For xxx reasons, I hereby apply to the company for a loan of RMB xxx, which will be deducted from my salary every month.
Applicant:
Xxxxx year xx month xx day
：
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.
Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Conditions for enterprise capital lending:
Not all enterprises and enterprise funds can participate in lending. Enterprises and funds involved in lending activities must meet the following conditions:
1. The enterprise that borrows and lends funds must be a legal person with independent operation and accounting, and the funds can be independently controlled and used, and it can engage in various economic decisions and activities and enjoy a good reputation in society;
2. The enterprise that borrows funds must have certain self-owned funds and actual repayment ability, so as to ensure the repayment of principal and interest on schedule.
3 enterprises to lend funds must meet the following sources:
(1) Self-owned funds temporarily idle by offices, companies and affiliated enterprises and institutions of the Bureau;
(2) Available and unused special funds:
(3) Temporary idle funds raised from various channels. Bank loans may not be lent.
4. The funds borrowed by the enterprise must be used for the following aspects:
(1) The bank has approved the technical transformation and project establishment of the loan. Before the bank loan is issued, the enterprise can temporarily supplement it by borrowing;
(2) 10% to 30% of the self-raised funds required for enterprise loans can be temporarily supplemented by borrowed funds when the enterprise has difficulty in raising enough funds at one time;
(3) Short-term liquidity urgently needed by the production and operation of the enterprise;
(4) part of the funds needed for technological transformation projects with low investment, high efficiency and quick results. The purpose of enterprise borrowing should be mastered in the above scope, and it cannot be used for long-term investment in fixed assets, let alone for profit by lending.