Yes, you can.
There are many banks that offer tax easy loans, including China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, and small banks like Jinshang Bank. Of course, each bank has different requirements for handling tax easy loans, but the application conditions are the same. You can consult the bank for specific relevant regulations. It should be noted that when handling the tax easy loan, the tax easy loan has higher requirements for enterprises, and enterprises that need to operate legal enterprises, have no bad tax payment records, and continue to pay taxes on time can apply. In addition, there are two ways to apply for tax easy loan, which can be applied by legal person or enterprise.
Most corporate loans apply for loans directly through local banks, but in special circumstances, such as not being able to apply for loans locally, you can choose loans from different places for financing.
Can prefecture-level city enterprises borrow money in the provincial capital?
Yes, you can. A prefecture-level city enterprise wants to borrow in the provincial capital, which is a loan from a different place. Enterprises need to meet the following conditions if they want to borrow money in different places: First, the establishment time of enterprises is generally more than three years; Second, the invoice amount of the enterprise in the past six months should be more than 6.5438+0.5 million yuan; Third, the financial situation of the enterprise should be good, and the main concern is the balance sheet, income statement and cash flow statement of the enterprise, and the other is to have a fixed business place. Meet the above conditions of municipal enterprises can apply for loans in the provincial capital.
Foreign companies can apply for business loans in Wuxi.
Yes, foreign companies can apply for commercial loans in Wuxi. Wuxi Banking Regulatory Bureau launched the policy of "loans for operating in different places" to encourage foreign companies to develop in Wuxi and support foreign companies to settle in Wuxi. Foreign companies can apply for commercial loans from Wuxi Banking Regulatory Bureau to support their development in Wuxi.
Can I get a loan with a business license in different places?
Of course. Similar to personal loans, business owners and individual industrial and commercial households need to provide business licenses. The essence of business license loan is business loan business, and business license itself is one of the important materials in this kind of loan business. To apply for a loan through a business license, you must meet the following conditions: 1. You have a fixed business place (you need to conduct on-site investigation and provide rent payment or property certificate of the business place), and the projects you operate are legal. 2. The normal operation time is one year, and it takes six months for some lending institutions to relax their requirements. 3. It is in good operating condition and has stable revenue capacity (proof of public water for nearly half a year is required). 4. The person in charge of the borrower needs to keep a good credit record. 5. You also need to open a deposit account in a loan bank.
It should be noted that it does not mean that you can borrow money as long as you have a business license. In addition to the above conditions, there are also requirements for the business license itself: 1. The registration date of business license is generally more than 6 months for lending institutions, not less than 1 year for commercial banks, and more stringent for foreign banks, requiring more than 3 years. If it involves the transfer of business entities (enterprises or self-employed individuals transfer their hands to another enterprise or self-employed), it is required that the legal person change must be over one year. 2. The name and business scope of the lending institution also have clear requirements. Due to the influence of various policies, lending institutions generally have prohibited and restricted industries. If the name or business scope on the business license only reflects these industries, the loan is not easy to pass the examination and approval. The registered capital on the business license is sometimes very important. Registered capital can also reflect the hard power of enterprises or self-employed, and naturally the higher the better. In order to reduce the loan risk, some lending institutions even require minimum registered capital.
Materials to be prepared for business license loan 1. Original and photocopy of business license, original and photocopy of tax registration certificate, original and photocopy of organization code certificate (only business license is required for the integration of three certificates); 2. Tax receipts for the last three months; 3. Articles of association; 4. Capital verification report; 5. Upstream and downstream contracts in recent March; 6. Sales documents or VAT invoices; 7. Providing tap water to the public in the last six months; 8. Financial statements of the past 1 year (necessary information for operating loans and evidence for consumer loans).
General process of business license loan 1. The borrower consults with the lending institution to handle the business license loan; 2. According to the requirements of lending institutions, provide relevant information on business license loans and apply for loans; 3. Wait for the bank or small loan company to review. If approved, go to the bank to sign a loan contract. If it is a mortgage loan, you need to go through the mortgage registration procedures; 4. When issuing loans, the borrower can repay the loan principal and interest as agreed in the contract. Business license loan interest loan interest is often not fixed, which is related to the borrower's comprehensive qualifications. However, according to the situation of ordinary commercial loans, the interest of business license loans is generally around 2 points (2% monthly interest rate, corresponding to 24% annual interest rate). How much business license loans can be lent, and how much to lend, also depends on the borrower's conditions. If you apply for a credit loan, you can borrow up to 1 10,000. If the real estate is mortgaged, it can generally mortgage 60-70% of the real estate assessment price, with a maximum of10 million.
Can foreign companies of Bank of Communications borrow money locally?
Foreign enterprises can apply for loans from local banks, but they need to meet the following conditions:
1, the time for the establishment of the borrowing enterprise is generally more than three years;
2. The invoiced amount of the borrowing enterprise in the last six months should be greater than 6.5438+0.5 million yuan;
In the last year, the financial situation of the enterprise should be good. The main concern is the balance sheet, income statement and cash flow statement of the enterprise. In addition, there must be a fixed business place.