What procedures and conditions are required for an enterprise loan mainly depends on what kind of loan business the enterprise runs and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, if an enterprise applies for a credit loan, it can directly bring business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
after filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the credit rating of the enterprise reaches the standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
if you want to apply for a mortgage loan, you need to go through the mortgage registration formalities in addition to applying for and signing a contract at the business outlets. And the information prepared must also have the relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
if there is a demand for capital turnover, we recommend you to use the money flower. The money flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu money flower, renamed as "money flower" in June 218), and the big brands are trustworthy with low interest rates. If you have money to spend, it is easy to borrow. The maximum loan amount is 2,, and the daily interest rate is as low as .2%.
It has the characteristics of simple application, low interest rate, quick loan, flexible loan and repayment, transparent interest rate and strong security.
I'd like to share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you have money to spend, you refuse to provide consumer installment loans to college students. If you are a college student, please give up your application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and I can't apply with temporary id card, expired ID card or first-generation ID card. Online lending is risky, so choose carefully!
Legal Basis
Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the quoted interest rate in the one-year loan market when the contract is established. The "one-year loan market quotation rate" mentioned in the preceding paragraph refers to the one-year loan market quotation rate issued by the National Interbank Funding Center authorized by the People's Bank of China on August 2, 219.