1. Basic conditions to be met when applying for enterprise mortgage loan: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card issued by the People's Bank of China, and have no bad credit record. 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. 4. Materials to be provided for applying for enterprise mortgage loan:
2. Basic information of the enterprise: 1, business license, organization code certificate, tax registration certificate, account opening permit, legal person ID card, loan card for capital verification report of the articles of association (double copy). 2. Resolutions of the board of directors (shareholders' meeting, shareholders' meeting). 3. Business qualification/qualification certificate (not required).
Three. Enterprise financial information: 1. Tax payment certificate. 2. The company's financial statements.
Four. Merchant information: 1. Bank statements for the past six months. 2. Several major invoices of the enterprise within half a year.
Verb (abbreviation of verb) mortgage information: 1. Mortgage guarantee: Property title certificate Personal requirements: household registration book, marriage certificate. 2. Original bank mortgage loan contract (no need to provide it, there is a mortgage arrangement to mortgage in advance). 3. Letter of authorization for credit inquiry. 4. Other information deemed necessary by the Bank.
Finally, when choosing loan products, please try to choose loan products of big brands, with transparent interest and fees, and at the same time ensure the security of your information. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000.
What are the application conditions for fixed assets loans? And these!
Now many enterprises will face problems. In order to help enterprises get out of trouble, there are also many loan products suitable for enterprises in the market. Today we will briefly introduce the fixed assets loan. As long as certain application conditions are met, you can apply for enterprise loans and obtain funds.
First, the introduction of fixed assets loans.
Because many enterprises have factories or fixed assets, once they lack liquidity, they can apply for loans with qualified assets. The advantage of this kind of fixed assets is that the application is simple, and they can use the existing assets of the enterprise to make loans. However, the use of loans must conform to the national industrial policy and financial policy, and loans will generally be given to emerging industries or industries supported by the state.
Fixed assets loan is a common financing method. As long as the assets are high in value and easy to realize, banks are willing to lend, which can help enterprises solve their worries.
Second, the fixed assets loan application conditions
1. Small and medium-sized enterprises must hold the business license of enterprise legal person that has passed the annual inspection by the administrative department for industry and commerce, and public legal persons should hold the legal person qualification certificate.
2. The current operating conditions of the enterprise are good, the credit information of legal persons and enterprises is good, the solvency is strong, and the management system is perfect.
3. It is better to have other guarantees, and the assets must meet the requirements of the bank.
4. Open a basic account or general deposit account in a bank.
5, fixed assets loan projects in line with national industrial policies and credit policies.
6, enterprises need to have the proportion of capital stipulated by the state.
7. The project has been approved by relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented.
8. Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.
Bank fixed assets loan
Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for medium and long-term local and foreign currency loans for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities.
Coverage:
The fixed assets investment activities of enterprises include: capital construction, technological transformation, new product development and production, and related house purchase, engineering construction, technical equipment purchase and installation.
1. Loan currency: RMB and foreign currency.
2. Loan term: The loan term is mainly determined by the borrower's production and operation cycle, project construction needs, repayment ability and the bank's credit fund balance ability through consultation. Generally not more than 5 years.
3. Expected annualized interest rate of the loan: it shall be implemented according to the expected annualized interest rate of medium and long-term loans issued by the People's Bank of China. The expected annualized interest rate shall be fixed for one year according to the loan contract, that is, it shall be implemented according to the expected annualized interest rate agreed in the loan contract within one year from the effective date of the contract, and the expected annualized interest rate shall remain unchanged; After one year, adjust according to the expected annualized interest rate at that time and implement the new expected annualized interest rate.
Application conditions:
1. Hold the business license of an enterprise legal person that has passed the annual inspection by the administrative department for industry and commerce, and the social group legal person holds the legal person qualification certificate;
2. Holding a loan certificate/card issued by the People's Bank of China;
3. The loan applicant has good economic benefits, good credit status, strong solvency and perfect management system;
4. Implement the guarantee approved by the bank;
5. Open a basic account or general deposit account in a bank;
6, fixed assets loan projects in line with national industrial policies and credit policies;
7. It has the capital ratio stipulated by the state;
8. The project has been approved by relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented.
9. Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.
Applicable object
Enterprises, institutions and other economic organizations that have been approved and registered by the administrative department for industry and commerce (or the competent authority) and carry out independent accounting.
Application material
Application for credit business; Basic information of the borrower, qualification documents, loan certificate (card), power of attorney, etc. ; List of principal responsible persons and financial officers of board members, sample signatures, resolutions of the board of directors, etc. ; Tax registration certificate that the tax department has passed the annual inspection; Financial statements and reports of the last three years and the current period audited or approved by the competent authority; Construction project materials, including relevant background materials proposed by the project, self-raised funds and other construction funds, productive fund-raising scheme, proof materials for implementing the sources of funds, project proposal and approval documents, feasibility study report and approval documents, project budget materials, project preparation completion report and related materials, and construction project planning permit; Guarantee materials, including the guarantor's certification documents, financial materials, guarantee commitment documents, list of mortgaged (pledged) goods and ownership certificates; Other information required by the bank.
Analysis on the difference between enterprise fixed assets loan and working capital loan
Analysis on the difference between enterprise fixed assets loan and working capital loan
What is enterprise fixed assets loan?
Fixed assets loans are loans issued by banks to solve the capital needs of fixed assets investment activities of enterprises, which are mainly used for medium and long-term local and foreign currency loans for the construction, purchase and transformation of fixed assets projects and the construction of corresponding supporting facilities.
What is an enterprise working capital loan?
Working capital loan is a loan issued to meet the short-term capital needs of producers and operators in the process of production and operation, and to ensure the normal production and operation activities.
Requirements for fixed assets loans of enterprises (taking China Bank as an example)
1. Hold the business license of enterprise legal person that has passed the annual inspection by the administrative department for industry and commerce, and the legal person of public institution holds the legal person qualification certificate;
2. Holding a loan certificate/card issued by the People's Bank of China;
3. The loan applicant has good economic benefits, good credit status, strong solvency and perfect management system;
4. Implement the guarantee approved by China Bank;
5. Open a basic account or general deposit account in China Bank;
6. Fixed assets loan projects are in line with national industrial policies and credit policies;
7. The proportion of funds stipulated by the state;
8. The project has been approved by the relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented;
9. Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.
Requirements for working capital loans of enterprises (taking Bank of China as an example)
1. The borrower shall be an enterprise, institution, legal person and other economic organization registered with the approval of the administrative department for industry and commerce (or the competent authority), with a business license issued by the administrative department for industry and commerce and passed the annual inspection;
2. The borrower should accept our credit rating and meet certain requirements. Our bank will adjust and determine the access level from time to time according to the review needs, with specific reference to relevant regulations;
3. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations;
4. The borrower has a sound management organization, qualified leaders and strict management system; The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time;
5. Guarantee units recognized by banks provide guarantee or mortgage (pledge) guarantee;
6. The borrower opens a basic account or general account in China Bank; 7. Meet the requirements of other relevant loan policies of Bank of China.
The difference between fixed assets loan and working capital loan.
The main points of approval of fixed assets loan business mainly include
The main points for approval of fixed assets loan business are as follows:
The borrower has been approved and registered by the administrative department for industry and commerce or the competent authority according to law; The borrower's credit status is good and there is no major bad record; If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record; If the state has requirements on the qualification of the investment subject and the business qualification of the project to be invested, it meets its requirements.
The purpose of the loan and the source of repayment are clear and legal; The project conforms to the relevant national policies on industry, land and environmental protection, and has fulfilled the statutory management procedures for fixed assets investment projects as required; Comply with the provisions of the state on the capital system of investment projects; Other conditions required by the lender.
Fixed assets loans are loans granted by banks to enterprises for investment in fixed assets. Before the economic system reform, banks in China only issued loans to the working capital of enterprises. The fixed assets of state-owned enterprises are allocated by the state finance, and the fixed assets of collective enterprises are raised by themselves. In order to meet the needs of economic system reform, from 1979, the People's Bank of China began to provide short-term and medium-term equipment loans for enterprises to increase key equipment with less investment and quick results.
1982 short-term equipment loans were renamed as "technical renovation loans". From August 65438 to August 0979, China's capital construction investment began to gradually change from financial allocation to construction bank loans. More than a year's trial shows that this reform measure has changed the use of construction funds from free to paid. Under the guidance of the national plan, it has played the role of economic organization and economic means, combined economic responsibility, economic power and economic interests, and mobilized the enthusiasm of all parties.
What are the requirements for fixed assets mortgage loan?
1. Hold the business license of an enterprise legal person that has passed the annual inspection by the administrative department for industry and commerce, and the social group legal person holds the legal person qualification certificate;
2. Holding a loan certificate/card issued by the People's Bank of China;
3. The loan applicant has good economic benefits, good credit status, strong solvency and perfect management rules and regulations;
4. Implement the guarantee approved by China Bank;
5. Open a basic account or general deposit account in China Bank;
6, fixed assets loan projects in line with national industrial policies and credit policies;
7. There is a capital ratio stipulated by the state;
8. The project has been approved by the relevant government departments, the supporting conditions are complete, and the sources of imported equipment and materials are implemented;
9. Those who apply for foreign exchange fixed assets loans must hold import certificates or registration documents.