operation flow

1. The borrower applies for a loan and submits relevant materials.

2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.

3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.

4. The borrower repays the loan principal and interest on schedule.

5. When the loan is settled, the withdrawal formalities shall be handled as required.

Enterprise loan: depending on the specific business situation of the enterprise.

Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.

Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.

Extended data:

Application material

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.

Unsecured/credit loan

Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.

According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.

1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).

2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).

3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).

Baidu encyclopedia-enterprise loan