65438+ After entering the home page of the organization, click "Login" in the upper right corner to enter the registration or login page. After registering with your mobile phone number or email address as required, you can log in. 2. Conduct enterprise certification. After logging in, according to the requirements of the platform, upload business license photos, corporate ID cards and other materials, and then select loan products after authentication. 3. Choose loan products. Enterprises can choose their own loan products, intelligently choose the loan products launched by the platform, and issue customized loan products for loan demand. 4. Submit a loan application. Fill in the application amount, application period, loan purpose, applicant and guarantee method, and then submit the application to the financial institution through the platform. 5. Financial institutions accept applications. After receiving the application, the financial institution shall evaluate the business status, credit, loans and other information of the enterprise. 6. Credit issuance and loans by financial institutions. Financial institutions determine the credit line according to the evaluation results, and notify enterprises to handle loan business.
Second, can I get a loan online? What company?
Hello!
You can apply for a loan online. In fact, according to your own actual situation, you can consider the handling methods:
1. Through the Bank of official website.
Many banks have online banking. You can apply for a loan online by logging into online banking official website.
Take Ping An Bank as an example, the online processing method is: online registration application-telephone contact of loan specialist-submission of materials-lending after approval.
2. Handling through intermediary agencies.
For customers who don't know about loan products, I suggest you choose this method. The so-called intermediary lending platform means that such platforms have established cooperative relations with banks and formal lending institutions. Customers can consult first and then find suitable institutions and loan products, and then hand them over to banks or loan institutions for handling.
Taking Rong 360 as an example, the online personal loan application process is as follows: platform loan application->; Platform qualification survey->; Referee-> The agency negotiated to sign the contract and successfully obtained the loan.
3. Through the loan company.
At present, there are many loan companies in the market, such as CreditEase, Urgent Loan and Zhongan Credit. There are also a large number of loan companies in the name of guarantee and consultation. There are also some electronic financial institutions, such as the p2p-based Renren loan website. These institutions can also apply for loans.
However, it needs to be reminded that because there are a large number of fake scammers, phishing websites and loan companies on the Internet, and customers do not understand the qualifications and legality of such loan companies, they are likely to fall into the trap of scammers.
Third, how to apply for corporate loans? The specific process is like this!
Small and medium-sized enterprises are facing great financing problems this year, and many enterprises need to apply for large loans from bank finance to tide over the difficulties. So how do you apply for a corporate loan? The specific process is like this.
I. Loan application and preparation materials
Enterprises applying for business loans need to apply directly to the host bank or other financial institutions. The borrower needs to fill in the loan application form, including loan amount, loan purpose, proof of repayment ability, repayment method, etc., and provide information.
Two. Acceptance and examination of qualifications by banks
1. The bank will verify the qualification of the enterprise and judge whether it meets the conditions for establishing a credit relationship.
2. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, evaluate the borrower's credit rating.
3. Investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Three. Sign a loan contract
After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.
Four. offer loans
If the qualification of the borrower meets the requirements of the lender, the lender shall issue the loan on time in accordance with the loan contract. If the Lender fails to issue the loan as agreed in this Contract, it shall pay the liquidated damages. At the same time, if the borrower fails to use the money as agreed in the contract, it shall also pay liquidated damages.
Verb (abbreviation for verb) Post-loan inspection
After the loan is issued, the lender will make a final investigation on the implementation of the loan contract and the operation of the enterprise.