Does Shaanxi Xianyang enterprise loan need its own funds?
Self-owned funds are funds held by enterprises in the course of operation, which can be paid on credit and do not need to be repaid after use, similar to our personal bank deposits. Compared with personal loans, corporate loans are more risky, especially some credit loans, which do not need mortgage guarantee, and enterprises should have certain self-owned funds.
After all, the enterprise's own funds are the basic guarantee of its ability to resist risks. In the case of poor operating income, you can use your own funds to repay the loan. Therefore, if an enterprise does not have its own funds, lending institutions will generally not issue loans, and many institutions will also grant credit according to their own funds.
In addition to having its own funds, enterprise loans must meet the following conditions:
1. Good corporate credit: First, enterprises pay taxes in good faith, and the higher the tax payment level, the better, and they have not been punished by administration; Second, we must have the willingness to repay and be able to perform our duties on time.
2. Good qualifications of business owners: business owners have not been overdue in the last six months, their income is stable, they have the ability to repay loans, and their personal debt ratio does not exceed 50%.
3. The financial statements are true and reliable: the financial status of the enterprise is the key audit content of the lending institution. Generally, it is necessary to provide audited annual financial statements for two consecutive years and unaudited monthly financial statements for the first period. Financial details should be true, clear and standardized.