Yes, enterprise loan application extension needs to provide statements in order to better understand the financial situation and repayment ability of the enterprise. Statements should include financial statements such as the balance sheet, income statement and cash flow statement of the enterprise, as well as financial reports and audit reports of the enterprise, so as to better understand the financial situation and repayment ability of the enterprise. In addition, the enterprise also needs to provide other documents related to the loan application, such as business plan, operating status statement, guarantee documents, etc. In order to better understand the operating conditions and repayment ability of the enterprise.
What is the process of deferred repayment of corporate loans? Can enterprises apply for deferred repayment?
1. is a credit principle that enterprises must abide by, and it is also a prerequisite for banks to speed up credit supply. If the enterprise fails to repay the loan on schedule due to special circumstances, it shall apply and explain the situation. After the approval of the bank, the repayment time can be extended, but the extension procedures need to be handled, otherwise it will be treated as overdue loans.
2. You can apply to the bank for an extension of repayment, which is called "extension" in banking business, but the extension cannot last long. Banks have strict restrictions on this to avoid non-performing assets.
You can negotiate with the bank to repay the old loan, that is, pay off the old loan and apply for a new mortgage loan, so that the loan period can be longer. It is recommended to consult at the bank counter.
Can I apply for an extension when the loan expires?
Legal analysis: If the bank loan is not paid, you can apply for an extension. If something happens and you are temporarily unable to repay, the applicant needs to take the initiative to contact the bank, explain the specific reasons, and then show the willingness to repay voluntarily before applying for an extension. The bank will decide whether to postpone it according to the situation.
Legal basis: Article 12 of the General Principles of Loans stipulates that if the loan cannot be repaid on schedule, the borrower shall apply to the lender for extension before the loan expires. Whether the extension is decided by the lender. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledgor shall also issue a written certificate agreeing to the extension. If there is an agreement, it shall be implemented in accordance with the agreement.
The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.
Can I apply for a loan extension?
You can apply for an extension. Borrowers can find some reasonable reasons, explain to the bank the particularity of their own situation and the approximate repayment time, ask the bank to understand, indirectly apply for an extension, and strive to extend the repayment period.
1. Loan extension refers to the behavior of the lender to delay the repayment of the loan when it applies to the loan bank and is approved. If the loan cannot be repaid at maturity, the formalities for extending the repayment time shall be handled after approval. It is a credit principle that enterprises must abide by, and it is also a prerequisite for banks to speed up credit supply. If the enterprise fails to repay the loan on schedule due to special circumstances, it shall apply and explain the situation. After the approval of the bank, the repayment time can be extended, but the extension procedures need to be handled, otherwise it will be treated as overdue loans.
Two, under normal circumstances, 30 working days in advance to the loan bank to apply for extension. The loan extension shall not be lower than the original loan conditions: the short-term loan extension shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years.
3. During the performance of the original contract, if the borrower fails to repay the loan on time according to the original repayment plan, he may submit a written application to the loan bank to extend the loan term. After the loan bank agrees, he shall sign the Agreement on Deferred Repayment of Personal Housing Loan and go through the relevant formalities, and the guarantor shall sign the Agreement on Deferred Repayment.
First, go to the counter to apply for bringing your ID card and loan contract to submit an application for deferred repayment to the staff, show relevant information according to the requirements of the staff, and handle it with the help of the staff.
Second, you can call customer service to apply for connecting the phone, then connect the manual service according to the prompt, and then apply to the staff for deferred repayment. After that, you can provide the ID number and the contract number of the loan.
3. Generally, apply to the loan bank 30 working days in advance. During the performance of the original contract, the loan extension shall not be lower than the original loan conditions, and the short-term loan extension shall not exceed the original loan term; The medium-term loan extension shall not exceed half of the original loan extension; The longest extension of long-term loans shall not exceed 3 years.
4. During the performance of the contract, if the borrower fails to repay the loan on schedule according to the original repayment plan, he may submit a written application to the loan bank to extend the loan period. After the loan bank approves, the guarantor will sign a deferred repayment agreement.
Can I apply for an extension of the repayment date of the company loan?
Under normal circumstances, enterprises can apply for extension on the repayment date of loans, but before applying for extension, they need to apply to the bank according to the provisions and specific conditions in the loan contract. When applying for extension, the enterprise shall provide the bank with proof of payment ability in time and fill in the relevant documents carefully to ensure the success of the extension application.