Companies can mortgage loans.
The enterprise mortgage loan shall meet the following conditions:
1. Have business license, tax registration certificate, code certificate, etc. ;
2. Have a loan card issued by the People's Bank of China, and have no bad credit record;
3. The company has been registered and operated for more than one year, and its annual turnover in the latest year is more than three times the loan amount.
The characteristics of enterprise mortgage loan are:
1. The business premises used for mortgage must be a loan owned by the borrower, located in a bustling business district, and used for external rental, and the rent collected is paid as the repayment source;
2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to bond swap funds and funds exceeding the prescribed proportion of project capital;
3. The value of mortgaged property must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction.
Can I borrow money from the company's business license?
Yes, you can get a loan with a business license, but at the same time you must meet the conditions of the loan. Business license is an essential material for enterprises to apply for loans, but a separate business license cannot be used for loans. In addition, the general rule of banks is to obtain a business license for at least 1 year before applying for loans, and a few financial institutions have lowered the threshold to half a year.
Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.
The company's business license can be loaned, but it requires the business license to be processed for more than one year, and the credit is good.
Relevant information that can prove the marital status of the legal representative, as well as legal and sufficient collateral or pledge, should be provided when handling.
A company legally established in accordance with Article 7 of the Company Law shall be issued a business license by the company registration authority.
The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
Article 7 of the Company Law stipulates that a company established according to law shall be issued a business license by the company registration authority.
The date of issuance of the business license of the company is the date of establishment of the company.
The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters.
Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
Can the company mortgage the loan?
Companies can mortgage loans, but they must meet the following conditions: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card issued by the People's Bank of China and no bad credit record. 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. The characteristics of corporate mortgage loans are: 1. The operating property used for mortgage must be a loan owned by the borrower, located in a prosperous business district, and used for external rental, with the rent collected as the repayment source. 2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to debt replacement funds and funds exceeding the specified proportion of project capital. 3. The value of collateral must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction. Article 11 of the Interim Measures for the Administration of 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.