The loan requires the enterprise to provide the following information: 1, business license of the enterprise, 2, account opening license, 3, loan card (get the application form from the People's Bank of China and stamp it at the bank where the enterprise's basic settlement account is opened), 4, audited annual financial statements for two consecutive years and the latest unaudited monthly financial statements.
Matters needing attention (the key factor of whether a bank can lend): 1, and the asset-liability ratio shall not exceed 60% (including the loan amount you apply for); 2. In the financial statements, the annual operating net cash flow should not be negative; 3. The profit cannot be negative, and the net profit rate should be above 10%. 4. The approval of the loan amount generally does not exceed 30% of the sales revenue of the previous year.
Enterprises applying for loans need to provide their financial statements, articles of association, resolutions of the board of directors, account opening licenses, loan cards, bank accounts, tax payment certificates, valid ID cards of legal representatives, and so on. Remarks: If an enterprise wants to get a loan smoothly, it is best to provide collateral as a guarantee. Without collateral, it is difficult to apply for a loan.
What information and procedures does a company need to provide when applying for a loan from a bank?
Application materials:
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
operation flow
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Enterprise loan: depending on the specific business situation of the enterprise.
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
Extended data:
Generally speaking, the bank's credit to enterprises mainly examines four aspects:
1, bank credit
Including settlement credit and loan credit:
Settlement credit refers to the normal cash settlement of the enterprise applying for a loan, and there are no bad records such as violation of settlement discipline, refund, bill refund and fine.
Loan credit means that the enterprise applying for a loan has a good willingness to repay, has borrowed from the bank, and has no insolvency such as loans overdue and interest default.
In particular, the boss must pay attention to finance personally. Some enterprises forgot the repayment date because of a moment's negligence. Once the repayment period has passed, it will become overdue and become the "blacklist" of the banking system (Shanghai's banking system is networked).
You are suddenly "dark", and the whole city knows. Even if you think about it the next day, it's hard to ask for a rain check. Even if the president wants to help you, there is nothing he can do. Remember: it is not difficult to borrow again after borrowing and returning!
2. Commercial credit: The enterprise applying for loans can abide by the promises of the merchants and will not breach the contract in the performance of the contract and the settlement of accounts payable and debts.
3. Financial credit: accounting settlement is standardized, accounting statements are authentic, assets are true, and there is no fraud such as cash withdrawal.
4. Tax credit: the enterprise can pay the tax payable on time, and there is no bad record such as tax evasion. The above are the four principles for banks to inspect the creditworthiness of borrowing enterprises.