1, no bad credit record;
2. The company with business license is in operation;
3. Have the ability to perform Li Douhang's contract and repay debts;
4. The operator or real wax factory controller has worked for more than 3 years and has no bad personal credit record;
5. The business operation is stable, and the establishment period is more than 2 years in principle;
6. Open a basic settlement account or a general settlement account.
What is the enterprise loan process?
1, loan application. Apply directly to the agency of the host bank or other banks;
2. Banks are under review. 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;
3. 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;
4. 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.
Legal basis: Article 14 of the Interim Measures for the Administration of Personal Loans.
The loan investigation includes but is not limited to the following contents:
(1) Basic information of the borrower;
(2) The income of the borrower;
(3) the purpose of the loan;
(4) The source, ability and method of repayment of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.