Loan process:
1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural small loans, relevant information must be provided when applying for other types of loans.
(1) Basic information of the borrower and the guarantor;
The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the previous financial report of the loan application;
(3) Rectification of original unreasonable loans;
(4) List of mortgaged property and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
Extended data:
Loan method
Small and medium-sized enterprises' skills in obtaining bank loans;
Establish a good relationship between banks and enterprises. Pay attention to credibility. Investment projects should write a feasibility study report, highlighting the characteristics of the project. Choose the right loan opportunity. Get the support of SME guarantee institutions.
1. Risk loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is effectively guaranteed by the bank. Eligible borrowers can obtain a single loan of up to 500,000 yuan according to their own resources and repayment ability.
2. Mortgage loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The amount of mortgage loan generally does not exceed 70% of the assessed value of collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street for starting a business, you can apply for a commercial housing loan from the bank with the proposed house as collateral. Generally, the loan amount shall not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period shall not exceed 65,438+00 years.
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