Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Bank loans are divided into personal loans and corporate loans. The following small series introduces the conditions that personal loans and corporate loans need to meet.
(A) personal bank loan conditions
1, natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);
2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
3. The borrower's actual age plus the loan application period shall not exceed 70 years old;
4. Information to be provided by the borrower:
(1) ID card, household registration book/temporary residence permit, and household registration book for foreigners;
(2) Two copies of marriage certificate/divorce certificate or court judgment/single certificate;
(3) proof of income (in the format stipulated by the bank);
(4) A copy of the business license of the unit (with official seal);
(5) Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
(B) corporate bank loan conditions
1. The loan enterprise must be an enterprise approved and registered by the administrative department for industry and commerce;
2. Enterprises with fixed business premises, necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability;
3. Have a sound financial accounting system, and provide business operation reports and statistical reports to banks;
4. Abide by national laws, regulations and policies and operate according to law;
5. The loan is used for industries permitted and encouraged by national policies.
6, the enterprise should provide materials
(1) Valid proof of basic enterprise information: including business license, organization code, tax registration certificate, loan card and articles of association. The above are the necessary documents for the establishment of each enterprise, and these are also the materials that banks must produce to accept loans, which represent the identity of enterprises and can accept loans according to the requirements of enterprises.
(2) Enterprise operation: The main information includes the operating bills and financial status of the enterprise in the past six months, and the fixed assets also need valid vouchers. In a word, the second document is a certificate representing the assets of the enterprise, indicating that the enterprise has the ability to repay the bank loan. If this document is not prepared adequately, the loan will be frozen.
(3) Personal valid certificate of the legal representative of the enterprise: In addition to the relevant information of the enterprise, the valid certificate of the legal representative of the enterprise should be submitted to the bank, including a copy of ID card, proof of financial income, bank running account, etc.