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I don't know how you understand large sums. The maximum amount of unsecured bank credit loan is 6,543,800+100,000, and more than one million people need mortgage loans. Loans can be handled directly in banks or through intermediary financial companies. 20 18-04-2603:06 Generally, mortgage loans need to be evaluated, certificates of other rights, mortgages, loans and other processes. The general loan amount is 50% of the value of the collateral. If the loan is 20 18-04-2603:09, it is best to apply for a mortgage loan.
Process of handling real estate mortgage loan:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Go to the designated institution of the bank to evaluate the real estate;
4. In front of the bank;
5. Bank filing and approval;
6. Approve the next batch of loan letters;
7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;
How to handle large loans for enterprises?
1, which has the ability to repay the principal and interest on schedule, that is, the original loan principal and interest payable have been repaid, and the repayment plan approved by the bank has been made for the outstanding loan;
2, the administrative department for Industry and commerce for annual inspection procedures;
3. The asset-liability ratio meets the requirements of banks and so on.
Loan application form
It is required to fill in two copies, affix the official seal of the company, provide the name and seal of the legal person, the power of attorney entrusted by the legal person to handle the loan procedures, and the general situation of the enterprise legal person.
Loan application form
Preparation materials:
1, the enterprise loan certificate that has passed the annual examination handled by the statutory issuing authority;
2. Loan application report. The report includes the following contents: basic information of the enterprise, including registered capital, nature of the enterprise, affiliation, office location, telephone number, contact person, main business and enterprise introduction; General situation of enterprise legal person, including name, gender, education level, professional title, occupation and position, performance, etc. ; Write down the loan amount, purpose, term, repayment method and guarantee form in detail, and attach the project feasibility report, purchase and sale contract, etc. ; The financial status of the enterprise, including monetary funds, inventory, total liabilities, total owners' equity, total assets, current net profit and total accumulated profits in the latest year;
3. Financial statements. Including two aspects: the balance sheet, income statement and statement of changes in financial position of the previous year; Current balance sheet and income statement;
4. Relevant certificates and vouchers (both the borrower and the guarantor must submit). These certificates include: a copy of the business license and its copy; Legal person ID card and its copy; If someone else signs instead of a legal person, a copy of my ID card and a power of attorney of the legal person must be submitted (the power of attorney must be signed by the legal person and stamped with the official seal);
5. Materials to be submitted for loan guarantee. That is, a copy of the business license of the guarantee unit and a copy; The financial statements of the guarantee unit, including the balance sheet, income statement and statement of changes in financial position of the previous year, as well as the balance sheet and income statement of the current period; The certificate that the guarantee unit agrees to the guarantee shall be stamped with the official seal;
6. Materials to be submitted for mortgage and pledge of secured loans. Such as: detailed catalogue of mortgage and pledge and proof of property right or ownership; Proof of the value of collateral and chattel pledge; An assessment report on collateral and chattel pledge issued by an intermediary agency designated by the bank; Evaluation of pledge of rights; Documents and certificates registered by the registration authority, etc.
What loan types can enterprises apply for? Mainly these!
If an enterprise wants to operate and expand normally, it must have enough liquidity, otherwise it will be difficult to maintain normal operation. Loans from banks are a common way to raise funds. What types of loans can enterprises apply for? Mainly related to the enterprise's own situation, the following are more common types of loans to meet the needs of most enterprises. You can learn more about them.
1, guaranteed loan
At present, the common enterprise loan is that some small enterprises with loan needs unite to guarantee each other and apply for loans from banks in a unified way. Once one of the members is overdue, other enterprises will bear joint and several liability. Many small households in rural areas adopt this method, and there is no need to provide additional mortgage guarantee or turn to loan companies for help. The cost is relatively low, and the next payment is fast, but the risk is relatively high. It's best to know the ins and outs of this kind of loan first.
2. Credit loan
For example, the Wechat business loan of Weizhong Bank is a kind of enterprise credit loans that can be applied online. This kind of loan product is characterized by low threshold, fast payment, convenient handling and direct online application, which can quickly solve the capital problem of enterprises.
Enterprise credit loans does not need mortgage guarantee, mainly depending on the information and credit report of the legal representative. In addition, the business, income and credit reports of enterprises are also the key contents of bank audit.
3. Mortgage loan
As long as there are eligible collateral under the name of the enterprise, such as houses, shops and fixed assets. You can get a large loan in the form of mortgage loan, which is generally 80% of the asset value. This kind of loan has a relatively high pass rate and a relatively high amount.
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.
How long does it take for enterprises to borrow hundreds of millions of mortgages?
Loans for large enterprises will generally arrive within 15 working days, and will not exceed 25 days at the latest.
However, it should be noted that when the loan has been approved, banks will be more cautious in approving large loans of enterprises than ordinary people and will examine more information.