Hello, at present, our bank has launched the business loan business for the purpose of business. I provide relevant information for your reference. It is necessary to submit personal information to the local counter personal loan department, and handle the business after reviewing the personal information through the handling bank.

Conditions that the borrower needs to meet:

1. It meets the basic requirements of our retail loan customers.

2. Do not accept loans for small and micro enterprises applied by foreigners and people from Hong Kong, Macao and Taiwan.

3 small and micro enterprise mortgage loans, the borrower or the actual controller of the borrowing enterprise should have more than 2 years of continuous business experience in the industry corresponding to the purpose of the loan; For unsecured small and micro enterprise loans (small and micro enterprise loans other than mortgage loans), the borrower or the actual controller of the borrowing enterprise should have more than 3 years of continuous business experience in the industry corresponding to the purpose of the loan.

4. The credit record of the borrower or the actual controller of the borrowing enterprise shall be above Grade III (inclusive), and no credit record shall be regarded as Grade II.

5. In a personal business loan, the borrower must be one of the top three shareholders of the borrower's business entity and hold more than 65,438+00% of the shares, or the borrower is the actual controller of the enterprise.

For farmers, fishermen and other natural persons who are engaged in legal production and operation, but do not need to apply for a business license according to the current policy, and operators who set up private extracurricular counseling and training institutions and law firms according to national laws and regulations, they can apply for personal business loans if they can provide relevant legal business certification materials.

6. In the loan of small and micro enterprises, the actual controller of the borrowing enterprise provides the full irrevocable joint liability guarantee for the loan.

7. If the family (including spouse and minor children) of the borrower or the actual controller of the borrowing enterprise is insolvent (that is, the family net assets are 0), it is not allowed to apply for small and micro enterprise loans.

8. The actual controller of the borrower or the borrowing enterprise shall not be on the list of sanctions or supervision.

At present, our bank has not offered personal business loans. If your company has been established and you want to apply for SME loans, I suggest you dial 95555-2 Labor Service -2 Corporate Business-1 RMB for settlement (service time is 8: 30- 19: 00 on weekdays) to enter the labor service, so that we can know more about your company and try our best to answer your questions in detail.

Commercial loan application method: You need to submit personal information to the local counter personal loan department, and apply for business through the handling bank after reviewing the personal information.

Detailed loan information can be confirmed when you apply through the handling bank.

Can an investment company borrow money from a bank?

Of course.

Application materials to be provided:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

Extended data:

Loan process

First, establish a credit relationship.

To apply for a bank loan, first of all, an enterprise must submit an Application Form for Establishing a Credit Relationship in duplicate when applying for establishing a credit relationship. After receiving the application submitted by the enterprise, the bank shall appoint a loan officer to investigate. The survey contents mainly include:

(1) Legitimacy of enterprise management. Whether the enterprise has the necessary relevant conditions for legal person qualification. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope.

(2) the independence of enterprise management. Whether the enterprise implements independent economic accounting, accounts for profits and losses separately, and has independent financial plans and accounting statements.

③ Whether the enterprise and its main products belong to the development sequence of national industrial policy.

(4) the efficiency of enterprise management. Whether the final accounts of the enterprise are accurate and in compliance with relevant regulations; The present situation and trend of financial performance.

⑤ Rationality of the use of enterprise funds. Whether the working capital and fixed capital of the enterprise are managed separately; Whether the occupation level and structure of working capital are reasonable, whether it is squeezed or misappropriated.

6. New and expanded enterprises. Whether the 30% working capital needed to expand production capacity has been raised. If there is a temporary shortage, have you made a plan to make up for it in the short term?

After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step. After the president (director) agrees to establish a credit relationship with the enterprise, both banks and enterprises shall sign a contract to establish a credit relationship.

Second, apply for a loan.

Enterprises that have established credit relations may apply for bank loans according to the reasonable liquidity demand in the process of production and operation. Take an industrial production enterprise as an example. When applying for a loan, an application for a working capital loan from an industrial production enterprise must be submitted.

According to the national industrial policy, credit policy and relevant systems, combined with the credit scale plan approved by the superior bank and the source of credit funds, the bank carefully examines the enterprise loan application.

Three. Loan review.

The main contents of the loan review are:

(1) Use the loan directly. Direct uses that meet the scope of support for working capital loans of industrial enterprises are:

1 reasonable purchase payment;

2. Submit notes payable;

3. Advance payment approved by the bank;

4 special loans should be used in accordance with the provisions of the purpose;

5. Other purposes that meet the requirements.

(2) operating conditions. It mainly includes the procurement, consumption and storage of materials, the supply, production and sales of products, and the occupation level and structure of working capital; Credit status; Economic benefits, etc.

(3) the implementation of the enterprise's potential tapping plan, liquidity acceleration plan and liquidity supplementary plan.

④ The development prospect of the enterprise. It mainly refers to the development prospect of the industry to which the enterprise belongs, the development direction of the enterprise, the product structure, life cycle and new product development ability, the practical work ability of the main leaders, the management decision-making level and the pioneering and innovative ability.

⑤ Debt capacity of enterprises. Mainly refers to the actual amount of the enterprise's own liquidity and current assets and liabilities. Generally, it can be analyzed by two indicators: the proportion of self-owned liquidity to total liquidity and the debt ratio of current assets of enterprises.

Sign a loan contract.

A loan contract is an agreement that the lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the borrower will repay the principal and interest at maturity. This is an economic contract. The loan contract has its own characteristics. The object of the contract is currency, and the lender is generally a national bank or other financial institution. The loan interest is stipulated by the state, and the parties cannot agree at will.

The parties reached an agreement on the main terms of the loan contract after consultation according to law. An application is made by the borrower, and a loan contract can be signed after the lender has approved it.

The loan contract shall have the following clauses:

① loan type;

(2) the purpose of the loan;

③ loan amount;

(4) loan interest rate;

(5) Term of the loan;

(five) the source of repayment funds and repayment methods;

⑦ Guarantee clause;

8. Liability for breach of contract;

Pet-name ruby other terms agreed by both parties.

The loan contract must be signed and sealed by the representatives of both parties or the agents authorized by the legal representatives.

Verb (abbreviation for verb) gives bank loans.

After an enterprise applies for a loan, both banks and enterprises should sign relevant loan contracts according to the types of loans. When signing the contract, you should pay attention to the accuracy of the project, the clarity and neatness of the text, and you must not alter it; The official seals of the borrower, lender and guarantor and the signature of the legal representative are complete and correct.

The borrower opened an iou. A loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, or it can be signed at one time or in installments within the amount and effective time stipulated in the contract. Bank managers should carefully examine and check whether the contents of the loan application are correct and consistent with the loan contract.

After the loan application is verified correctly, fill in the Notice of Loan Issuance, and the letter clerk, department (unit) head "two signatures" or the president (director) "three signatures" will send it to the bank accounting department to handle the loan transfer to the borrower's account. After the loan application form and the loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account.