1) The enterprise has been established for at least three years;
2) The invoiced amount in the past six months is not less than 654.38+500,000;
(3) Having a fixed business place; In good financial condition;
(4) Other relevant conditions required by the bank. The loan term and amount of small and medium-sized enterprise credit loans are generally10-100000; The loan term is generally 1-3 years.
Loan application materials
1) Basic information of the enterprise: business license, organization code certificate, tax registration certificate, company profile or organization documents, etc.
2) The identity certificate of the legal representative of the enterprise, the identity cards or passports of the company's key personnel and shareholders holding more than 15%, etc.
3) Property right certificates or lease contracts of business premises such as workshops, offices and warehouses;
4) The financial statements (balance sheet, income statement and cash flow statement) of the enterprise in the last two years and the bank statements and financial vouchers (such as the summary of enterprise VAT invoices) in the last six months. );
5) Loan certificate (card) issued by China People's Bank;
6) Other information required by the bank.
Loan application procedure
1) Small and medium-sized enterprises apply for loans: applicants need to provide business licenses, tax registration certificates, organization code certificates, loan cards, recent financial statements and other materials that have passed the annual inspection;
2) Credit review and loan review of lending institutions;
3) The loan enterprise signs a contract with the loan institution;
4) Lending institutions issue loans.
Application conditions of enterprise mortgage loan
(1) Legal representative/shareholder and individual industrial and commercial households of the enterprise;
(2) The enterprise can operate if it is profitable, and the profit scale is not limited;
(3) If it is a small-scale taxpayer, it shall, in principle, operate continuously for more than 1 year. The interest rate of enterprise mortgage loan shall be implemented according to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China or be appropriately raised.