1. The borrower shall be an enterprise approved and registered by the administrative department for industry and commerce, with a business license issued by the administrative department for industry and commerce and passed the annual inspection;
2. Holding a loan card issued by the People's Bank of China that has passed the annual inspection;
3. Handle tax registration according to law, pay taxes according to regulations, and the borrower has a good reputation and the ability to repay the principal and interest on schedule;
4. The borrower must have a certain credit registration and no bad credit record;
5. The borrower can pass the audit of large automobile manufacturers and agree to issue a letter of commitment;
6. Under normal circumstances, the borrower should open a basic account or ordinary account in the applicant bank;
7. Other loan-related policy requirements stipulated by the bank.
The process of loan to buy a car is more similar to that of personal loan to buy a car. Companies don't give loans to buy cars, mainly because they don't meet the conditions for buying cars with loans. The applicant is an enterprise or institution with legal personality: it has the ability to repay bank loans; During the loan application period, there must be no less than the down payment for car purchase stipulated by the bank and deposited in the accounting department of the bank; Provide recognized guarantees to banks.
legal ground
Company Law of the People's Republic of China
Article 148 Directors and senior managers shall not commit any of the following acts:
(1) Misappropriation of company funds;
(2) Opening an account for the company's funds in its own name or in the name of other individuals.
(3) Lending the company's funds to others or providing guarantee for others with the company's property without the consent of the shareholders' meeting, the shareholders' general meeting or the board of directors, in violation of the provisions of the company's articles of association;
(four) in violation of the articles of association of the company or without the consent of the shareholders' meeting or the shareholders' meeting, enter into a contract or conduct a transaction with the company;
(5) Without the consent of the shareholders' meeting or shareholders' meeting, taking advantage of his position to seek business opportunities belonging to the company for himself or others, and running the same business as the company he works for;
(six) accept the entrustment of others and regard the transaction with the company as your own;
(seven) unauthorized disclosure of company secrets;
(8) Other acts that violate the obligation of loyalty to the company.
The income of directors and senior managers who violate the provisions of the preceding paragraph shall be owned by the company.