Weizhong Bank does not need a guarantor for small and micro enterprise loans. Weizhong Bank uses pure credit loans for small and micro enterprises, and can apply online without any mortgage. However, the withdrawal of shares only requires the representative to provide joint and several liability guarantee.

As a relatively rare online enterprise loan in the industry, the application method for small and micro enterprise loans is very simple. There are two entrances, one is to pay attention to the official account of WeChat and the corporate finance of Weizhong Bank, and the other is to log in to official website and Weizhong Bank and click the "Corporate Finance" interface on the home page.

The only open provinces are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi.

Loan amount of Weizhong Bank enterprise:

Maximum amount: 3 million yuan.

Application quota: After successful registration, click Credit Application to apply for quota.

Time for quota review: it will take about half an hour for the quota to be officially released, and the approval result will be notified by SMS.

Quota approval failed: quota will be approved automatically. If you fail, you need to reapply after three months.

Note: When signing the enterprise quota, there may be a guarantee fee, because some high-risk enterprises will ask the guarantee company designated by Weizhong Bank (Shenzhen SME Financing Guarantee Co., Ltd.) to guarantee and must pay it.

Does the company need a guarantor for loan?

Hello, the company loan does not need a guarantor, but a guarantee company. Without a guarantee company, the bank will not lend you money.

Do you need a guarantor for the loan?

Do you need a guarantor for personal loans?

Whether a personal loan needs a guarantor is approved by the bank according to the lender's credit conditions and approval outline. Only when the lender's own conditions are insufficient will it be required to provide a guarantor. Guarantors generally require joint guarantee. In other words, if the lender is unable to repay the loan, the guarantor must fulfill the guarantee responsibility and repay the principal and interest.

Generally speaking, in addition to the staff of enterprises and institutions, doctors, teachers, middle and senior managers and formal employees of well-known large listed companies and foreign-funded enterprises can also have good credit records, but in the final analysis, the landlord can provide the bank with relevant information about the proposed guarantor, so that the credit personnel can make a preliminary judgment first, and then submit the information and go through the guarantee procedures.

Do you need a guarantor for personal housing loans?

Whether a personal housing loan needs a guarantor is approved by the bank according to the lender's credit conditions and approval outline. Only when the lender's own conditions are insufficient will it be required to provide a guarantor. Guarantors generally require joint guarantee. In other words, if the lender is unable to repay the loan, the guarantor must fulfill the guarantee responsibility and repay the principal and interest.

For banks, the collateral itself is not an adequate repayment guarantee in the case of the uncertain trend of the real estate market. After all, the bank wants money, not a house.

Generally speaking, doctors, teachers, middle and senior managers and formal employees of well-known large listed companies and foreign-funded enterprises can also have good credit records, but in the final analysis, the landlord can provide the bank with relevant information about the proposed guarantor, so that the credit personnel can make a preliminary judgment first, and then submit the information and go through the guarantee procedures.

How many loan guarantors are needed?

It depends on the requirements of the bank. Some need one, some need two, and generally one is enough.

Is it necessary to guarantee the loan to buy a house?

Do I need to pay the guarantee fee to the designated third party to borrow money from the bank to buy a house? Why do you have to pay the guarantee fee? Can I refund the money I paid? Quick Easy Loan is here to answer you one by one.

Kuaiyi Loan pointed out that whether through provident fund loans or commercial loans, buyers need to pay this guarantee. Of course, according to different specific circumstances, the amount paid is also different.

According to the borrower's credit record, the general bank needs the borrower to provide a guarantee certificate of a legal person or other economic organization or natural person with sufficient compensation ability. If the borrower can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue written documents and credit certificates for the bank.

If not, you need to go to a professional guarantee company, who will provide guarantee for the borrower. The fee paid at this time is the mortgage guarantee fee. At the same time, different loan time, loan amount and guarantee rate should also consider individual repayment ability.

In fact, all banks will designate corresponding real estate guarantee companies according to their own access conditions to safeguard the legitimate rights and interests of banks and customers.

Details of the guarantee fee paid for the loan to buy a house:

On the one hand, the bank examines the borrower's credit record, on the other hand, it also depends on the borrower's loan method, and decides whether additional guarantee is needed according to the borrower's actual situation. If it is cash, considering the high risk, in this case, the bank will provide additional guarantee, that is, the borrower will pay the guarantee fee to the guarantee institution.

Regarding the question of whether the guarantee fee can be refunded, Kuaiyi Loan understands that if the borrower repays the loan in advance, some guarantee companies can also refund the guarantee fee according to the previous agreement, but not in full, and a certain handling fee is required.

Therefore, it is especially reminded that property buyers who intend to repay the guarantee fee in advance should read the specific terms before signing an agreement with the guarantee company.

In addition, the amount of the guarantee fee varies according to the borrower's personal situation. You can call the relevant business personnel of the guarantee company for details.

Tips: Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and various credit institutions. The types of loans are personal loans, auto loans, housing loans, provident fund loans, consumer loans and credit loans. 20 13 The latest loan interest rate is specifically positioned as follows: 1. Short-term loans for six months to one year are: 1. 180 days (inclusive) 5.6%; 2. 180 days to 365 days (inclusive) 6%. 2. The medium and long-term loan interest rate for one year to more than five years is: 1. One to three years (inclusive) 6.15%; 2. Three to five years (inclusive) 6.4%; 3. More than five years.

6.55%。 In response to the national call for personal credit reporting, Kuaiyi Loan advises users to abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.

For more information about buying a house by loan, please pay attention to Kuaiyi Loan Encyclopedia: house.quickloans/.

Bank loans need a guarantor. What does a guarantor do?

That is, the bank thinks that your mortgage rate is insufficient or your repayment ability is limited, and the bank requires you to provide a guarantee company or guarantor, that is, in the case that you are unable to repay, the bank will recover from the guarantor!

What procedures does a personal loan guarantor need?

Procedures required for personal loan guarantor:

For personal guarantee, the following information shall be provided:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;

Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );

Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

Personal bank credit information inquiry system;

Notarization.

For enterprise guarantee, the following information shall be provided:

Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate;

Shareholders' consent;

Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal);

Special industries need to provide EIA data (EIA report, pollutant discharge permit).

What documents does the loan guarantor need?

Id card, household registration book, marriage certificate of both husband and wife, single certificate of singles.

Proof of income, it is best to provide a copy of the real estate license.

Do you need a guarantor for short-term loans?

Information to be provided for handling mortgage loan in the bank:

1. Personal identification, household registration book, proof of residential address and proof of marital status.

2. Personal income certificate or asset status certificate

3. Proof of the property right of the mortgaged house

4. If the applicant takes other people's property as collateral, it is also required to provide the property owner's ID card (including * * *), proof of marital status and written proof of consent to mortgage.

Loan process:

1. The borrower applies and submits relevant materials;

2. Conduct real estate appraisal and pre-loan investigation and approval;

3. Pass the examination and approval and go through the mortgage registration formalities;

4. When granting loans, the borrower shall repay the principal and interest of the loans on a regular basis as agreed in the contract;

5. Settle the loan principal and interest and recover the mortgaged house. Loan amount: 50% of the market value of the house. Time of loan receipt: 1.5-2 months. Channel 2: Financing through the private sector.

1. Any natural person over 18 who owns real estate can do it, and it's no problem if he is older;

2. Ordinary houses, shops, office buildings, affordable houses, price-limited houses and bottom-level merchants can all use them. What's more, if the bank has not paid the final payment, it can also make a second loan;

3. Loan amount: 60-70% of the market value of the property;

4. Information required for application: ID card, household registration book, household registration book and marriage certificate;

5. Loan arrival time: You can get the money as soon as possible on the same day.

What are the procedures for bank loans? Do you need a guarantor for bank loans? Is it risky to be a guarantor of a lender?

The guarantor is at risk. If your friend has no money to pay back, if you don't, your credit in the bank will become very low, and the banks are all connected to the internet, which will have a certain impact on your future loan to buy a house, loan to buy a car or apply for a visa, but 10W is still ok, not too much.

What do you need for corporate loans?

What are the requirements for corporate loans?

The so-called operating loan is a loan issued by a bank to an enterprise as a legal person for operating the company's working capital. The service targets are mainly small and medium-sized enterprises that temporarily fail to meet the bank loan access standards due to factors such as irregular financial management and substandard credit rating, but are in good operating condition. 1. Enterprise loan conditions (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan. (3) Having a valid business license and legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has a good performance. (4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule. (5) Having no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by the bank. (6) Other conditions stipulated by the bank. 2. The borrower shall provide commercial loan information (1). Identity card, household registration book and marriage certificate of the borrower and spouse (if single, unmarried certificate shall be issued at the Civil Affairs Bureau). (2) proof of assets (such as real estate, cars, etc.). (3) Proof of repayment ability such as personal or family income and property status. (4) Business license, tax registration certificate, organization code certificate, articles of association, etc. (5) Financial statements and tax returns for the last six months. (6) Other information required by the bank. 3. The maximum loan amount of an enterprise is 70% of the appraised value of loanable assets. 4. The term of enterprise loan stipulated by the bank is 1~3 years. The enterprise loan interest rate is now the bank loan interest rate stipulated by the bank. 6. Repayment method of the enterprise (1) If the loan term is within 1 year (inclusive), the repayment method of paying interest on a monthly or quarterly basis or repaying the principal once due can be adopted. (2) If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest monthly or according to the average capital. 7. Enterprise loan process (1) The borrower brings relevant information to the bank to apply for a loan. (2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion. (3) With the approval of the internal review of the bank, both parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties sign the contract. (4) The Borrower handles the mortgage registration and other relevant procedures agreed in this Contract. (5) After the mortgage registration is completed, the relevant information will be handed over to the bank for lending.

What application materials should be provided for enterprise loans?

Hello, I need the following information.

I. Basic information of the company

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

Second, personal data.

1, ID card of borrower and spouse

2. Identity cards of property owners and spouses

3. Household registration books of the borrower and the property owner.

4. Marriage certificate between the borrower and the property owner

5. Proof of personal assets, such as real estate, cars, stocks and bonds.

6. Personal bank flow in the past six months or a year.

Specifically, you can use Baidu Henan Yi Rong loan.

What's the difference between corporate loans and corporate loans?

The differences between corporate loans and corporate loans are as follows

1. Different loan subjects: corporate loans are generally made in the name of individuals, and three forms can be selected: personal consumption loans, personal business loans and corporate business loans. The first two loan forms are legal persons themselves; Enterprise loans are loans issued in the name of enterprises. Although the consent of the company legal person is needed, and sometimes even the legal person is needed as the loan representative, the main body of the loan is always the enterprise.

2. Loans have different uses: corporate loans can be used for personal consumption or business operations, and can also be used for business operations; Enterprise loans are used for enterprise management, including liquidity replenishment, project loans and enterprise expansion and development.

3. The loan amount, term and interest rate are different: this is mainly because enterprise loans can be applied in various forms, so when they are equivalent to enterprise loans, the loan amount, term and interest rate are different.

The above is the difference between corporate loans and corporate loans. If you happen to be an enterprise legal person of a company, you can choose the loan method according to your loan demand. An enterprise as a legal person is more of an identity, which can provide proof of repayment ability for your personal loan, increase your loan amount and lower the interest rate. However, an enterprise loan is a business loan with the enterprise as the main body, and it needs to be approved by a resolution of the board of directors of the company.

About the legal representative of the company's loan responsibility 40 points.

The legal representative of the company signs a contract on behalf of the company and promises to perform certain obligations, which should be borne by his company, not by individuals.

Therefore, the loan of the enterprise is repaid by the enterprise. The legal representative of the enterprise is not personally liable for repayment. Of course, the premise is that the enterprise has no illegal acts such as false capital contribution, withdrawing funds and transferring assets. And the legal representative has not made personal guarantee, otherwise the shareholders or legal representative of the enterprise may have to bear corresponding responsibilities.

What responsibility should the legal person bear if the enterprise can't repay the bank loan?

1. First, classify enterprises. It is a limited liability company, a sole proprietorship company, a partnership or others. Because different companies are different. It is far from the point where banks can apply for bankruptcy liquidation of enterprises. Some bear unlimited joint liability, which can be traced directly to the personal property of shareholders, while others bear all risks only with all your shares in the company. 2. See if there is mortgage, pledge, guarantor, etc. The general way is to apply to the bank for auction of collateral (generally real estate, few movable property, and the mortgage patent right seems to be only done by Beijing guarantee company at present), and the excess money goes to the reduction enterprise. Because it is generally carried out according to 50%~70% of the valuation (villas, industries are generally 50%, businesses are 60%, houses are 70%, and shops facing the street seem to be 60%, I don't remember clearly), so the auction money is generally redundant. If the enterprise applies for bankruptcy by itself, your company has the priority to be compensated for the property originally pledged to your company. 3. Do you mean a legal person or a legal representative in a broad sense? Above. There should be many shortcomings.

The company borrowed money in the name of users, and now the legal person wants to resign.

Hello, according to the information you provided, I give the following answer.

1. Please confirm whether the company you mentioned is a limited liability company. If so, please continue reading.

2. Legal person and legal representative are two different concepts. You are only the legal representative of the company, and you just do some actions on behalf of the company. Company law talents are the main body of responsibility. So in the company's liabilities, if there are no other special circumstances, you don't need to be responsible for the company's liabilities.

As you used to be the legal representative of a heavily indebted company, it is inevitable that you will be prevented from lending to the bank in the future unless you pay off your debts.

What does the list of enterprise family property that enterprise loans need to provide include?

Fixed assets should also be looked at, and others, such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc. ), are the property of legal persons.

What materials do enterprises need to prepare for buying a house with a loan?

Materials to be prepared for mortgage to buy a house loan:

1. Original and photocopy of ID cards of the borrower and spouse;

2. The original and photocopy of the borrower's husband and wife residence booklet;

3. Proof of marital status;

4. The original purchase agreement;

5. Original and photocopy of advance payment receipt for 30% or more of the house price;

6. Business license, tax registration certificate, organization code certificate, articles of association and financial statements;

7. Bank flow;

8. Certificate of academic qualifications; 9. Bank deposit certificate;

10, other financial certificates;

1 1, the collection account number of the developer;

12, other materials specified by the bank.

What are the requirements for company loans? How much can I borrow?

Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. You may need to provide collateral, a house or a car, and calculate the interest on how much you used from the time you used it! If the loan money is not withdrawn from the bank, then the interest will not be calculated. The maximum amount of new small secured loans granted by financial institutions to individuals will be raised from 20,000 yuan to 50,000 yuan. 1. Housing mortgage loans and employment-oriented loans 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the house property). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial houses, houses, affordable houses, apartments, villas, shops, office buildings and shops. 5. Specific process: receiving customer information (collecting deposit) → home visit and evaluation → determining the loan amount → reporting to the bank → signing a contract with the bank → approval → mortgage registration → customers collecting money from our company. Loan term: mortgage loan 1-30 years. 7. Completion date of real estate: the real estate can be handled after 78 years. 8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. Ii. loan of the same name 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Information provided: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from Chinese mainland, Taiwanese certificate), marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, death certificate for widowed), temporary residence permit for the borrower who is a foreigner, and balance certificate of the lender with property right mortgage (. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. 5. Specific process: receiving customer information (collecting deposit) → visiting and evaluating at home → setting the loan amount → reporting to the bank → signing a contract at the bank → approving → repayment and mortgage issuance → doing mortgage registration → customers paying fees at our company → lending money. 6. Loan term: the loan term has been borrowed from other banks, and now you are applying for a house with a loan term of ≤30 years. Repayment method: average capital (decreasing), matching principal and interest, paying interest on schedule, and repaying principal when due (only applicable to loans with a loan term of less than one year and a loan amount of less than 500,000 yuan). Second-hand housing mortgage loan and second-hand housing mortgage loan 1. Information required by the borrower (buyer): Second-hand housing sales contract or agreement, borrower's and spouse's ID cards (including ID card, passport, military officer's card, travel permit to and from the mainland, and Taiwan compatriot's card). The borrower's marriage certificate (marriage certificate for married people, divorce certificate or divorce judgment for divorced people, and death certificate for widowed people) is required to provide affordable housing within the validity period. ......

What is the specific process for enterprises to borrow money from banks?

The original business license, the original national tax registration certificate, the original organization code certificate, the articles of association, the latest capital verification report, the account opening permit issued by the People's Bank of China, the credit card issued by the People's Bank of China, the identity certificates of the company's main members and directors holding more than the company's shares, the bank statement for six months, the company's financial certificates for the last six months, such as the VAT tax report, the balance sheet and income statement for the last three years and the last month, all need to be prepared. otherwise

Do you need a guarantor for bank loans?

Bank loan guarantor means that the guarantor and the borrower agree that when the borrower fails to repay the loan, the guarantor will perform the repayment obligation as agreed.

According to the provisions of the Guarantee Law, the third party and the creditor agreed that when the debtor fails to perform the debt, the guarantor will perform the debt or bear the responsibility as agreed.

The third party here is the guarantor, including legal persons, other organizations or citizens who have the ability to pay off debts on their behalf, and the creditors here are all creditors of the principal debt.

Here, performing debts or assuming responsibilities according to the agreement is called guarantee debt, and some people call it guarantee responsibility.

Extended data:

Guarantee mode

1, mortgage guarantee

If the borrower uses the purchased owner-occupied house as collateral for the loan, it must use the full value of the house as collateral for the loan; Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract; The borrower must properly keep the mortgaged property during the mortgage period, be responsible for repairing and maintaining it and ensure that it is intact, and accept the supervision and inspection of the lender at any time.

Before the expiration of the mortgage period, the lender shall not dispose of the mortgaged property without authorization; During the mortgage period, the mortgagor shall not mortgage, lease, transfer, sell or give away the collateral again without the consent of the lender.

2. Pledge guarantee

If pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which will be terminated when the borrower pays off all the principal and interest of the loan; Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation.

Step 3 guarantee

If the borrower fails to provide the mortgage (pledge) in full, the third party recognized by the lender shall provide joint liability guarantee. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan on his behalf and open a deposit account in a bank.

If the guarantor is a natural person, the principal and interest have a fixed source of income, have sufficient compensation ability and have a certain deposit in the loan bank; The guarantor and the creditor shall conclude a guarantee contract in writing.

If the guarantor is changed, the formalities for changing the guarantor must be handled in accordance with the regulations. Without the approval of the lender, the original guarantee contract shall not be revoked.

4. Mortgage plus guarantee

It refers to the loan issued by the lender to the borrower on the basis that the borrower has not obtained the property right of the purchased house, and requires the borrower to provide a third-party joint and several liability guarantor with the ability to pay off on behalf of the borrower as the loan guarantee. Now it is generally required that the developer of the purchased house be the guarantor.