Application materials:
1, my valid identity certificate and proof of residence address;
2, private enterprise business license, tax registration certificate, legal person code certificate and other administrative qualifications;
3 private enterprise tax payment certificate (or loan card);
4. The audited financial statements of the previous year;
5. To apply for a pledged loan, the pledge of rights required for the guarantee shall be submitted; Where the pledgor is pledged with the rights of a third party, it shall also provide the pledgor's identity certificate, the pledgor's authorization letter and a written document agreeing to pledge;
6. To apply for a loan with real estate mortgage, the borrower must provide more than two sets of real estate ownership certificates and written documents that the house has agreed to mortgage;
7. If the real estate under the name of a third person is mortgaged, the identity certificate of the property owner, the mortgage authorization letter and the written document of the house owner agreeing to mortgage shall also be provided;
8. If the borrower or a third party mortgages the property owned by * * * *, there must be a written document issued by the property owner agreeing to mortgage, and the property owner must sign a mortgage contract.
9. A purchase and sale contract or invoice that can prove that it is consistent with its business scope;
10, other information specified by the bank.
Business process:
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Corporate loans:
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.