What conditions do enterprises need to meet when applying for credit loans? At present, individuals can apply for credit loans when they are short of funds, and enterprises can also apply for credit loans when they encounter difficulties in their business development. Then, what conditions do enterprises need to meet when applying for credit loans?
It is understood that there are three conditions for enterprises to apply for credit loans:
The first is the conditions that enterprises need to meet as legal persons. Mainly in terms of age and credit, generally speaking, the enterprise age is 18-65 years old, and there is no bad credit record in the personal credit report.
Secondly, it is a condition that enterprises need to meet. Enterprises need to register and operate in the local loan area. Generally, the shortest time is one year, and the average monthly company or private running water shall not be less than 654.38+10,000 yuan. Of course, different banks have different specific regulations. For example, Minsheng Bank's "Small Micro enterprise credit loans" requires an average monthly flow of more than 50,000 yuan; The "enterprise" of Standard Chartered Bank requires that the average monthly flow of public water is not less than 500,000 yuan.
Third, there is real estate under the name of the enterprise legal person or spouse. Credit loans do not need mortgage, but generally require enterprise legal persons or their spouses to have loan product houses in the loan area.
When enterprises apply for credit loans, the loan conditions and loan quotas will be different according to the different loan institutions they choose. Therefore, before applying for a loan, the borrower can consult in detail in advance and choose a lending institution suitable for his own enterprise to apply for a loan.
2. Which loan company is good in enterprise credit loans?
Beijing Kuaiyi Loan specializes in corporate loans, while enterprise credit loans is an operating loan, with the longest loan of 10 year.
. . Enterprises can also make credit loans, and both legal persons and shareholders can make loans. Provide personal running water or enterprise running water, with a maximum loan of 2 million. Conditions required by the enterprise:
1 enterprise needs to operate 1 more than one and a half years.
2. The annual sales of the enterprise shall not be less than 654.38+0 million.
Enterprises must be legal and operate within the scope prescribed by law.
4. Corporate debt is in good condition, income is stable and stable.
Materials to be provided by unsecured legal persons or shareholders of enterprises.
1 copy of business license
Twice in half a year, the People's Bank of China has run water or enterprises have run water.
3 office space lease receipt
4. The original property certificate under the name of the enterprise legal person or shareholder.
5 organization code certificate
6 tax registration certificate
7 Articles of Association
Business loans, as long as you are a company shareholder or legal person, individual industrial and commercial households, you can do business loans, and the property owner can be an individual industrial and commercial household, a company legal person or the parents, brothers and sisters, children and other relatives of shareholders.
1. Commercial loans, corporate real estate or personal real estate can be used. The appraisal amount is high, accounting for 100% of the highest loanable appraisal price. Revolving loan is available, and the maximum loan is 10 year.
2. Property conditions: commercial housing, residence, standard price housing, preferential price housing, affordable housing, business (office building and ground floor business), commercial and residential dual-use housing, residence, villa and relocation housing.
Contact: Ms. Lin's mobile phone:1343688716qq517036795 Address: 200 1, Block A, Tianzuo International Center, Zhongguancun South Street, Haidian District, Beijing.
3. Unsecured credit loans for SMEs in Changchun?
Hmm! Guaranteed credit is not better, but loans can also be made, but the requirements are higher than those with collateral! The following conditions apply to SMEs: 1. Small enterprises that conform to the national industry and industrial policies but cannot; 2. The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. A loan card approved by the administrative department for industry and commerce and issued by the People's Bank of China for normal annual inspection; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits; 5. The ability to perform contracts and repay debts and the willingness to repay are well classified as normal or non-financial factors; 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; 7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; 8. Abide by the policy of establishing industry credit related to small enterprises; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account with the applicant bank, or