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.

Provisions of China Banking Regulatory Commission on Cross-regional Loans

The current regulations generally do not approve or even prohibit the issuance of cross-regional loans. Cross-regional (film) loans increase the loan risk because of the possibility of multi-head loans, so cross-regional (film) loans are generally treated as illegal loans. According to professionals, banks generally cannot issue loans across regions, but they can apply for mortgages across regions.

First, loans.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the principle of sex.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

(a) Loan security is the primary problem faced by commercial banks;

(2) Liquidity refers to the ability to recover the loan within a predetermined time, or realize it quickly without losing ground, so as to meet the needs of customers to withdraw deposits at any time;

(3) Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Third, the repayment method.

(1) Equal repayment of principal and interest. That is, the sum of the principal and interest of the loan is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) Repayment of equal principal. In other words, the borrower will distribute the loan amount to each installment (month) evenly throughout the repayment period, and pay off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Pay interest on a monthly basis and repay the principal when due. That is, the borrower repays the loan principal in one lump sum on the loan maturity date [the loan with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance. That is, when the borrower applies to the bank, he can repay part of the loan amount in advance, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period;

(5) Repay all loans in advance. That is, when the borrower applies to the bank, he can repay all the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

(6) Borrowing and returning. After borrowing, the interest shall be calculated by day, and the interest shall be calculated by day. You can pay the money in one lump sum at any time without any penalty.

Can banks lend money across regions?

Banks cannot issue loans across regions, but support users to apply for mortgage loans across regions. Cross-regional loans will have the problem of multi-head loans, which will increase the loan risk. Therefore, banks generally do not approve or even prohibit cross-regional loans, which are generally regarded as illegal loans by banks.

However, some banks have opened branches in this area, but not in another area. As long as the regulatory authorities agree, loans can be issued in neighboring areas.