For construction machinery loans, it refers to loans used by factories to purchase large-scale construction machinery and equipment. For construction machinery loans, the amount is generally relatively large, so how to handle construction machinery loans has become a lot of questions. Here's how to apply for construction machinery loans.

Conditions for handling construction machinery loans:

1. The borrower must be a natural person between 18 and 60 years old, have full capacity for civil conduct and meet the conditions of individual loan object.

2. The borrower's area is within the business jurisdiction of the branch, and I have a valid residence certificate, and I also need a valid and legal identity certificate.

3. For the borrower, it is necessary to have operational qualifications or be in the name of a company with professional operational qualifications.

4. For the borrower, it is necessary to have a certain mechanical related major, engage in related majors for more than one year, and have certain repayment ability.

5. Meet other conditions stipulated by the bank.

Construction machinery loan process

1. The applicant purchases or leases construction machinery at a dealer designated by the bank, and signs a purchase or lease contract or agreement;

2. The applicant submits a loan application to the bank, fills in the loan application form and submits relevant certificates and materials to the bank;

3. The bank examines the documents, materials and "personal credit report" submitted by the borrower and the guarantor;

4. Both parties sign the loan contract and the corresponding guarantee contract, and go through the relevant insurance and mortgage registration procedures;

5. The bank issues loans, and the loan funds are transferred by the bank to the account opened by the seller or lessor of construction machinery in the bank;

6. The borrower repays the principal and interest according to the agreed repayment method, and goes through the mortgage registration cancellation procedures after paying off all the loan principal and interest;

Second, how to write the application for project loan?

The key is financial profit analysis or project economic benefit analysis; First, the project should be profitable. Secondly, it should be able to repay the loan. All other parts of the business plan should pay attention to the profitability of the project or how to ensure the realization of economic benefits The lender (who is also the person who examines your business plan) is most concerned about whether the principal and interest can be safely recovered from the lent money. Experts suggest that the template format should be arranged. In fact, the purpose of writing business plans for most projects is to ask for money (borrowing or capital participation). The format of a general business plan can be cb 12333.com/onews.asp? Id= 137 Good materials and procedures for applying for self-employed small secured loans 1. Provide small proof materials (ID card) and loan business project plan. 2. Apply to the graduate employment guidance service center under the personnel department of the local government. (2) The Graduate Employment Guidance Center shall, jointly with the relevant departments, conduct a preliminary examination of the basic conditions of the applicants applying for loan guarantees. (3) The Graduate Employment Guidance Service Center will send the applicant's relevant materials that have passed the preliminary examination to the municipal guarantee institution. (4) The municipal guarantee institution shall review the guarantee application. After the guarantee institution promises to guarantee, the Graduate Employment Service Center will submit the relevant materials of the applicant together with the commercial bank with loan guarantee cooperation relationship, sign a guarantee contract with the guarantee institution, sign a loan agreement with the loan applicant, and issue loans, and indicate that the guarantee agreement has been handled on the applicant's self-employment certificate. Application Form for Financial Discount of Small-sum and Small-profit Guaranteed Entrusted Loan (for self-employment) 1No.: Applicant's name, year, month, date, household address, community home address, postal code, laid-off and unemployed □ University graduates □ Demobilization (demobilized soldiers □ rural labor transfer □ Re-employment concession cardNo.: name of self-employed enterprise, business license, total number of people (people), business scope and items: Small-sum secured entrusted loan application period and amount I request small-sum Discount applicant (signature): guarantee column: guarantor's name: guarantor's current address, guarantor's ID number and applicant's relationship, relatives and non-relatives voluntarily use personal credit as a guarantee, urge the discount borrower to fulfill his promise, and help make up the financial discount funds he has enjoyed when the discount borrower violates his promise. Guarantor (seal): confirmation opinion (official seal) of the guarantee center of the Employment Service Bureau. Person in charge: handling bank's audit opinion: (official seal) Person in charge: handling person: year month day.

Third, how to apply for a project loan project?

1. Submit a written application. Provide the following information: (1) Basic information of the borrower. Including the borrower's business license, articles of association, certificate of legal representative or legal person's power of attorney (2) financial statements, the production and operation of the borrower and guarantor in recent years (3) list of collateral and pledge, proof of the right to dispose of collateral and pledge, proof that the guarantor agrees to guarantee (4) valid documents closely related to the application for working capital loans, such as purchase and sale contracts, import and export approvals, and approval for the use of foreign exchange issued by the People's Bank of China (5).