You should have the money for the loan.
Newly established enterprises generally do not give
Special loans are also provided.
That should have enough ability.
As long as you meet the requirements of the bank you want to borrow.
Ask the bank what to prepare.
Many banks lend money to enterprises and will require you to be established for more than a few years.
The report looks good.
2. How many bank accounts does a company usually open? What is necessary? What are the uses?
I * * * Six kinds of accounts can be opened, of which RMB and basic account are required, and other accounts can be opened as required.
1. RMB basic account is the main deposit account of enterprises and institutions, and it is the account for daily transfer settlement, salary, bonus and cash receipt and payment. Only one basic deposit account can be opened.
2. RMB general account refers to the deposit account opened by enterprises and institutions in other banks according to the needs of fund management, which is mainly used for transfer settlement and cash deposit, and is not used for cash withdrawal.
3. RMB special account is an account that enterprises and institutions need to open for capital construction, renovation or handling trust, agency business, policy real estate development, credit card and other specific purposes. The sales amount of enterprises and institutions cannot be entered into this account. Generally speaking, cash cannot be withdrawn from this account.
4. RMB temporary account is an account opened by enterprises and institutions due to temporary economic activities or the need to remit funds by remittance or draft. Mainly used for transfer settlement and cash receipt and payment according to regulations. Temporary deposit accounts shall not be settled by cheque in principle.
5. The current account of the foreign exchange account reflects the items that often occur in Chinese and foreign exchanges, including trade balance (that is, the usual import and export), labor balance (such as transportation, ports, communications and tourism) and unilateral transfer (such as remittances from expatriates, free aid and donations, payments from international organizations, etc.). At the time of deposit, the sum of the deposit amount and balance of the original customer exceeds the maximum limit of the customer approved by SAFE and needs to be controlled.
6. Capital account Foreign exchange account Capital account refers to capital outflow and inflow between countries. In other words, it is a cross-border income and expenditure project of capital that occurs in international economic transactions for some economic purpose. Including the trading of stocks, bonds and securities between countries, as well as the deposits of governments, residents or enterprises abroad. The cumulative credit line of the capital account (excluding the regular reversal line) shall not exceed the limit of the approval documents of the foreign exchange bureau.
Third, the company's payment must be made at the registered bank.
Hello everyone, Cai Xiao will answer the above questions for you. Many people don't know in which bank an enterprise loan must be opened, and whether an enterprise loan must be applied to the enterprise's bank. Now let's have a look!
Answer:
1. An enterprise loan must be applied to the enterprise bank. Take the fast loan of small and micro enterprises of CCB as an example. Applicants must have an account in China Construction Bank, and the account has a credit line before they can apply. However, corporate accounts include basic account and general accounts, and general accounts can be opened in multiple banks, which means that enterprises can apply for loans in multiple banks, not just basic account banks.
2. The credit line of enterprise loans is directly related to the financial assets and collateral of the bank that the enterprise applies for. Therefore, it is more conducive to loan approval to submit an application at the bank of deposit.
This article has been shared here, I hope it will be useful to everyone.
4. If the loan bank fills in an error and is frozen, if the funds are still in their company's loan software, do they need to be ignored?
According to your explanation, we can judge that you met a liar.
All kinds of expenses that the other party asks you to pay are routine. Your APP is fake, you can check it in the app store that comes with your phone.
Formal loan companies do not need to pay any fees before obtaining loans.
Even if it is returned by the original way, there will be no financial loss, and there is no need to unfreeze any verification funds. You don't need a deposit. So this is the routine of a liar. If the situation is wrong, it is also a lie to find reasons.