Select a bank first, and then prepare personal ID card, personal assets certificate, business license, organization code certificate, tax registration certificate, tax bill, enterprise bill, financial statements and other materials to apply for loans at the business outlets according to the regulations of the bank. After receiving the application form at the counter, fill in the relevant information of individuals and enterprises, as well as the amount and time limit of the application. After confirming that the information filled in is correct, submit the application form together with the information to the staff. After receiving the borrower's application, the bank will evaluate and review it according to the information submitted by the borrower. If approved, the borrower will sign a loan contract with the bank, and then the bank will transfer the loan funds into the account opened by the borrower in the bank according to the prescribed articles of association. After that, the borrower only needs to repay the loan principal and interest on schedule according to the repayment plan agreed in the signed contract. Tax loans refer to loans provided by banks to enterprises or individuals for tax matters. Tax loans are widely carried out in Hong Kong, and there are some corresponding conditions, such as the need for Hong Kong identity and personal monthly salary standards. At present, there are no banks in Chinese mainland to provide such services. Tax loan has the advantages of high loan amount and flexible repayment. However, not every enterprise can apply for this loan. According to the bank regulations, only enterprises with normal tax payment and good reputation can apply for this loan. However, it should be noted that even enterprises with good reputation and normal tax payment must meet a series of requirements. 1, has been operating continuously for more than 3 years, and the enterprise has been engaged in this industry for 5 years, and has maintained profit or no loss in the last two years. Industrial Bank requires continuous operation for more than 2 years. 2. The borrower opens an enterprise or individual settlement account in our bank as its sales payment account. 3. Pay taxes normally, and there is no unpaid tax or overdue fine in the current tax account; The tax payment record has been completed for two consecutive years, and the tax payment credit rating in the last two years is above Grade B (inclusive). 4. There shall be no more than three financing banks (including the Bank). 5. ICBC requires enterprises to have certain profitability, and the annual gross profit margin is generally not less than 10%, and the minimum is not less than 5%. 6 borrowers, business owners and their spouses have no bad credit records in banks and other known financial institutions.
Second, China Bank Guangdong Bank of China tax electronic loan application process.
1, Guangdong Tax WeChat official account authorization process
Pay attention to "Guangdong Tax" WeChat official account. Select "Micro Tax"-"Personal Business" → After completing real-name authentication, select "Service"-"Bank-Tax Interaction", and select "China Bank" to complete the authorization in the credit loan product display.
2, mobile banking operation process
After authorization is completed, log in to the mobile banking of Bank of China, enter the "Loan" module, select "BOC E Loan" and fill in personal information. Depositors choose "Guangdong Province (excluding Shenzhen)"-tax customers choose "Guangdong Tax (Personal Income Tax)"/social security customers choose "Guangdong Social Security" → repayment account selection → personal credit information inquiry and submission of power of attorney and China Bank shares reading.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
Third, how to operate the tax loan?
The applicant can accept the business authorization through the personal bank, and after submitting the loan application, enter the loan approval process. Applicants can also go to the offline outlets of major banks to explain the needs of bankers to the staff, who can assist in handling tax and loan business.
Four, how to operate the Agricultural Bank of China tax loan process
The three steps of applying for ABC are: tax authorization, business, loan issuance and loan return.
accept
Enterprises need to complete the tax payment letter through official website of Agricultural Bank of China, corporate online banking or the way designated by the tax department.
Business authorization
Managers of enterprise online banking need to obtain authorization through the enterprise online banking of Agricultural Bank of China. The specific operation steps are as follows:
(1) Log in to corporate online banking, enter "micro-loan" and click "business authorization application";
(2) Check all power of attorney and agreements and complete business authorization.
Accept authorization
After entering the "Micro Agile Loan" page, you need to check Submit Loan Application.
sign a contract
The legal representative of the enterprise confirms the loan approval information, inputs "loan amount", selects "loan term" and clicks "OK".
loan origination
After the successful signing of the restricted loan contract, the legal representative can use the funds in Weijie's loan.
Loan repayment
When making repayment, the legal representative can make repayment online in personal bank or enterprise.