Unsecured loans for enterprises refer to bank loans obtained by enterprises with their operating ability and credit without providing collateral. So how do you apply for a loan in Ping An Bank? What are the requirements?
I. Loan Requirements of Ping An Bank Company
1. The bank requires the enterprise to continue to operate for three years;
2. The invoice turnover of the enterprise in the last six months must be above 654.38+500,000.
3. Invoicing (VAT invoice), annual report for two years, monthly report for the last month, and invoice status for the last six months.
4. The applicant's personal loan in the past three months should be overdue, and the corporate debt ratio should not exceed 60-70%.
Two. Information required for corporate loans of Ping An Bank
1 Original and photocopy of business license
2. Original and copy of tax registration certificate
3. Original and photocopy of organization code certificate
4. Articles of Association and all relevant amendments and changes.
5. Latest capital verification report
Copy of loan card of China People's Bank.
7. Account opening permit issued by the People's Bank of China.
8. Identity cards of shareholders holding more than 0/5% shares of the company/KLOC-.
9 Running bank statements for the last 6 months
10 company's financial certificate for the last 6 months.
What conditions does the enterprise make?
Unsecured is a relative term. For banks, if collateral is not provided, it is unsecured guarantee. For customers, if there is a counter-guarantee agreement with the guarantee company, if the counter-guarantee measures do not involve collateral, it can also be called unsecured. The title of unsecured mainly depends on who it is for. Conditions:
First, it is purely required that banks give enterprises pure credit, generally requiring enterprises to have good long-term cooperative relations with banks, and banks know enterprises very well; The enterprise itself has good conditions and high quality. Generally speaking, it has abundant assets, stable operation, reliable income and considerable profits.
Second, if it is an ordinary enterprise, it is required that the enterprise can provide a guarantee and find a guarantee company or a powerful individual to do the guarantee.
Third, without guarantee and mortgage, ordinary enterprises can't do it.
Can unsecured loan companies be trusted?
Not credible.
Unsecured credit loan refers to the loan issued by the borrower with the credit of the borrower without providing mortgage guarantee. Because loans don't need any collateral, they only need proof materials such as identity certificate, income certificate and address certificate. Banks issue loans according to personal credit conditions, and the interest rate is generally slightly higher than that of mortgage loans.
At present, the reliability of domestic online unsecured and unsecured companies is also different. There are mainly Citibank, Standard Chartered Bank, Bank of Ningbo Bank, Nanjing Bank, Ping An Bank and China Bank. In addition, some loan companies and online lending platforms have also opened unsecured businesses. Because of the convenience and low threshold of unsecured handling, especially the requirement of unsecured handling, unsecured handling is very popular. But because of this, scams caused by unsecured are also emerging one after another. Therefore, both lenders and lending institutions must be vigilant when handling unsecured loans to prevent being cheated.
Banks are unsecured: reliable. Of course, the unsecured reliability of bank issuance is high, but there are relatively few unsecured banks at present, and the user selectivity is poor.
Online insecurity: more reliable. Some unsafe products on the Internet are highly reliable. For example, Alipay's products have a strong corporate background, so users don't have to worry about being cheated, but such loans require users to have good sesame credit. In addition, the reliability of other online insecurity is not so high.
Unsecured company: low reliability. Private unsecured microfinance companies are less reliable, because they don't need mortgage, and loan scams emerge one after another. If you want to choose a private unsecured company, users must keep their eyes open and choose a formal loan company.
What are the channels for enterprises to apply for unsecured credit loans? How many of the four channels do you know?
In the daily operation of enterprises, loans are inevitable. However, for many business leaders, they don't know much about enterprise credit loans. Today, I will introduce the contents of unsecured credit loans to the majority of business owners.
There are four main channels for enterprises to handle unsecured credit loans: commercial banks, some government agencies, online lending platforms and private lending companies. Among these four loan channels, commercial banks and some government agencies are the first choice for most enterprises.
At present, there are many commercial banks in China, and each bank has designed a variety of loan products for enterprises. Generally speaking, enterprises with good credit can obtain unsecured credit loans with high amount, low interest and long term from commercial banks.
In addition, some enterprises supported by government departments can also apply for high-credit loans from relevant departments, not only without providing collateral, but also with certain interest concessions. Enterprises that need loans should consult relevant local departments for policies in advance.
However, in the case of urgent need for money, many enterprises can only obtain loans through online lending platforms and private lending companies. Here are two online lending platforms for unsecured credit loans of enterprises.
2. EasyLoan is a loan platform with an operating cycle of 16, which can provide tens of millions of loans for enterprises, with a monthly interest rate of between and a loan cycle of 1 week.
How can enterprises?
Application conditions: (1) The enterprise must operate continuously for three years; The billing turnover of the enterprise in the last six months must be above 6.5438+0.5 million; Invoicing (VAT invoice), annual report for two years, monthly report for the latest month, and invoices for the last six months; The applicant's personal loan in the past three months shall not be overdue, and the corporate debt ratio shall not exceed 60~70%. \ Procedure: Appointment: Telephone personal loan application. Interview: after receiving the application, make an appointment, and the applicant will bring relevant materials for an interview and fill in the application form. Review: review according to the information and materials submitted by the applicant. According to the process, the approval result will be fed back to the applicant within 1~3 working days. Signing a contract: after approval, notify the applicant to open an account in the bank and sign a contract with the bank. Lending: after the contract is signed, it can be transferred to the special account opened by the applicant in the bank.