What is the whole process of enterprise loan? How to handle enterprise loans? Let's take a look together.
1. What are the application conditions for enterprise loans?
1. An enterprise must first obtain a business license approved by the industrial and commercial department.
2. Enterprises need to be able to independently engage in production, commodity circulation or other activities, and at the same time be able to independently account for economic income and be responsible for their own profits and losses.
3, enterprises must have independent operating funds and financial plans, accounting statements, can rely on their own income to make up for expenses, and have an independent foreign purchase and sale contract.
4. The enterprise must have certain self-owned funds and need to open an independent account in the bank; The products we handle need to have a certain market.
2. What materials do enterprises need to prepare to apply for corporate loans?
1. Enterprises applying for enterprise loans need to provide business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. When applying for corporate loans, enterprises need to provide annual reports for the last three years, financial statements for the last three months and corporate bills for the last six months.
3. When applying for enterprise loans, enterprises need to provide business premises lease contracts, proof of rent payment, and water and electricity charges for the past three months.
4. When applying for enterprise loans, enterprises need to provide all kinds of tax forms and signed purchase and sale contracts (if any) in the past six months.
5. Enterprises applying for enterprise loans need to provide proof of assets under the name of the enterprise.
3. What is the process for enterprises to apply for corporate loans?
1. Enterprises need to apply for loans from banks and provide relevant materials.
2. After the enterprise obtains the loan qualification, it needs to sign loan contracts and guarantee contracts with banks and guarantors.
3. After completing the loan procedures, the enterprise still has to go through the loan procedures according to the procedures. After all the formalities are completed, the bank will transfer the enterprise loan to the account opened by the enterprise.
4. After the enterprise gets the enterprise loan, it needs to allocate the enterprise loan according to the contract funds, and at the same time, it needs to repay the loan principal and interest on time.
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How to make enterprise loans
Enterprises that want to borrow money can handle it through banks or other financial institutions. The specific loan methods are as follows:
1. Confirm the required loan amount before submitting a loan application to a bank or other financial institution;
2. It is necessary to prepare basic enterprise information, financial statements and loan information required by banks or other financial institutions, and then submit them to banks/institutions for review;
3. If approved, a loan contract can be signed, and repayment can be made according to the contract after the next payment.
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
Extended data:
Enterprise loan application conditions
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are 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;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.