1. Apply to the lending institution and submit the materials required for the loan (including ID card, original household registration book, annual business license, tax registration certificate, relevant materials that can prove their legitimate income, legal and sufficient collateral and evaluation report, etc.). );

2. The lending institution shall examine the borrower's application and conduct pre-lending investigation;

Three. After the materials are approved, both parties reach an agreement on the loan through consultation;

Fourth, sign a loan contract;

Five, the borrower for mortgage (pledge) registration and other procedures, after the formalities are completed, the lending institutions to issue loans.

Required information:

1. Original and photocopy of business license, original and photocopy of tax registration certificate, and original and photocopy of organization code certificate (only business license is required for the integration of three certificates);

2. Tax receipts for the last three months;

3. Articles of association;

4. Capital verification report;

5. Upstream and downstream contracts in recent March;

6. Sales documents or VAT invoices;

7. Providing tap water to the public in the last six months;

8. Financial statements of the past 1 year (necessary information for operating loans and evidence for consumer loans).

Application process:

1. The borrower shall prepare all the above materials and submit them to the lending institution;

2. The institution shall review the materials and conduct pre-loan investigation on the borrower;

3. After investigation, both parties signed a loan agreement;

4. After the agreement is signed, the lending institution issues loans;

5. The borrower repays the loan according to the contract.

Legal basis:

Article 17 of the general principles of loans

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic account or general deposit account has been opened;

Four, unless otherwise stipulated in the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets;

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender;

Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.