expenses, independently plan profits and losses, and independently sign purchase and sale contracts;
3. Have certain self-owned funds;
4. Abide by policies and decrees and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required;
5. There is a market for products;
6. Production and operation should be profitable;
7. Do not misappropriate credit funds;
8. Abide by more than ten items such as credit.
The above is about "How does the company handle loans? What are the conditions for handling? " Related content, whether it is an enterprise or an individual, loan credit information is very important. Once there is a problem, you can't apply for a loan. Please pay attention.
What information and procedures does a company need to provide when applying for a loan from a bank?
Application materials:
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
operation flow
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Enterprise loan: depending on the specific business situation of the enterprise.
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
Extended data:
Generally speaking, the bank's credit to enterprises mainly examines four aspects:
1, bank credit
Including settlement credit and loan credit:
Settlement credit refers to the normal cash settlement of the enterprise applying for a loan, and there are no bad records such as violation of settlement discipline, refund, bill refund and fine.
Loan credit means that the enterprise applying for a loan has a good willingness to repay, has borrowed from the bank, and has no insolvency such as loans overdue and interest default.
In particular, the boss must pay attention to finance personally. Some enterprises forgot the repayment date because of a moment's negligence. Once the repayment period has passed, it will become overdue and become the "blacklist" of the banking system (Shanghai's banking system is networked).
You are suddenly "dark", and the whole city knows. Even if you think about it the next day, it's hard to ask for a rain check. Even if the president wants to help you, there is nothing he can do. Remember: it is not difficult to borrow again after borrowing and returning!
2. Commercial credit: The enterprise applying for loans can abide by the promises of the merchants and will not breach the contract in the performance of the contract and the settlement of accounts payable and debts.
3. Financial credit: accounting settlement is standardized, accounting statements are authentic, assets are true, and there is no fraud such as cash withdrawal.
4. Tax credit: the enterprise can pay the tax payable on time, and there is no bad record such as tax evasion. The above are the four principles for banks to inspect the creditworthiness of borrowing enterprises.