Loan conditions of enterprise as a legal person:
(1) Enterprises applying for loans need to be registered in the administrative department for industry and commerce for more than 1 year and operate normally;
(2) An enterprise as a legal person shall open an account with the loan handling bank and handle settlement and credit business for at least 1 year;
(3) The invoice amount of the enterprise in the past six months is about 6.5438+0.5 million yuan;
(4) The enterprise as a legal person has no tax arrears, arrears, arrears of wages and other arrears (except normal payables);
(5) The debt ratio of the enterprise shall not exceed 50%;
(6) The enterprise as a legal person, its major shareholders and major management personnel have good tax payment, financing and business credit in the past three years, and have no bad records.
legal ground
Article 115 of the Company Law: A company may not provide loans to directors, supervisors or senior managers directly or through subsidiaries.
2. What are the basic conditions for the borrower to apply for a loan as a legal person?
The specific conditions should be: 1, with complete licenses; 2. Good reputation; 3. A sound management system; 4. sound organization; 5. Good financial position; 6. The project has a good prospect; In addition to the above information, there are many related materials, anyway, there are too many. You add a question and explain your business situation, loan amount and purpose clearly.
3. Can a legal person make a loan in the name of the company?
Of course. The company needs to bear the responsibility, and then it can seek compensation from the company as a legal person. If it is a limited company, the legal representative acts on behalf of the company, and the repayment responsibility after signing the loan contract shall be borne by the company, and the shareholders shall be liable to the company to the extent of their capital contribution. If it is a partnership, the behavior of the legal representative represents the partnership, and the debts of the partnership are jointly and severally liable by each partner, which is also the fundamental difference between a limited company and a partnership. As long as shareholders have not transferred their shares, they are still shareholders of the company and still have obligations and rights. Article 149 of the Company Law of People's Republic of China (PRC) * * * Directors, supervisors and senior managers who violate laws, administrative regulations or the Articles of Association when performing their duties in the company shall be liable for compensation.
4. What are the requirements for enterprise loans?
1. must be approved by the State Administration for Industry and Commerce, registered and hold a business license. 2 the implementation of independent economic accounting, independent management, self financing. 4. Comply with policies and decrees, bank credit and settlement management systems, and open basic account and general deposit accounts in banks as required.
The establishment and operation of a company need to invest a lot of money. Sometimes, because of a project or contract, the company has insufficient funds to borrow such a large sum from others. At this time, you can borrow from the bank. So what do corporate loans need? Let me talk about it. According to relevant regulations, the requirements for enterprise loans are as follows: 1. The application condition is 1. It must be established with the approval of the State Administration for Industry and Commerce, registered and hold a business license; 2, the implementation of independent economic accounting, independent operation, self financing; 3. Have certain self-owned funds; 4. Abide by policies and decrees and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required; 5. There is a market for products; 6. Production and operation should be profitable; 7. Do not misappropriate credit funds; 8. Have the ability to repay the principal and interest on schedule; 9. The asset-liability ratio meets the requirements of banks and loan companies. II. Required materials 1, original and photocopy of business license; Name and business of enterprise (province, city and county) II. Original and photocopy of organization code certificate; 3. Original and photocopy of tax certificate; 4. A copy of the account opening permit; 5. Copy of the loan card and password (or copy of the query result of the loan card); 6. A copy of the original ID card of the legal representative; Work experience (work experience and position) of the legal representative; 7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of the agent's ID card; 8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan); 9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality); 10, a copy of the capital verification report; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months; 1 1, real estate area, purchase value (ten thousand yuan), real estate furniture; 12, the most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity; 13, accounts receivable (ten thousand yuan); 14, total bank loans (ten thousand yuan), total other loans (ten thousand yuan); 15. Total loan amount (ten thousand yuan), project purpose and feasibility report; 16, the types of guarantee that can be provided (residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge and other ownership certificates). ); Counter-guarantee measures to be provided; 17, loan application; 18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee; 19, the original and photocopy of the production and operation license for special industries; 20. basic account Bank. The above is a detailed introduction to what enterprise loans need. We all know that loans are very particular about personal credibility, and the amount of loans depends on your credibility. Therefore, I want to remind you that you must be honest and trustworthy, and behave in good faith, so that the return that society will give you will gradually be reflected in your future life in China.