1. What are the procedures for applying for a mortgage loan for small and medium-sized enterprises?

It is recommended that you go to China Merchants Bank, Everbright Bank, etc. to apply. Currently, China Construction Bank, Post Office, Agricultural Bank of China, and Industrial and Commercial Bank of China have certain difficulties in applying for corporate mortgage loans. The conditions for applying for a small and medium-sized enterprise mortgage loan at the same time are: (1) The legal representative/shareholder of the enterprise, an individual industrial and commercial household; (2) The enterprise can operate if it makes a profit, and there is no limit on the size of the profit; (3) If it is a small-scale taxpayer, the principle Operating continuously for more than 1 year. The mortgage loan procedures for small and medium-sized enterprises include: (1) Company profile: including company name, business nature, registered capital, legal address; (2) Business profile: business products, annual output value, annual profit, import and export volume; (3) Reasons for the loan , amount, purpose and function, borrowing bank; (4) Mortgage equipment situation: equipment name, import value, current use; (5) Guarantee: The above equipment will never be transferred or transferred without approval of the customs because it is under customs supervision. Duplicate mortgages; if the loan needs to be repaid at a different price, it is guaranteed to be approved by the customs in advance, and the customs taxes will be paid first, and the remaining part will be repaid to the bank loan. (6) The official seal of the enterprise and the signature of the legal person.

2. How to apply for enterprise mortgage loans in Hangzhou? Application conditions for enterprise mortgage loans

(1) Legal representative/shareholder of the enterprise, individual industrial and commercial household;

(2) An enterprise can operate if it makes a profit, and there is no limit on the size of the profit;

(3) If it is a small-scale taxpayer, in principle it will operate continuously for more than one year. 1.1.1 Application materials for corporate mortgage loans

Mortgage equipment

1 "Mortgage Loan Notice" in triplicate, mortgage loan equipment list;

(2 ) A copy of the "Import Declaration Form" for the mortgaged equipment;

(3) A copy of the "Import Invoice" for the mortgaged equipment;

(4) A copy of the "Registration Certificate of Self-Declaration Unit"

(5) Copy of "Business License" (duplicate);

(6) "Enterprise Asset Registration Manual"

(7) Domestic-funded enterprises A copy of the "Tax Exemption Certificate" is required.

Mortgage real estate

(1) Mortgage house ownership certificate;

(2) Enterprise business license, company articles of association, organization code certificate, tax registration certificate, Financial statements, etc.;

To learn more about loans, you can go to /aoXEXU, and you can also evaluate and apply for loans online. This is a formal institution that does not charge any fees before successfully lending; your loan is connected to multiple banks, which can help you improve your loan success rate and reduce your loan costs

3. Why do commercial banks lend to small and medium-sized enterprises

Reason 1: "Prudent" loans to high-quality small and medium-sized enterprises

In fact, banks are chasing loans from high-quality enterprises with collateral and good operating conditions. He didn’t appreciate it: “Don’t you have to repay the loan? Now there are so few orders for enterprises, it’s a burden for enterprises!”

Reason 2: Non-performing loans

Currently I am willing to make great efforts to become a small and medium-sized enterprise. Loans are often given to "small and medium-sized enterprises" in banks - city commercial banks, which are the only local financial institutions in Zhejiang and are typical city commercial banks. From its annual report, it is not difficult to find that small and medium-sized commercial banks are currently struggling to make progress in lending to small and medium-sized enterprises. reason.

Industry operation and economic development have their own cycles. The more the industry is at its trough, the greater the loan risk. The banks themselves will strictly control credit in this industry. Industries such as metallurgy, textiles, automobiles, and foreign trade that have entered a trough during the financial crisis have naturally become unwilling banks.

Reason 3: Information asymmetry, High costs bring obstacles

In addition to the external factors of the current poor economic environment, the system is incomplete, and the operating characteristics of small and medium-sized enterprises are not compatible with the existing credit review standards of banks, which hinders banks from providing credit to the majority of small and medium-sized enterprises. A hurdle for businesses to open their doors. Many people in the banking industry said, "Similarly, if we are making corporate loans, a small business would only need a few hundred thousand a year, while a large company would get a loan of tens of millions a year.

The risk of large enterprises is not greater than that of small enterprises, and loan officers spend the same energy, so of course they are willing to choose to do it

The pre-loan evaluation of small and medium-sized enterprises is risky, and the post-loan management costs are high. It is not only pre-loan marketing and risk Controlling settlement costs is also high. The loan is equipped with a comprehensive marketing information system. Because small businesses cannot cope with the cumbersome taxes, it is common to make false accounts. After taking out a loan, all banks are very strict about non-performing loans. Dealing with silver is a "thankless" job.