Process:
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Enterprise loan: depending on the specific business situation of the enterprise.
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
Application conditions
It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;
The enterprise has a good reputation in various commercial banks and has no bad credit record;
Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;
The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
Abide by the industrial credit policies related to small businesses;
Abide by national financial regulations and policies and relevant bank regulations;
Open a basic settlement account or a general settlement account with the applicant bank.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Derivative problem:
What materials do I need to provide to buy a car in the name of the company?
1. The enterprise shall provide the original and photocopy of the business license (or industrial and commercial registration certificate), organization code certificate, tax registration certificate, and the original and photocopy of the identity certificate of the agent.
2. Non-fully funded institutions, social organizations and other organizations provide the original and photocopy of the organization code certificate and the original and photocopy of the identity certificate of the agent. The agent's ID card refers to one of the following documents: resident ID card, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province residents' pass to and from the mainland, military officer's card and passport.