① Customer groups: limited companies or wholly-owned enterprises aged 24-65 who have been established for more than 6 months and have complete three certificates.
company representative
(2) Income requirements: the monthly income is more than 30,000 yuan, and it is necessary to provide personal or company running water in the past six months.
③ Credit status: no bad default record.
④ Other conditions: local real estate.
⑤ Other restrictions: entertainment, steel trade and other high-risk industries are not allowed to enter.
First, the enterprise loan application materials (legal person)
① Business license (original and photocopy) that has passed the annual inspection.
② Valid identity documents of the legal representative and spouse.
(3) The financial statements and bank accounts are flowing.
④ Collateral ownership certificate
⑤ Other materials required for handling loans.
2. Enterprise loan refers to a loan granted by an enterprise to a bank or other financial institution in accordance with the prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Third, credit loans.
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Four. fixed assets
Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.
According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:
1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. Capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects and restoration and reconstruction projects.
2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
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.
What is the whole process of enterprise loan?
What is the whole process of enterprise loan? How to handle enterprise loans? Let's take a look together.
1. What are the application conditions for enterprise loans?
1. An enterprise must first obtain a business license approved by the industrial and commercial department.
2. Enterprises need to be able to independently engage in production, commodity circulation or other activities, and at the same time be able to independently account for economic income and be responsible for their own profits and losses.
3, enterprises must have independent operating funds and financial plans, accounting statements, can rely on their own income to make up for expenses, and have an independent foreign purchase and sale contract.
4. The enterprise must have certain self-owned funds and need to open an independent account in the bank; The products we handle need to have a certain market.
2. What materials do enterprises need to prepare to apply for corporate loans?
1. Enterprises applying for enterprise loans need to provide business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. When applying for corporate loans, enterprises need to provide annual reports for the last three years, financial statements for the last three months and corporate bills for the last six months.
3. When applying for enterprise loans, enterprises need to provide business premises lease contracts, proof of rent payment, and water and electricity charges for the past three months.
4. When applying for enterprise loans, enterprises need to provide all kinds of tax forms and signed purchase and sale contracts (if any) in the past six months.
5. Enterprises applying for enterprise loans need to provide proof of assets under the name of the enterprise.
3. What is the process for enterprises to apply for corporate loans?
1. Enterprises need to apply for loans from banks and provide relevant materials.
2. After the enterprise obtains the loan qualification, it needs to sign loan contracts and guarantee contracts with banks and guarantors.
3. After completing the loan procedures, the enterprise still has to go through the loan procedures according to the procedures. After all the formalities are completed, the bank will transfer the enterprise loan to the account opened by the enterprise.
4. After the enterprise gets the enterprise loan, it needs to allocate the enterprise loan according to the contract funds, and at the same time, it needs to repay the loan principal and interest on time.
Loan fast track:
If you need a loan, please click on the online loan fast track to apply for a loan.