I. Products to be applied for:
1. If it is enterprise credit loans, the credit information of the legal person is an important basis for approving the loan.
2. If it is an enterprise mortgage loan, the bad credit information of the legal person will also have an impact, but it can be solved by increasing the guarantor.
3. If the bill is discounted by the enterprise, the adverse impact on the enterprise's credit information is low.
Second, the degree and influence of bad credit are also different:
1. If the legal person forgets to repay due to unexpected circumstances, the impact is not significant.
2. If the legal person has many overdue records, it is difficult to apply for loans from relevant enterprises.
Third, the solution:
There are several solutions to the problem that enterprises can't apply for enterprise loans because of enterprise credit information.
1. If the legal person has a bad credit record, the loan will be refused.
1) Shareholders whose shares account for more than 10% of the company may apply for company loans.
2) If the enterprise has no other applicants, it can change its legal person and apply for loans from relevant enterprises one year after the change.
3) The pass rate can be improved by adding guarantors, discounted bills or collateral.
4) You can apply for mortgage loans or credit products by discounting bills.
2. If the legal person is rejected because of too many credit inquiries.
1) You can check the requirements of specific products for credit inquiry times and product application times, select products that meet the requirements, or postpone the loan application time until the legal person meets the requirements.
2) Shareholders who account for more than 65,438+00% of the company's shares can apply for company loans.
3. If it is because there are many outstanding loans in the name of the enterprise legal person, it will be rejected.
1) allows legal persons to settle in advance and apply for new loans.
2) Shareholders who account for more than 65,438+00% of the company's shares can apply for company loans.
3) Credit products that can be discounted as bills.
* The answer is provided by Hang Yirong.