The premise of our enterprise loan is to open an enterprise settlement account in our bank, and we need to provide certain collateral, which can be real estate, factory buildings and equipment under the name of the legal representative or shareholders. Some branches of the bank carry out special business. If you see/receive similar publicity information, you need to contact the account manager of the local branch or sub-branch for details. The nominal loan amount of a company is generally more than 5 million yuan. If the loan demand is below 5 million, you can consider personal business loans or small and micro enterprise loans.
The types of loans are different, so are our audit materials. For details, please contact the bank or the nearest outlet of China Merchants Bank. The following materials are for enterprise reference only: The applicant shall submit the following materials to our bank and promise that the submitted materials are true and effective:
(1) loan application. The contents include but are not limited to the type, amount, currency, term, purpose and repayment source of the loan.
(2) the valid identity certificate of the legal representative and the valid identity certificate of its authorized client.
(3) Basic information of the applicant (guarantor, if any), including but not limited to the loan applicant's business license, legal person code certificate or approval from the competent authority, tax registration certificate, loan card information, articles of association, etc.
(4) The financial statements of the loan applicant (guarantor, if any) for the first three years and the recent period, and the detailed information of the main accounting subjects.
(5) background information on the purpose of the loan, such as business contract, production and operation plan, etc.
(6) In case of mortgage/pledge guarantee, provide the property right certificate and evaluation report of mortgage/pledge (unless otherwise specified).
(seven) other materials required by the bank.
2. What are the procedures for running a loan company?
If you want to find a bank, you have to use real estate as collateral, mainly real estate. Banks that do not accept goods as collateral. The guarantor is easy to handle, find a guarantee company. The cost is very low. They have been handling the loan. You just need to provide the information they want, and then wait a few days. I don't want to mortgage the property, so I can't help it. But the cost is relatively high, and you may have to work harder yourself. Guarantee companies have a pledge business, which can be used to obtain funds. However, the company's qualifications must be examined accurately. After all, guarantee companies are not like banks. If they get away, there's nothing you can do.
3. What are the procedures and conditions for company loans?
Enterprise loan requirements: 1. It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; 2. The enterprise has a good reputation in various commercial banks and no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits; 5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors; 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; 7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years; 8. Abide by the policy of establishing industry credit related to small enterprises; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account or a general settlement account with the applicant bank.
The process of enterprise loan: (1) application: the enterprise applies for loan guarantee; (2) inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee; (3) Communication: communicate with the loan bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank; (4) Guarantee: clarify the legal procedures such as loan guarantee and counter-guarantee agreement, asset mortgage and registration with the enterprise, sign a guarantee contract with the loan bank, and formally establish a guarantee relationship with the bank and enterprise; (5) Lending: banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises; (6) Tracking: Tracking the loan usage and operation of enterprises, and directly tracking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
The Civil Code stipulates that a guarantor must have certain qualifications, and state organs, schools, kindergartens, hospitals and other public welfare institutions and social organizations may not act as guarantors. But in practice, some loans are guaranteed by some state organs. As the expenditure of state organs and institutions depends on financial allocation, the unit has no right to dispose of its own assets, in fact, this guarantee becomes invalid.