Enterprise loan application conditions

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are 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.

Bad credit reporting in corporate shareholders does not conform to Article 6, so it will affect.

Extended data:

I. Basic information of the company

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4. Various tax forms and signed purchase and sale contracts in the last six months (if any).

5. Proof of assets under the name of the enterprise.

Second, personal data.

1, ID card of borrower and spouse.

2. Identity cards of property owners and spouses.

3. Household registration books of the borrower and the property owner.

4. Marriage certificates of the borrower and the property owner.

5, personal assets, such as real estate, cars, stocks, bonds, etc.

6. Personal bank flow in the past six months or a year.

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