The borrower has been approved and registered by the administrative department for industry and commerce or the competent authority according to law;

The borrower's credit status is good and there is no major bad record; The borrower is a newly established project legal person with no major bad record;

If the state has requirements on the qualification of investment subject and business qualification of the project to be invested, it shall meet its requirements; The purpose of the loan and the source of repayment are clear and legal;

The project conforms to the national policies on industry, land and environmental protection. , and execute the program as required;

In line with the relevant state investment projects

Other conditions required by the lender.

Second, how can I become a VIP of China Industrial and Commercial Bank?

I am a VIP user of China Industrial and Commercial Bank. In fact, it is not difficult to become a VIP customer, but even if you have the conditions, you can become a VIP of China Industrial and Commercial Bank. There are several specific situations. I will explain them to you in the following:

First, your job must be stable, which is generally a hard condition for ICBC VIP. Of course, there are exceptions, such as funds reaching a certain value, which I will talk about below.

Second, you have a house of 120 square meters, which is also the VIP condition of China Industrial and Commercial Bank. Of course, if the data is reached, this condition can be lowered relatively.

Third, you need an ID card to apply. If you don't have an ID card, you must have a household registration book.

The following are the capital requirements. If you meet the requirements, you can waive the above conditions. If you can't meet the requirements, then your other fixed income and fixed assets can be met, or if you meet the above three conditions, then you can still be a VIP if you save less. The following are the capital aspects:

(1) If the average daily balance of customers is 200,000 or reaches a five-star financial account, this is the most common.

(2) With an average daily balance of 6,543,800 yuan, it can handle 6-and 7-star ICBC wealth card customers, which is relatively high-end.

(3) Of course, customers with an average daily balance of more than 8 million yuan who apply for approval from private banks have special account manager services, which belong to the top of the pyramid.

III. What conditions should a lender meet when accepting an application for a fixed asset loan?

The application conditions for the lender to accept the fixed assets loan:

1. The borrower is legally approved and registered by the administrative department for industry and commerce or the competent authority;

2. The borrower's credit status is good and there is no major bad record;

3. If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record;

4. If the state has investment subject qualification and business qualification requirements for the project to be invested, it meets its requirements;

5. The loan purpose and repayment source are clear and legal;

6. The project conforms to the relevant national policies on industry, land and environmental protection, and has fulfilled the statutory management procedures for fixed assets investment projects as required;

7 in line with the provisions of the state on the capital system of investment projects;

8. Other conditions required by the lender.

Fixed assets loan preparation data:

1. Loan application;

2. A copy of the business license and the registration information of the enterprise's industrial and commercial inquiry;

3. A copy of the legal person code certificate;

4. Copy of legal person ID card;

5. A copy of the loan card;

6. Financial statements of the last three years and the latest (audited);

7. Articles of Association;

8. Resolution of the borrower's board of directors (shareholders' meeting);

9. Copy of tax registration certificate;

10. Project feasibility report and project construction approval document;

1 1. List of members of the board of directors (shareholders' meeting) and principal responsible persons, financial responsible persons, signature samples, etc. ;

12. The guarantor provides 1-9 items of information;

13. Other materials required by the bank.

Fixed assets loan process:

1. Accept the loan;

2. Due diligence;

3. Loan review and approval;

4. Sign mortgage and loan contracts;

5. Implement account monitoring;

6. Review the exit conditions;

7. Loan issuance and payment;

8. Post-loan management;

9. Repaying the loan;

10. Return other collateral warrants.

4. What are the application conditions for fixed asset loans? And these!

Now many enterprises will face problems. In order to help enterprises get out of trouble, there are also many loan products suitable for enterprises in the market. Today we will briefly introduce the fixed assets loan. As long as certain application conditions are met, you can apply for enterprise loans and obtain funds.

I. Introduction of Fixed Assets Loan Since many enterprises have factories or fixed assets, once the liquidity is insufficient, they can apply for loans with qualified assets. The advantage of this kind of fixed assets is that it is convenient to apply, and they can use the existing assets of the enterprise to make loans. However, the use of loans must conform to the national industrial policy and financial policy, and loans will generally be given to emerging industries or industries supported by the state. Fixed assets loan is a common financing method. As long as the assets are high in value and easy to realize, banks are willing to lend, which can help enterprises solve their worries. Ii. Application conditions for fixed assets loans 1. Small and medium-sized enterprises must hold an enterprise business license that has passed the annual inspection by the administrative department for industry and commerce, and public legal persons should hold a legal person qualification certificate. 2. The current operating conditions of the enterprise are good, the credit information of legal persons and enterprises is good, the solvency is strong, and the management system is perfect. 3. It is better to have other guarantees, and the assets must meet the requirements of the bank. 4. Open a basic account or general deposit account in a bank. 5, fixed assets loan projects in line with national industrial policies and credit policies. 6, enterprises need to have the proportion of capital stipulated by the state. 7. The project has been approved by relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented. 8. Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.