There are three ways:
1, check the financial statements of the enterprise, and remember the assets and liabilities clearly.
2. An enterprise as a legal person carries his/her ID card and business license to the outlets of the People's Bank of China, and finds the relevant staff of the Credit Information System Center for inquiry. After the results come out, the loan situation of the enterprise will be presented in paper form.
3. Log in to official website "National Enterprise Credit Information Publicity System" and enter the enterprise name or unified social credit code or registration number for inquiry. Operating environment: browser computer: macbookpromos 14 opens google version 92.0.4515.131national enterprise credit information publicity system official website.
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Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
Enterprise loan application conditions:
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
How to check whether the company has a loan?
You can go to the enterprise to look at the accounting books, or you can go to the People's Bank of China to check the loan situation of the enterprise in the credit management system. You can inquire about enterprise loan cards through the People's Bank of China.
Where to check the enterprise loan situation, the specific method is:
1. The company fills in the enterprise loan card inquiry application form;
2. Prepare a letter of introduction from the unit, a valid loan card and an ID card of the agent;
3. The agent went to the local branch of the People's Bank of China to inquire. The local branch of the People's Bank of China will make an inquiry on the spot after receiving the inquiry.
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Loan conditions of mortgage loan:
1, with legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract;
2. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
3. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years; Can provide effective guarantee recognized by the loan bank.