It depends on what kind of loan the enterprise applies for and the requirements of the bank for the loan. For example, if you want to apply for a credit loan, you need to bring business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the bank (lending institution) business outlets to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will also be required.
In addition, the state has clear regulations on enterprises applying for loans from banks, and enterprises must meet the following conditions:
1. The borrower must be a unit approved by the competent department or the administrative department for industry and commerce at or above the county level, registered and holding a Business License.
2. The borrowing enterprise must be an enterprise that implements independent economic accounting, accounts for profits and losses separately, prepares financial statements separately, and has the right to sign foreign trade contracts.
What are the necessary conditions for enterprises to apply for loans?
1. An enterprise must be approved by the State Administration for Industry and Commerce to be established, registered and hold a business license.
2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.
3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans, especially credit funds.
4. Abide by the policies and regulations and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required.
5. Profit from production and operation. The products produced and operated by enterprises must be marketable short-term products, which can bring benefits to society and enterprises and improve the utilization rate of credit funds.
6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.
The above is summarized by 5 1 Fund Project Network for you. In addition to the above-mentioned basic conditions, an enterprise applying for a loan should also meet the following conditions: the original interest payable and the loan due have been paid off, and the repayment plan recognized by the lender has been made for the outstanding ones; The borrower has gone through the annual inspection formalities in the industrial and commercial department; Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; The borrower's asset-liability ratio meets the loan requirements; The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the capital ratio of investment projects stipulated by the state.
Enterprise loan conditions
Legal analysis: 1. The company must be an enterprise approved and registered by the administrative department for industry and commerce. The company has a fixed business place and necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability. 3. The company has a sound financial accounting system. When making a loan, it is required to provide business statements and statistical statements to the bank. The company abides by national laws, regulations and policies and operates according to law. Other conditions: 1, a natural person aged between 18 and 65 years old, the borrower's actual age and loan application period are not more than 70 years old, he has a stable job, a stable income, the ability to repay the loan principal and interest on time, good credit information, no bad record, legal use of the loan and other conditions stipulated by the bank. Required materials 1, valid identity documents of the borrower and spouse, original and photocopy of marriage certificate, local permanent residence certificate or local long-term residence certificate of the borrower and spouse, business license for production and operation, and permission to operate. The original and photocopy of the business license of the relevant administrative department, the tax payment certificate of production and operation activities, the borrower's spouse's commitment to repayment, the pledge right certificate required by the borrower to obtain the amount of mortgage (pledge), the list of mortgage (pledge) and the ownership certificate, the written documents of the owner and property agreeing to mortgage (pledge), and the collateral evaluation report issued by the evaluation department recognized by the second-tier branch of the bank (inclusive) or above shall be provided.
Legal basis: Article 115th of the Company Law of People's Republic of China (PRC). The company may not provide loans to directors, supervisors and senior managers directly or through subsidiaries. The current company law has made strict provisions on the obligations of directors, supervisors and senior managers, requiring them to abide by and faithfully perform their duties, and not to use their position and authority in the company for personal gain. Due to the dispersion of shares, it is difficult for shareholders, especially small and medium shareholders, to supervise the directors, supervisors and senior managers of the company. In practice, the directors, supervisors and senior managers of the company provide loans to themselves through the company or its subsidiaries, transfer the company's assets and empty the company, which seriously damages the interests of the company and shareholders. In view of this situation, the newly revised Company Law has added this provision, which prohibits companies from providing loans to directors, supervisors and senior managers directly or through subsidiaries. If the company provides loans to directors, supervisors and senior managers directly or through subsidiaries, the company's shareholders or creditors may claim that the loans are invalid and the company suffers losses. Directors, supervisors and senior managers who have obtained loans and those responsible for providing loans to them shall be liable for compensation according to law.
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What are the procedures and conditions for enterprise loans?
What are the procedures and conditions for company loans?
1 To apply for a credit loan, you need to bring your business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
To apply for a mortgage loan, you need to go through the mortgage registration procedures in addition to applying at the business outlets and signing contracts. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral is also required to meet certain requirements.
The above are the procedures and conditions required for the company's two kinds of loans, subject to the actual situation. I hope the above answers are helpful to everyone.
Can the company get a loan? What are the requirements for company loans?
Mortgage loan, working-class consumer loan, corporate loan, credit loan, etc. There are many loan models and ways. So, can the company borrow money? No doubt, yes, but what are the conditions for a company to borrow money? First of all, you can't apply for business loans, but a business license of more than one year is a prerequisite for company loans.
For the level of modern economic development, there are many loan methods, such as housing mortgage loan, mortgage loan, working-class consumer loan, company loan and credit loan. There are many loan models and ways. So, can the company borrow money? No doubt, yes, but what are the conditions for a company to borrow money? First of all, you can't apply for business loans, but a business license of more than one year is a prerequisite for company loans. Let me tell you more about it.
Can the company get a loan?
You can't apply for a commercial loan because a business license is generally required for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months.
What are the requirements for company loans?
Application conditions
1. China citizens with full capacity for civil conduct (excluding Hong Kong, Macao and Taiwan residents), including individual industrial and commercial households, major partners or major natural person shareholders of sole proprietorship/partnership/limited liability companies, etc.
2./kloc-over 0/8 years old and under 60 years old, with a fixed residence, permanent residence or valid residence certificate within the jurisdiction of the branch;
3. The borrower and its business entity have good credit and stable operation;
4. Other conditions stipulated by relevant banks.
Application material
1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;
2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;
3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in business units, rental income, deposits in ICBC or other banks in the last six months, national bonds, funds and other general financial assets certificates. ;
4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;
5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.
6. If the loan is secured, relevant information of the guarantor shall be provided;
7. Other information required by the bank.
Can the company get a loan? I explained to you in detail above, what are the requirements for company loans. First of all, if the company is established for business and the business license is more than one year, the company is the bank running certificate of the public water or the personal conditions of the company as a legal person. I gave my friends a detailed list of the specific information they needed, such as the company legal person and business license, as well as the proof of industrial and commercial registration, which are all essential. Next, it depends on how to borrow money.