1. Can company loans be obtained without going through a legal person?
No, corporate loans are a major matter in the company's operation and must be approved by the board of directors. They must be signed by the legal representative (chairman) and stamped by the company to be valid. Both are indispensable. . These are the legal responsibilities and rights of corporate entities.
2. Can a private company get a loan without a legal person?
A private company can get a loan without a legal person, as long as it is possible. A simple and popular understanding of a loan is to borrow money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds on a piece-by-piece basis. Loans in a broad sense refer to the general term for loans, discounts, overdrafts and other lending funds.
Loan Introduction
Banks invest concentrated currency and monetary funds through loans, which can meet the needs of supplementary funds for the expansion of social reproduction and promote economic development. At the same time, The bank also earns income, increasing the bank's own accumulation.
The purpose of commercial banks formulating loan policies and the coordination of business operations. A loan policy is the general principle that guides every loan decision.
Ideal loan decisions contribute to the bank's operations, and secondly, to ensure the quality of bank loans. Correct credit policies enable banks to maintain ideal levels of credit management, avoid excessive risks, and enable appropriate selection of business opportunities.
The loan method is the way in which banks grant loans to enterprises. According to different methods of loan guarantee, it can be divided into credit loans, guaranteed loans and bill discounting. Credit loans refer to loans, mortgages and loans issued solely based on the creditworthiness of the lender.
3. Can legal persons get loans?
1. Can legal persons get loans? 1. Can legal persons get loans? Corporate loan is a kind of loan specifically targeted at enterprises. Like other loans, corporate corporate loans also have their own nature and procedures, so corporate corporate loans are also available. 2. Legal basis: Article 674 of the "People's Republic of China and Civil Code" The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned. Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time. 2. What are the prerequisites for enterprise legal person loans? 1. The enterprise applying for the loan needs to be registered with the industrial and commercial administration department for more than one year and be operating normally; 2. The enterprise legal person needs to open an account at the loan agency bank and handle settlement. and credit business for at least 1 year; 3. The company's invoicing amount in the past six months is about 1.5 million yuan; 4. The corporate legal person has not incurred tax arrears, arrears, employee salary arrears and other various types of arrears; 5. The company's debt ratio cannot be More than 50; 6. The corporate legal person and its major shareholders and key management personnel have good credit in taxation, financing, operation, etc., and have no bad records in the past three years.
4. Can legal persons get loans?
Yes, we can get credit loans.
The documents required for corporate loans are:
1. Legal person ID card
2. Business license, tax registration certificate, organization code certificate
3. Corporate flow for the year
4. Financial statements