The letter of intent for loan is a written loan intention to serve the next stage of preparation and negotiation. The letter of intent for loan is an invitation to offer, which has no legal effect and is not binding on both borrowers and borrowers. Letters of intent for loans are generally common in medium and long-term loans of banks, especially fixed assets loans, but they are not necessary for credit investigation, and some loan operations do not need letters of intent to simplify the process.

The sample format of each bank is different, and the specific content can be consulted with each bank.

2. What are the loan preservation measures?

It is difficult for financial institutions to collect non-performing loans and reduce asset risks. However, because many loans have been deposited for many years and the managers of both borrowers and lenders have changed hands many times, it is not only difficult to collect loans, but also difficult to confirm and save some loans.

Therefore, it is more and more important to extend the limitation of litigation for deposit loans and ensure the recovery of non-performing loans.

According to the general principles of civil law, the statute of limitations generally applicable to general civil legal relations is two years. Therefore, financial institutions should firmly grasp and effectively use the statute of limitations, strive for the borrower's valid visa confirmation, and lay a solid foundation for legal collection. The following methods can be adopted to extend the limitation of action for deposit loans: (1) Make repayment agreement and extend the limitation of action for loans.

In order to get the funds in place, the credit personnel of financial institutions should change their style, take the initiative to deal with borrowers, understand their difficulties and requirements, and provide them with relevant services as much as possible.

For borrowers in normal operation to collect loans or extend the litigation period, on this basis, negotiate with borrowers for repayment in good faith, and then realize borrowers to collect loans or sign repayment agreements. Even if the loan cannot be repaid as agreed, the repayment agreement with the borrower's signature and date is evidence to extend the loan litigation period.

(2) Collect repayment plans and extend the limitation of action.

Three. What business needs to prove the enterprise's own funds and bank loan letter of intent?

Corporate loan business. Handling enterprise loan business requires proof of enterprise's own funds and letter of intent for bank loan. The capital certificate is to prove the repayment ability of the enterprise, and the letter of intent is the necessary material for the enterprise loan. There are two kinds of proof of funds according to the limit, namely, instant proof and time period proof.

4. Can the loan letter of intent be used as proof that the funds are in place?

The loan letter of intent cannot be used as proof that the funds are in place. The loan letter of intent is only the initial intention of the bank to issue loans to enterprises, and there is no obligation to lend.