1. What are the conditions for industrial bank corporate loans?

Enterprise loan conditions

1. Industry restrictions for borrowing enterprises. To apply for a loan from a bank, the first condition that an enterprise must meet is that it cannot be in prohibited industries specified by the bank, including : Real estate development, intermediaries, entertainment and high-pollution, high-energy-consuming industries, etc.;

2. Borrowing companies basically need to provide guarantees, generally including credit loans, mortgages (mostly real estate), pledges (various (such as valuable bills or securities, etc.), loans guaranteed by third-party guarantee companies, multi-family joint guarantees (joint and several liability system);

3. The credit requirements of enterprises generally include bank credit, commercial credit, financial Credit and tax credit

4. For enterprise information inspection, it is necessary to provide legal and valid business license, tax registration certificate, business location certificate, the identity of the actual controller or main operator of the enterprise, and other information;

5. As for the operating status of the enterprise, the bank needs to inspect the operating status of the enterprise applying for a loan; therefore, it is generally required to provide financial statements for the past 3 months, bank statements for the past 6 months, and annual reports for the past 2 years. Audits and other information that can prove that the company is operating well.

2. Are there any conditions required for a loan from Industrial Bank?

1. Chinese citizens who have a fixed residence in the location of the lending bank, are under 65 years old (inclusive), and have full capacity for civil conduct. ;

2. Have the ability to repay the loan on time

3. Have a good credit record

4. Be able to provide a legal, effective and reliable guarantee recognized by the bank;< /p>

5. The route complies with relevant regulations;

6. Other conditions stipulated by the bank.

Generally, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for loan application are largely based on the individual's credit accumulation in the bank. At this time, applying for a loan When trying to submit some certificates that can increase your credit, etc. The higher the accumulated credit, the larger the loan amount.

Extended information

Relevant legal provisions of the "Interim Measures for the Administration of Personal Loans":

Article 20 Lenders should prudently standardize the approval operation process and clarify the loan In terms of approval authority, we implement the separation of loan approval and authorized approval to ensure that loan approval personnel independently approve loans in accordance with authorization.

If real estate is used as a mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract and register the mortgage with the department specified by the local people's government at or above the county level before lending. The content of the mortgage registration handout shall be determined in accordance with regulations.

Article 21 During the mortgage period, the borrower is insured; during the insurance period, if damage occurs due to the borrower’s fault that is beyond the scope of insurance liability, the borrower will be responsible for the damage