If you apply for a personal loan, then the newly registered company can also apply for a personal loan. If the application is for corporate loans, the general bank will require the company to be registered for at least 1 year, then the newly registered company cannot make corporate loans. Or apply for a mortgage loan, the bank has no requirement for the company's registration period, as long as it can provide collateral recognized by the bank, it can apply for a loan.
Different loan application conditions are different. If you can't apply for corporate loans, you can try to apply for other loans.
Can a newly registered company get a loan? These problems should be paid attention to.
Nowadays, loans are a very common thing. If the funds are not very large, netizens will choose, but if it is a large loan, it is safer to find a bank loan. So can a newly registered company get a loan? I believe many netizens want to know, these problems should be paid attention to, let's take a look!
First of all, newly registered companies can also borrow money, but there are several kinds of corporate loans. The first is enterprise credit loans, the second is corporate mortgage loans, and the third is personal business loans. The conditions of these three kinds of loans are different, and netizens should first find out what kind of loans their companies meet before lending.
Moreover, the amount of these three loans is different, but the amount is generally determined according to the company's situation. For example, personal business loans need to be mortgaged by real estate such as houses and office buildings, and the total amount of banks will be controlled within10 million. The above is the basic news of the loan, and I believe netizens have a better understanding.
Can a newly established company get a loan?
Generally speaking, when an enterprise applies for a loan, it must meet the requirements of "the year of establishment is in principle more than two years (inclusive), and there is at least one financial report in one or more accounting years, and the sales revenue growth and gross profit are positive for two consecutive years". The reason why the lending institution has such requirements is mainly to control credit risk and ensure the smooth recovery of loans. The company has just been established and obviously does not meet this requirement. In this way, the bank will feel that the loan risk is too high and it is difficult for the loan application to pass the examination. However, if the company name or operator has collateral, mortgage loans can be made.
Letter of credit clause
1. The borrower must have a stable job and the ownership of the local mortgaged vehicle.
2. Proof of long-term residence and work, occupation and economic income.
3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice.
4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.
5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers)
6. Other documents required by the Cooperation Organization.
Can a newly established company get a loan?
It is generally difficult for newly established companies to obtain loans. After all, many banks require enterprises to operate for more than two years before applying for loans, and some lending institutions will provide loan services at least one year after the company is established. This is not absolute. After all, banks and lending institutions pay more attention to the company's repayment ability, profitability, development space and so on, rather than the company's operating years.
If the company has some good development projects, or can provide land and real estate as collateral, or a well-qualified third party provides guarantee, even if it has just been established, it may not be able to get loans.
Even if you meet the company's operating life, you may not be able to get a loan smoothly. Because banks and lending institutions will also have certain requirements for other aspects of the company, such as the need for the company to provide financial reports in recent years, requiring the company's sales revenue growth and gross profit to be positive, the company is not in a high-pollution and high-energy-consuming industry, and the borrower has certain assets and good personal credit.
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
In view of market changes and customer characteristics, actively innovate financing schemes for small and micro enterprises. CreditEase Company took the lead in launching an innovative business-Cheyi Loan, which effectively broadened the financing channels for small and micro enterprises and helped enterprises solve the financing problem.
In China, banks generally do not provide automobile mortgage services, so it is generally necessary to find private professional credit institutions to apply for such services. The "easy car loan" service in car mortgage is a short-term microfinance service for small enterprises, individual merchants and entrepreneurs. The "Easy Car Loan" credit service launched by CreditEase Company has the advantages of high approval amount, flexible loan term, simple and fast procedures, no pre-loan fees, and thoughtful service.
This concludes the introduction of whether a newly established company can get a loan and whether a newly registered company can apply for a loan. I wonder if you have found the information you need?