Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks.
Generally speaking, branches of commercial banks are based on the local credit market, the development strategy and risk control ability of personal loan business of branches.
Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.
I. Application conditions
It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;
The enterprise has a good reputation in various commercial banks and has no bad credit record;
Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;
The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
Abide by the industrial credit policies related to small businesses;
Abide by national financial regulations and policies and relevant bank regulations;
Open a basic settlement account or a general settlement account with the applicant bank.
Second, the application materials
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
Three, personal loans need to meet the basic conditions are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.