cannot

Because individuals have100000 deposits, as long as the source is legal, they are protected by law. But if it doesn't match your income, you may be required by the regulatory authorities.

Is it possible for a small company to owe money to the bank?

Theoretically impossible, banks will conduct enterprise surveys before lending or borrowing business to determine the flow and scale of enterprises, and handle loans for small companies according to the volume of enterprises. Therefore, it is unlikely for small companies to obtain tens of millions of loans under normal procedures.

However, it is also possible for small companies to accept tens of millions of debts from other trading companies through acceptance bills or equity transactions.

How much can a corporate loan generally lend?

There are many types of bank loans, and the amount of different types of loans will be different. If you need to know more about the loan amount, you can consult the enterprise bank.

The above contents are for your reference. Please refer to the actual business regulations.

How to borrow tens of millions from banks? What are the requirements?

1, Borrower: You should have a relatively good borrower, set up a company, have a registered capital of100000 or more, have been in business for many years, have a local business entity, and be in good business condition, at least from the outside.

2. Use of the loan: within the business scope of the company, it is necessary to purchase raw materials, commodities, factories and equipment. . . Wait, this is10 million. Where are you going to invest?

3. Guarantee method: it can be mortgaged or pledged through factories, houses, shops, machinery and equipment, or pledged by means of equity, management rights and project advance payment; You can also ask some well-known big companies to do credit guarantee; You can also find a professional guarantee company outside to guarantee.

4. Find a bank with a good relationship. Generally speaking, your company's bank has a good relationship, which can be operated in some aspects, and the pre-loan review is also relatively easy to operate.

Basically, it is the above aspects, and there are still questions to ask.

Can enterprises borrow10 million?

It is ok to borrow100000 yuan. At present, SME bank financing loan products mainly include tax loan, ticket loan, running loan, mortgage loan and secured loan. According to their own capital needs, comprehensive qualifications, credit information, assets and liabilities, get different credit lines.

1. Tax loan: Generally, the enterprise is required to be established for more than 2 years, pay taxes of more than 20,000 yuan, the loan interest rate is 3.55%-7.85% annually, and the maximum credit line is 300W W.

2. Ticket loan: Generally, the enterprise is required to be established for more than 2 years, with an invoice amount of more than 2 million, an annualized loan interest rate of 4.65%-8.85% and a maximum credit line of 400W.

3. Current loan: refers to unsecured credit loans issued by banks to enterprises according to their operating conditions. In this way, the loan interest rate is high, ranging from 9% to 16%, because the risk borne by the bank is large, and the credit line depends on the evaluation result of the bank;

4. Mortgage loan: apply for a loan from the bank with the property under the name of the company or legal person or shareholder as collateral, with an annualized loan interest rate of 3.89%- 10%, and the maximum present value of the collateral does not exceed 70%;

5. Secured loan: Secured loan is a loan granted on the condition that a third party provides corresponding guarantee for the borrower. The annualized loan interest rate is 5%- 1 1%, and the credit line depends on the bank evaluation results; However, the interest rate of venture guarantee loan is low, and the lowest can reach 2.2%.

In addition, some institutions can make accounts receivable mortgage loans, and the collateral can reach up to 60%. Of course, if a legal person has a good personal credit, he can also apply for a personal loan to solve the urgent needs of the enterprise.