Application materials:
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 corporate bills for the last six months.
3. Lease contract of business premises and proof of rent payment, and water and electricity bills for the past three months.
4, nearly six months of tax bills, signed purchase and sale contracts (if any)
5. Proof of assets under the enterprise name
personal data
1, ID cards of the borrower and spouse
2. Property right holder and spouse ID card
3. Household registration books of the borrower and the property owner.
4. Marriage certificate of the borrower and the property owner
5. Proof of personal assets, such as real estate, automobiles, stocks and bonds.
6. Personal bank flow in the past six months or one year.
operation flow
1. The borrower applies for a loan and submits relevant materials.
2. Upon approval, the borrower and guarantor sign loan contracts and guarantee contracts with the bank.
3. After the bank implements the loan conditions, it goes through the loan procedures according to the prescribed procedures and transfers the loan funds to the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled according to the regulations.
Enterprise loan: it depends on the specific business situation of the enterprise.
Loan amount:10-2 million loan time: 1-3 years loan interest: the monthly interest rate is about 5 Li.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
Extended data:
Generally speaking, the bank's credit to the enterprise is mainly investigated in four aspects:
1, bank credit
Including settlement credit and loan credit:
Settlement credit refers to the normal cash settlement of the enterprise applying for loan, and there are no bad records such as violation of settlement discipline, refund, dishonor of bills and fines.
Loan credit means that the enterprise applying for loan has a good willingness to repay, has borrowed from the bank, and has no insolvency such as overdue loans or interest arrears.
What should be reminded in particular is that the boss must pay attention to the finance personally. Some enterprises forget the repayment date because of temporary neglect. Once the repayment period has passed, it becomes overdue and becomes a "blacklist" in the banking system (the banking system in Shanghai is networked).
You suddenly became "black", and the whole city knew it. Even if you think about it the next day, it will be difficult to ask for a rescheduling. Even if the president wants to help you, there is nothing he can do. Remember: it is not difficult to borrow again if you borrow and pay back!
2. Commercial credit: It includes that the enterprise applying for loan can abide by the promise of the merchant and not break its promise in the performance of the contract and the settlement of accounts payable and debts.
3. Financial credit: accounting settlement is standardized, accounting statements are true and credible, assets are real, and there is no withdrawal of cash or other fraud.
4. Tax credit: The enterprise can pay the tax payable on time, and there are no bad records such as stealing and tax evasion. The above are the four principles for banks to inspect the creditworthiness of borrowing enterprises.