Corporate loan process: 1. Loan application; If an enterprise needs a loan, it should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application form including the loan amount, loan purpose, repayment ability and repayment method, and provide information. Second, banks are subject to censorship; 1. The bank verifies the customer's situation and judges whether it has the conditions to establish a credit relationship according to the bank loan conditions. 2, according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating. 3. Investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. Third, sign a loan contract; After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed. Fourth, issue loans; The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. 5. Post-loan inspection; After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation. 6. Loan repayment; The borrower shall repay the loan principal and interest in full and on time according to the provisions of the loan contract, and go through the withdrawal procedures according to the provisions. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
What is the basic process of enterprise loan?
When a company applies for a loan, it first needs to establish a credit loan relationship and submit an application for establishing a credit loan relationship. After receiving the application, the bank will send a loan officer to investigate. Then the company applies for a loan from the bank, and then the bank reviews the operation of the loan, including the use of loan funds, the development of the enterprise and the debt capacity. Finally, sign a contract to issue loans.
Different loan banks can handle it at different speeds. Funding can be completed in a short month. If you are concerned about the loan process, you can call the relevant bank to inquire.
What is the whole process of enterprise loan?
What is the whole process of enterprise loan? How to handle enterprise loans? Let's take a look together.
1. What are the application conditions for enterprise loans?
1. An enterprise must first obtain a business license approved by the industrial and commercial department.
2. Enterprises need to be able to independently engage in production, commodity circulation or other activities, and at the same time be able to independently account for economic income and be responsible for their own profits and losses.
3, enterprises must have independent operating funds and financial plans, accounting statements, can rely on their own income to make up for expenses, and have an independent foreign purchase and sale contract.
4. The enterprise must have certain self-owned funds and need to open an independent account in the bank; The products we handle need to have a certain market.
2. What materials do enterprises need to prepare to apply for corporate loans?
1. Enterprises applying for enterprise loans need to provide business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. When applying for corporate loans, enterprises need to provide annual reports for the last three years, financial statements for the last three months and corporate bills for the last six months.
3. When applying for enterprise loans, enterprises need to provide business premises lease contracts, proof of rent payment, and water and electricity charges for the past three months.
4. When applying for enterprise loans, enterprises need to provide all kinds of tax forms and signed purchase and sale contracts (if any) in the past six months.
5. Enterprises applying for enterprise loans need to provide proof of assets under the name of the enterprise.
3. What is the process for enterprises to apply for corporate loans?
1. Enterprises need to apply for loans from banks and provide relevant materials.
2. After the enterprise obtains the loan qualification, it needs to sign loan contracts and guarantee contracts with banks and guarantors.
3. After completing the loan procedures, the enterprise still has to go through the loan procedures according to the procedures. After all the formalities are completed, the bank will transfer the enterprise loan to the account opened by the enterprise.
4. After the enterprise gets the enterprise loan, it needs to allocate the enterprise loan according to the contract funds, and at the same time, it needs to repay the loan principal and interest on time.
Loan fast track:
If you need a loan, please click on the online loan fast track to apply for a loan.