This requires the company's business license and legal representative, because the house you buy is the company's fixed assets. It's a little more troublesome than buying a house. Loans are generally used by companies as commercial loans, unlike individuals buying houses. To buy a house in the name of the company, the information that the purchaser needs to prepare: 1, a copy of the business license; 2. A copy of the tax registration certificate; 3. A copy of the organization code; 4. Official seal of the company; 5. ID card of the legal representative; 6. The agent's ID card; 7. Power of attorney. If the loan is a mortgage, the lender must be the property owner, that is, your name must be on the property certificate. To buy a house in the name of a company, you need to prepare materials:
1, business license 2, resolution of the board of directors 3, legal person identity certificate 4, articles of association. 5. Personal ID card 6, ID card 7, household registration book 8, income certificate 9, one-child certificate or marriage certificate 10, guarantor's income certificate 1 1, loan bank passbook 12, personal loan application form.
Get these materials ready and go to the local bank.
I hope my answer can help you, thank you. Borrowers who buy houses in the name of the company are required to provide materials (copy on A4 paper).
1. Original and photocopy of ID cards of both parties: 7 for the borrower and 2 for the spouse;
2 original and two copies of the household registration book (home page, home page and personal page).
3.( 1) The original and two copies of the marriage certificate (photo page and content page).
(2) provide the original and two copies of the unmarried single certificate (issued by the civil affairs department in the area where the household registration is located)
(3) Two originals and copies of divorce certificate and single certificate;
4. Original and photocopy of income certificates of both parties 1 copy.
Note: Private enterprises are required to provide two copies of their business licenses (they must pass the annual inspection in that year).
Two copies of the tax payment certificate for the last three months;
Other sources of income and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc.). ) can also be provided.
5. The original and two copies of the down payment invoice.
III. Materials provided by the Employer
1 3 ordinary house purchase contract;
2.3 Pre-sale permit;
3 copies of the house number approval form;
4. 1 copy of business license of enterprise as a legal person;
5. Filing 1 contract;
IV. Signature and fingerprint of the customer
1, 1 dialogue notes
2. Two loan applications.
3. Income certificate (both parties) 1 copy.
4. Six loan contracts.
5.4 mortgage forms
6. Two statements.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
What are the conditions and procedures for a loan in the name of the company?
1. Preparation materials: The materials to be prepared for enterprise loans are divided into main materials and auxiliary materials. The main materials include business license, business license, account opening permit, legal person ID card, loan application, etc. Auxiliary materials need to provide the financial statements, enterprise assets, tax bills and bank statements of the applicant enterprise in the past three years. For enterprise asset mortgage loans, it is also necessary to provide collateral ownership certificate and asset evaluation certificate. 2. Submission of materials and applications: For enterprise loans, you need to submit an application at the enterprise loan window and wait for the approval result after submission. 3. Bank approval: For corporate loans, the bank has strict examination and a set of standard approval procedures. In the audit process, not only will the provided information be verified one by one, but also the quality, economic strength, credit information, development prospects and profitability of the enterprise will be evaluated. Finally, the credit rating is given, and the loan amount and term are verified according to the credit rating. 4. Loan signing: If the application is approved, the bank will inform the enterprise to sign the contract soon, and the agent needs the enterprise to provide the entrustment certificate. The terms of the enterprise loan contract are basically the same as those of the individual loan contract, mainly including the purpose, type, amount, interest rate, term and repayment method of the loan. In addition, it will also indicate the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed. After the contract is signed, the bank will transfer the loan to the account stipulated in the contract.
The above is the enterprise loan process, which is basically the same, but the enterprise loan review is more strict. If the business is in good condition and there is no bad credit record, the chances of successful application will be high.
What information do you need for enterprise loans?
Question 1: What application materials do enterprises need to provide when applying for loans? Hello, I need the following information.
I. 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
Second, 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.
Specifically, you can use Baidu Henan Yi Rong loan.
Question 2: What information do you need to borrow from a bank in the name of a company? The enterprise should describe the loan, which mainly includes personal ID card, household registration book, proof of marital status, proof of personal income or proof of repayment ability of personal assets. Proof of loan purpose (such as purchase contract, etc.). ).
Property ownership certificate (if the property is mortgaged by a third party, the identity certificate of the property owner and the written certificate of consent to mortgage are also required). Business license, tax registration certificate, organization code certificate, articles of association and financial statements of the enterprise as a legal person. My friend's unit is run in Yuanyin Xinmao, which is easier than going to the bank by himself, mainly because of its speed.
Question 3: What information does an enterprise need to provide when applying for a bank loan? Step 1: First, you need to submit a written loan application to the relevant bank, get the loan application from the bank credit department, fill it out and return it. The contents of the application include: loan amount, loan purpose, repayment ability and repayment method, and the following materials are required to be submitted: (1) Submit basic information: business license of enterprise legal person (which has been inspected annually), qualification certificate of enterprise legal person, code certificate of enterprise organization, tax registration certificate, account opening permit of basic bank, legal person ID card (all original) and legal person resume; The financial audit report of the enterprise for three consecutive years and the latest financial statement (with financial seal); Enterprise loan card (copy); Business cooperation of commercial banks and internal financing of enterprises: articles of association and list of board members; Articles of association of the enterprise, signatures and power of attorney of the legal person and the authorized person; Basic information such as enterprise profile and related background materials. (two) the auxiliary information of the enterprise's own business scale, financial situation analysis and trend prediction; Product situation, market situation, enterprise development scale, and the level of the same industry; Cooperation needs, plans and suggestions. (3) The business operation must include the credit application information of the enterprise and the resolutions of the board of directors (as required by the articles of association); The specific use of enterprise loans and the use direction of funds (plan and total amount of funds); Analysis of repayment sources (plans and measures), monthly cash flow analysis of repayment fund arrangements; Mortgage situation, other relevant legal documents, letters and telegrams, etc. In addition, if a guarantee is needed, the guarantee company also needs to provide the above materials. Step 2: Examination and approval of projects: Investigators confirm the purpose of the review, select the main inspection projects, and formulate and begin to implement the review plan. Credit evaluation: Investigators determine the credit rating of the lender according to the quality of the lender's leaders, economic strength, capital structure, performance, operating efficiency, enterprise development prospects and other factors. This assessment is conducted by the specific person in charge of bank credit or an assessment agency approved by the relevant department. Feasibility analysis: Investigators explore the causes of the problems found, and determine the nature of the problems and the procedures that may affect the problems. Among them, the analysis of the financial situation of enterprises is the most important. Comprehensive judgment: the examiner verifies the materials provided by the investigators, judges the current situation, medium-and long-term development and profit and loss of the enterprise, re-speculates the risk degree of the loan, puts forward opinions, and conducts examination and approval according to the prescribed authority. Pre-lending review: conduct the final pre-lending review through direct investigation and side investigation. After the audit, the bank manager will write a loan audit report and clearly indicate whether the loan can be issued and submit it to the superior leader for approval. Step 3: Sign a Contract If the bank thinks that all loan applications meet the requirements and agrees to the loan, it should sign a loan contract with the lender. Step 4: After the loan issuance contract is signed, both parties verify the loan according to the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.
Question 4: What information and procedures should a company provide to apply for a loan from a bank? 1 loan application form
2. A copy of the borrower's business license
3. Copy of the borrower's organization code certificate
4. Copy of the borrower's tax registration certificate (national tax and local tax)
5. Copy of the borrower's business license for special trade.
6. Copy of enterprise qualification grade certificate
7. Copy of the borrower's account opening permit
8. Copy of loan card and annual inspection certificate
9 Borrower's Articles of Association
10 Borrower's capital verification report
1 1 Signature style and seal of legal person and chief financial officer
12 copy of the resume and ID card of the legal representative
13 resumes and identity certificates of the person in charge and the person in charge of finance.
14 description of the competent unit of the enterprise and its affiliated institutions or subsidiaries
15 audited financial reports and recent financial statements for the last three years
16 Detailed financial information of the latest month.
17 description of external guarantee and financing of enterprises
18 Relevant resolutions or documents of the shareholders' meeting or the board of directors of the enterprise that agreed to apply for the loan.
19 power of attorney
20 project approval documents
2 1 project feasibility study report
22. Proof of business premises of the enterprise
23. Provision of "Four Certificates" for Construction Projects
24 credit information inquiry report
25 Transaction contracts and agreements related to loans
Question 5: What information do enterprises need to provide for mortgage loans? 1. Prepare information.
The materials needed to apply for mortgage loan include business license, organization code certificate, account opening certificate, loan card, national tax registration certificate, recent audit report and recent financial statements, as well as collateral details, such as real estate appraisal report, real estate license and land certificate, which are mainly these. Of course, some banks also need transaction details.
2. Real estate appraisal
Real estate appraisal has specialized mortgage appraisal institutions. In the evaluation process, if the house value can't meet the loan demand, the evaluation value should be slightly higher than the market value at the time of evaluation. However, if the value of the house far exceeds the value of your loan, then the evaluation value is close to the bottom line of the market value, which can avoid a lot of handling fees.
3. Bank interview
After real estate assessment, individuals bring relevant information to the bank to sign a loan agreement.
4. Bank approval
After the loan agreement is signed, it will be approved by the bank. The approval time of each bank is different, but the general information will be approved in a short time. If the required information is incomplete, the bank will issue a notice to complete the information before giving a reply.
5. Mortgage registration
After the approval of the bank, the applicant goes to the Industrial and Commercial Bureau to register the low collateral of the loan, and the mortgage registration will generate a certain mortgage registration fee. However, mortgage registration is necessary to ensure the repayment of the applicant's loan and get priority protection.
Question 6: What materials should be prepared for SME loans? SME loan application materials:
1, my valid identity certificate and proof of residence address;
2, private enterprise business license, tax registration certificate, legal person code certificate and other administrative qualifications;
3 private enterprise tax payment certificate (or loan card);
4. The audited financial statements of the previous year;
5. If you apply for a loan by pledge, you must submit the pledge of the rights required for the guarantee, and if you pledge the rights of a third party, you need it.
Provide the pledgor's identity certificate, pledge authorization and written documents agreeing to pledge;
6. To apply for a loan secured by real estate mortgage, the borrower must provide more than two sets of real estate ownership certificates.
A written document in which someone agrees to mortgage the house;
7. If the real estate under the name of a third person is mortgaged, the identity certificate and mortgage authorization letter of the real estate obligee shall also be provided.
A written document from the owner of the house agreeing to mortgage;
8. If the borrower or a third party takes the property owned by * * * * as collateral, it is required that the property owned by * * * * be accompanied by a written document agreeing to mortgage.
At the same time, someone must sign the mortgage contract;
9. A purchase and sale contract or invoice that can prove that it is consistent with its business scope;
10, other information specified by the bank.
Question 7: What are the conditions for enterprise loans? What materials need to be prepared? Hello, at present, our bank has launched loans for small and micro enterprises for business purposes. I will provide relevant information for your reference. The borrower/actual controller of the borrowing enterprise shall meet the following conditions:
1. China citizens with full capacity for civil conduct.
2. Have legal and valid identification, and the age plus credit/single loan period shall not exceed 60 years old in principle, and the maximum shall not exceed 70 years old.
3. It has the ability to repay the principal and interest of the loan on time, is law-abiding, honest and trustworthy, and has no illegal acts. At present, it has not involved any criminal cases or civil cases against it.
4. The borrower/actual controller of the borrowing enterprise should have more than 3 years of continuous and successful business experience in the industry corresponding to the loan purpose, and it can be extended to 2 years if one of the following conditions is met:
1) Small and micro enterprise mortgage loan with full mortgage of real estate.
2) Small and micro enterprises jointly guaranteed by professional guarantee companies, natural persons or natural persons attach insufficient mortgage loans.
3) The guarantee method is small and micro enterprise loans jointly guaranteed by professional guarantee companies, natural persons or natural persons.
5. The credit record of the borrower/actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II.
6. In a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise. For natural persons who are engaged in legal production and operation, but do not need to apply for a business license according to the current policy, such as farmers, fishermen and other natural persons who can provide proof of legal operation, they can also apply for personal business loans.
7. In small and micro enterprise corporate loans, the actual controller of the borrowing enterprise provides full irrevocable joint liability guarantee for the loan.
Question 8: What information does the company need to apply for a bank loan and what procedures do it go through? The materials to be prepared include: five certificates of the company, corporate flow to public and private, upstream and downstream contracts, company office address lease contracts, and utilities invoices.
Question 9: What materials should be provided for enterprise loans? Materials required for formal corporate loans 1, application; 2. Company profile; 3. A copy of the company's business license; 4. Enterprise code certificate; 5. Tax registration certificate (national tax and local tax); 6, special industry production and business license, qualification certificate; 7. Articles of Association; 8. Capital verification report; 9. Brief introduction of the legal representative; 10, ID card of legal representative; 1 1. The identity certificate of the legal representative issued by the company; 12. The board of directors agreed to the loan resolution; 13, financial statements verified by accounting (auditing) firms in recent three years; 14. Balance sheet, income statement and cash flow statement for the last three months; 15. Description of financial status: a) Description of liabilities; B) investment description; C) Description of sales revenue and profit sources of the enterprise; 16, loan card and password; 17. Description of providing loan guarantees for other enterprises; 18, repayment plan; 19, copies of ongoing and upcoming commercial contracts; 20, fund use plan or project feasibility report; 2 1. collateral required materials: a) collateral ownership certificate (state-owned land use right certificate, house ownership certificate); B) collateral assessment report. LU 12 Hefei 055 1 Investment and Financing Management Co., Ltd. was established in June 2008. It is a comprehensive business integrating entrusted financing loans, short-term loans, Hefei credit loans, Hefei, Hefei enterprise loans, Hefei automobile loans, Hefei housing loans, Hefei private loans, Hefei land loans, Hefei mortgage loans, Hefei venture loans, Hefei second-hand housing loans and Hefei land loans. Address: Room 12A03, Huijin Building, the intersection of Feixi Road and First Ring Road, Hefei