2. Tax bills for the last two years (the number of years required by each bank is different)
3. All information (resume, ID card) and articles of association of the enterprise as a legal person.
4. Shareholders' resolution (that is, the purpose of your loan and what to use as collateral, all shareholders must agree and authorize you).
Now all bank loans need collateral, or you can find a guarantee company to guarantee you.
6. The corporate loan interest rate is very high. The general benchmark interest rate will rise by more than 50%. (Banks should consider capital risk)
7. Real commercial contracts (machine purchase contracts, commodity trading contracts, etc.). )
The above is the information provided (80% in detail)
8. After you provide the above things to the bank, he will send someone to do a survey (your business projects, income and development prospects). After the investigation, it will be reported to the bank approval team, and a loan review meeting will be held to determine your loan amount (the amount depends on the specific value of your collateral).
9. The evaluation of collateral value is divided into the bank's own evaluation and the evaluation of the evaluation company, and now the evaluation company and the bank are combined into one. You can't find an appraisal company by yourself, but you must find an appraisal company designated by the bank (these are all to prevent the borrower and the appraisal company from colluding with each other to falsify the appraisal).
10, 70% of the evaluation price is the maximum amount you can borrow, but banks generally won't give you the full amount (not the maximum amount of loans, in order to control risks). For example, the appraisal price of your collateral is 10W, the theoretical maximum loan amount is 7W, and your loan amount is below 7W.
1 1, housing is 70%. The facade is 50%
12. When the nature of the land is assessed as allocated land, the land transfer fee shall be deducted.
The above is just a general explanation for you. Because the requirements of banks are different, I suggest you go to several banks for consultation and shop around.