1, the applicant is between 18-65 years old and has full capacity for civil conduct. More than 20% of the shares, shareholders need to account for more than 10%;
2. The business license registration and actual operation time of the enterprise need to be more than 2 years;
3. The enterprise has a good credit record and no bad record;
4. The enterprise can't declare for more than half a year in a row, and there can't be a situation that the late payment fee has not been processed.
The application materials for enterprise tax loan are as follows:
1, ID card;
2. Business license;
3. Enterprise national tax account number and password;
4. Permit for underground users, online banking, U shield, tax control panel and electronic key;
5. Corporate credit reporting;
6. Official seal.
Tax loan application process:
1, log in the national tax account password, and understand the enterprise tax payment information and credit rating;
2. Choose a deposit institution;
3. Open a corporate account;
4. Company visits abroad;
5. The bank records piecemeal requests;
6. After examination and approval;
7. Lending.
Legal basis: Article 25 of the General Rules for Loans.
If a borrower needs a loan, it shall apply directly to the agency of the host bank or other banks.
Article 27
After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the risk of the loan.
Article 29
All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, the rights and obligations of the borrower and the lender, the liability for breach of contract and other matters that both parties think need to be agreed.