What are the requirements and the latest process for enterprises to apply for loans?
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
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Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
Can the factory equipment be mortgaged?
Factory equipment can be mortgaged. Most users may think that only real estate is the collateral recognized by banks, but in fact, such as factory equipment, patents, trademarks, raw materials, products and so on. , can be used as collateral. As long as the factory equipment meets the conditions of bank collateral, then the equipment can be mortgaged to the bank to obtain loan funds.
Of course, the collateral must also be owned by the borrower and have the right to operate. In case of dispute, it cannot be used as collateral.
What are the terms of the factory loan?
Factory loans are actually corporate loans, and banks have launched many characteristic loan products for small and micro enterprises. Here, take the loan for small and micro industries as an example. Micro-industry loan is a small and micro enterprise loan launched by Weizhong Bank, and factory customers can also apply. As long as the factory has tax information, the enterprise has good credit information and a corporate settlement account, then you can try to apply for a small credit loan.
Wechat business loan review will take about 30 minutes, and a notice will be sent to the legal person after it is approved. It can be said that it is more convenient to apply.
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Basic knowledge of interest calculation
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (%) = annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × annual (monthly) × annual (monthly) interest rate+principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
How long can Shanxi Yuncheng factory loan last? These conditions need to be met.
; ? Yuncheng is an important part of Shanxi's energy and heavy chemical industry base and a new industrial base in Shanxi Province. Many large groups set up factories in Yuncheng, and when they encounter capital turnover, they can use industrial plants as collateral. So, how long can Shanxi Yuncheng factory loan last? Next, let's take a look.
I. Loan Term of Yuncheng Factory Building in Shanxi Province
Refers to the loan that the business owner or legal person applies for with all the factories with clear property rights and strong liquidity as collateral. The loan term is relatively long, generally 5~ 10 years, depending on the lending institution and the loan products handled.
In addition to the long loan period, the amount of factory loans will be relatively high, up to 70% of the factory evaluation price.
Second, Shanxi Yuncheng factory loan conditions
Enterprises need to be formally registered in the industrial and commercial departments. Enterprises are mainly 18~60 years old, with Yuncheng local hukou or long-term residence permit, with good credit and no tax evasion. It is very important to provide relevant certification materials, mainly including the following contents:
1, enterprise business license, code certificate, tax registration certificate, company capital verification report, articles of association, enterprise ID card, enterprise loan card, financial statements, tax returns, tax payment vouchers, bank statements, etc.
2. Proof of loan use, such as clear production and operation plans, tax payment vouchers, purchase orders, etc.;
3. List of mortgaged workshops, proof of ownership and proof that the person with disposition right agrees to mortgage (pledge), etc.
After meeting these conditions, you can apply for a loan from a bank or a lending institution. It is suggested to compare several loans to find the most suitable channels and products.