Enterprise loan requirements: 1. It conforms to the national industry and industrial policies 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 no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the 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. Abide by the policy of establishing industry credit related to small enterprises; 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.
The process of enterprise loan: (1) application: the enterprise applies for loan guarantee; (2) inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee; (3) Communication: communicate with the loan bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank; (4) Guarantee: clarify the legal procedures such as loan guarantee and counter-guarantee agreement, asset mortgage and registration with the enterprise, sign a guarantee contract with the loan bank, and formally establish a guarantee relationship with the bank and enterprise; (5) Lending: banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises; (6) Tracking: tracking the loan use and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
The Civil Code stipulates that a guarantor must have certain qualifications, and state organs, schools, kindergartens, hospitals and other public welfare institutions and social organizations may not act as guarantors. But in practice, some loans are guaranteed by some state organs. As the expenditure of state organs and institutions depends on financial allocation, the unit has no right to dispose of its own assets, in fact, this guarantee becomes invalid.
What are the procedures and conditions for company loans?
What are the procedures and conditions for enterprise loans? The requirements for corporate bank loans are as follows:
Enterprise loan application conditions:
Enterprises need to open a basic account in the loan evaluation bank and have a certain settlement amount; The enterprise has been established for more than one year and has a legal and valid business license and a fixed business place; The borrowing enterprise and enterprise legal person have good credit; The enterprise continues to operate normally and has good income and repayment ability; The invoice amount in the last six months is not less than 6.5438+0.5 million, and the irradiation rate of the enterprise is not more than 60%; It is enough to provide collateral recognized by the bank as collateral (usually real estate as collateral).
Enterprise loan procedures and processes
If the enterprise meets the loan conditions, it can choose the loan application bank and then submit the loan application. The materials to be prepared include the basic information on the identity of the enterprise legal person or operator, the basic information of the enterprise, the information on the development of the enterprise and the explanation on the purpose of the loan.
After receiving the loan application information, the bank will investigate and accept it. The main investigation direction is the credit status, operation status and loan use of enterprises and corporate. After the loan is approved, the bank will call the enterprise to reconfirm the loan amount, loan term and loan purpose. After confirmation, both parties sign a loan contract.
After the loan is issued, the enterprise can repay the loan on schedule according to the time agreed in the contract.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
What are the conditions for a company loan?
Company loan terms: 1. It has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off.
2. Except for natural persons, the annual inspection shall be conducted by the administrative department for industry and commerce (competent authority).
3. basic account or general deposit account has been opened.
4. Unless otherwise stipulated by the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.
5. The asset-liability ratio meets the requirements of the lender.
6. The ratio between the owner's equity of an enterprise legal person applying for medium and long-term loans and the total investment required for new projects shall not be lower than the capital ratio of investment projects stipulated by the state.
The following information must be provided:
(1) project feasibility report.
(2) Report on the completion of the preparatory work before the project starts.
(3) proof that the bank has deposited a certain proportion of funds.
(4) the implementation of the project investment plan or the notice of commencement issued with the approval of the competent unit and the certification materials required for the project to be completed and put into production according to the regulations.
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.
At present, enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks and so on.
What are the conditions for a company to borrow money from a bank?
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. So, what are the conditions for the company to lend money to the bank?
What are the conditions for a company to borrow money from a bank?
1. The company must be an enterprise approved and registered by the administrative department for industry and commerce;
2. The company has a fixed business place and necessary business facilities, and is responsible for independent accounting, self-financing, independent operation and independent civil liability;
3. The company has a sound financial accounting system, and must provide the bank with operating instructions and statistical statements when issuing loans;
4. The company abides by national laws, regulations and policies and operates according to law;
5, the company industry national policy allows, encourage the development of the industry.