Materials for handling fixed assets loans of China Bank:

The information required for specific projects is different. Please contact your local China banking institution for details.

Handling the fixed assets loan business of China Bank may involve but not be limited to the following materials: business license, account opening permit (if any), legal person ID card, credit code certificate (if any), articles of association, capital verification report or capital adequacy ratio certificate, company survival compliance review and other basic materials; Pollutant discharge permit and special industry access permit; Audited and latest financial statements and subject details in the last three years, articles of association, and company and senior management profile; If it is a project loan, it should also provide feasibility study report, filing certificate or approval certificate, environmental assessment, safety assessment and four certificates; Letter of authorization for credit inquiry and loan application; After the loan is issued, cooperate with post-loan management to provide relevant information such as capital flow and use certificate.

Where the corresponding loan involves guarantee, it may involve but not limited to the following materials: guarantee guarantee. If the guarantor is an enterprise, it shall provide the basic information, financial information and credit inquiry authorization of the guarantee enterprise. ; If the guarantor is an individual, he shall provide proof of identity, marriage certificate, power of attorney for credit investigation, etc. ; Collateral guarantee, collateral related warrants (real estate warrants, equipment purchase tax receipts, etc.). ) should be provided.

The above contents are for your reference. Please refer to the actual business regulations.

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.

Conditions for handling fixed assets loans of China Bank

Conditions for handling fixed assets loans of China Bank:

1. The borrower has been approved and registered by the administrative department for industry and commerce or the competent authority according to law.

2. The borrower's credit status is good and there is no major bad record.

3. If the borrower is a newly established project legal person, its controlling shareholder has a good credit status and no major bad record.

4. If the state has requirements for investment subject qualification and business qualification for the project to be invested, it meets its requirements.

5. The loan purpose and repayment source are clear and legal.

6. 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.

7, in line with the provisions of the state on the capital system of investment projects.

8. Other conditions required by the lender.

The above contents are for your reference. Please refer to the actual business regulations.

Hotel fixed assets loan process

The hotel fixed assets loan process is as follows:

1. Accept the loan

Customers should provide information in compliance with regulations and perform the statutory management procedures for fixed assets investment projects in accordance with regulations; Comply with the provisions of the state on the capital system of investment projects; The borrower shall open a basic deposit account or general deposit account in a branch and hold a loan card issued by the People's Bank of China; Can provide legal and effective guarantee.

2. Due diligence

The Borrower submits information and promises that the information provided is true, complete and effective; Investigators conduct due diligence and write investigation reports; The appraiser mainly analyzes the solvency, focusing on loan risk assessment from the perspectives of borrowers, project sponsors, project compliance, project product market, project financing scheme, project technical and financial feasibility, repayment source reliability, guarantee, insurance, environmental protection and safe production.

3. Loan review and approval

According to the principle of separating loan review from grading approval, it shall be reported to the loan review committee of the Head Office for approval.

4. Sign mortgage and loan contracts.

The withdrawal conditions agreed in the contract should include the requirements that the capital in the same proportion as the loan has been fully paid, and the actual progress of the project matches the investment amount. Require the borrower to make a commitment to the important contents related to the loan in the contract.

5. Implement account monitoring

If there is an agreement on the special repayment reserve account, the lender shall transfer the fixed assets investment project or the ratio of the borrower's income to cash flow and the average stock of funds in the account to the account according to the agreed requirements.

6. Review withdrawal conditions

Before granting the loan, check whether the borrower meets the withdrawal conditions agreed in this contract, manage and control the payment of loan funds according to the payment method agreed in this contract, and supervise the use of loan funds according to the agreed purposes.

7. Loan issuance and payment

After the loan notice is submitted for review, the payment and settlement procedures shall be handled according to the payment method agreed in the contract; Loan issuance and payment shall be handled through the agreed account, and it shall be confirmed that the project capital in the same proportion as the loan to be issued is fully in place and used together with the loan; In the process of loan issuance and payment, you can negotiate with the borrower to supplement the conditions of loan issuance and payment according to the contract, or you can stop the issuance and payment of loan funds according to the contract.

8. Post-loan management

Regularly check and analyze the performance and credit status of borrowers and project sponsors, project construction and operation, macroeconomic changes and market fluctuations, and changes in loan guarantees, and establish a loan quality monitoring system and a loan risk early warning system. In case of adverse circumstances that may affect the loan safety, the lender shall re-evaluate the loan risk and take targeted measures; Establish a post-loan dynamic monitoring and revaluation system of collateral value and guarantor's guarantee ability.

9. Repay the loan

10. Return other collateral warrants.

What are the basic terms about fixed assets lending and the process of fixed assets lending? This concludes our introduction. I wonder if you found the information you need from it?