1. To apply for a corporate loan, the following conditions must be met: 1. It conforms to the national industrial and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; 2. The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits; 5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors; 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; 7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are 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; 8. Abide by the policy of establishing industry credit related to small enterprises; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account or a general settlement account with the applicant bank.

2. The information that small and medium-sized enterprises need to provide when applying for loans is as follows: the name, contact number, mobile phone, fax, contact address, postal code, website address and email address of the specific manager, and the following materials: 1 Original and duplicate of business license; Enterprise name and business address (province, city and county) 2. Original and photocopy of organization code certificate; 3. Original and photocopy of tax certificate; 4. A copy of the account opening permit; 5. Copy of the loan card and password (or copy of the query result of the loan card); 6. A copy of the original ID card of the legal representative; Work experience (work experience and position) of the legal representative; 7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of the agent's ID card; 8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan); 9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality); 10. Copy of capital verification report; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months; 1 1. Property area, purchase value (ten thousand yuan) and location of the property (province, city and county); 12. The most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity; 13. Accounts receivable (ten thousand yuan); 14. Total bank loans (ten thousand yuan) and other loans (ten thousand yuan); 15. Total loan amount (ten thousand yuan), project purpose and feasibility report; 16. Guarantees that can be provided (proof of ownership of residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.). ); Counter-guarantee measures to be provided; Loan application; 18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee; 19. Original and photocopy of the production and operation license for special industries; 20. basic account Bank.

How to borrow a company mortgage loan?

What are the procedures and conditions of company mortgage loan?

What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.

For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.

After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.

The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.

To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.

If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!

How to borrow a company loan?

1. Choose a good enterprise loan type.

Pure credit: tax loan and invoice loan.

Mortgage loan: operating mortgage loan

2. Look at your own business situation.

Establishment time: the minimum establishment time for corporate loans of general banks is over 1 year, and generally it is between 1-3 years;

Company size: Many products will set different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount, quota increase, etc., such as enterprises that recruit disabled people, accept veterans' employment, or enterprises that meet other standards;

Business data: generally, the business process, tax payment data and invoice data of the enterprise are used as the reference for credit granting. The better the data, the higher the credit line;

Bad record: whether the enterprise has execution record or judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;

Industry: whether it belongs to forbidden industries (such as three highs and one limit, finance, entertainment, teaching and training, etc.). ), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;

Location: Many bank products have geographical restrictions. You can read the detailed product introduction before applying to avoid wasting credit information.

3. Conditions of opinion person/shareholder.

Age of legal person: For corporate loan products of general banks, the applicant is required to be a corporate legal person or a shareholder with more shares, and must be 18 years of age or older. In fact, most banks require them to be over 20 years old;

Legal person's credit investigation: Credit investigation is the key investigation, and it is best to have no overdue records, frequent inquiry records and white households. Products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that a large amount of money cannot be overdue for more than three times in a row, no more than three times in one month, no more than five times in two months and no more than eight times in three months.

Mortgaged property right: If the husband and wife jointly own real estate, they need to check the spouse's credit information when handling mortgage loans. Some products will relax access requirements, and assets under shareholders' names can also be mortgaged;

4. Determine the products and application methods.

At present, there are two ways: offline application and online application. The advantage of online application is that it does not need paper documents, but can be operated on a computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.

How to make enterprise loans

Enterprises that want to borrow money can handle it through banks or other financial institutions. The specific loan methods are as follows:

1. Confirm the required loan amount before submitting a loan application to a bank or other financial institution;

2. It is necessary to prepare basic enterprise information, financial statements and loan information required by banks or other financial institutions, and then submit them to banks/institutions for review;

3. If approved, a loan contract can be signed, and repayment can be made according to the contract after the next payment.

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.

Extended data:

Enterprise loan application conditions

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are 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;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.