1. Interview: As project loans are generally medium and long-term loans, involving a relatively high amount, a lot of communication and investigation are needed in the early stage. Go to the bank to interview the account manager, mainly introducing the company's nature, registered place, operating years, products, shareholders, managers, financing needs, uses and so on. In addition, it is necessary to introduce the current progress of the project, the proportion of its own funds, application procedures, etc.
2. Acceptance: After receiving the loan application, the bank needs to set up a project team to make a preliminary judgment on the legal compliance, construction conditions and profit prospects of the project. Those who do not meet the requirements will be rejected directly, and if accepted, an in-depth investigation will be conducted.
3. Investigation: loan applicants need to provide detailed information, such as loan application, business license, organization code certificate, national (local) tax registration certificate, loan card, account opening permit, seal sample, personal credit inquiry authorization and other necessary documents and books. There are also some capital verification reports, articles of association, identity certificates of responsible persons, financial statements, collateral certificates, etc. , and detailed information related to the project. After receiving the information, the bank will also conduct on-site investigation to verify whether the relevant information is complete and true, and will also make an estimate of the future development of the project.
4. Lending: The bank will issue an analysis report to inform the borrower of the approval results, then sign a contract and wait for the loan.
The above is an introduction to the project loan application process, and I hope the answer will be helpful.