1. Do corporate loans require the signature of a legal person?
Corporate loans do not require the signature of a legal person. The company loan is in the name of the company, and the legal representative may not sign it, but it must be stamped with the official seal of the company or the special seal for the contract.
Corporate loans are also called corporate loans, and the required conditions for loans are as follows:
1. The enterprise has been operating in its place for one year;
2. There is a steady flow of water to public and private;
3. In front of the bank, the legal person must stand up;
4. The five certificates of the enterprise are complete;
5. Good credit information and controllable liabilities.
Second, the enterprise loan process
1. The borrower applies for loan products from financial institutions, and prepares and submits relevant information of the enterprise;
2. The bank signs a loan contract with the borrower through the examination and approval of the borrower's information, and determines the credit line and interest rate;
3. After determining the actual loan conditions, the bank shall go through the loan procedures in accordance with the provisions of the loan contract, and the loan funds shall be transferred to the account opened by the borrower in the bank;
4. The borrower shall repay the principal and interest of the loan on schedule. If there is mortgage, it shall go through the mortgage formalities after all the loans are settled according to this contract.
Three. What are the requirements for corporate loan guarantors?
1. A natural person with full capacity for civil conduct, aged between 18 and 65;
2. Have a legal and valid identity certificate and a permanent residence or permanent residence in the local area;
3. There is no obvious record of breach of contract, no bad credit record, and political freedom and personal freedom are unrestricted;
4. Being able to fulfill the guarantee obligation, having a stable income source and the ability to repay the loan principal and interest in full and on time.
Remind you that those who can serve as guarantors include: sole proprietorship enterprises and partnership enterprises registered and obtained business licenses according to law; A joint venture registered in accordance with the law and obtained a business license; Chinese-foreign contractual joint ventures registered according to law and obtaining business licenses; Social organizations approved and registered by the civil affairs department; Township, street and village-run enterprises that have been approved to register and obtain business licenses. In the process of accepting loans from foreign governments or international economic organizations, with the approval of the State Council, state organs can act as guarantors. You are not allowed to be a guarantor under other circumstances.