Basic conditions for applying for enterprise mortgage loan: 1, business license, tax registration certificate, code certificate, etc. 2. Have a loan card issued by the People's Bank of China, and have no bad credit record. 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. 4. Materials required to apply for enterprise mortgage loan. : enterprise financial information: 1, tax payment certificate. 2. The company's financial statements. Business data: 1, semi-annual bank statement. 2. Several major invoices of the enterprise within half a year. Mortgage information: 1, mortgage guarantee: real estate license Personal requirements: household registration book, marriage certificate. 2. Original bank mortgage loan contract (no need to provide it, there is a mortgage arrangement to mortgage in advance). 3. Letter of authorization for credit inquiry. 4. Other information deemed necessary by the Bank. The loan terms of the enterprise are as follows: 1. Enterprises need good credit, including settlement credit and loan credit. It means that the loan enterprise normally settles the cash, and there are no bad phenomena such as refusal to pay, inability to cash bills and fines. And have a good willingness to repay. 2. Business owners have good qualifications. When an enterprise applies for a loan, the lending institution will inspect the enterprise and the business owner, such as personal credit and income. 3. Financial statements should be true and reliable, and lending institutions will also examine the financial situation of enterprises. If the financial management is chaotic, it may lead to the application for loans being blocked. 4. Enterprises cannot have excessive assets and liabilities, and the asset-liability ratio of general loan enterprises does not exceed 60%. Enterprises will inevitably encounter difficulties in the course of operation. At this time, the most effective solution is to apply for a loan, which must meet at least the following four basic conditions: 1. Good enterprise credit includes two aspects: first, settlement credit; The second is loan credit. In other words, the cash settlement of the borrower's enterprise is normal, and there have been no bad phenomena such as non-payment, non-payment of bills and fines, and at the same time, it has a good willingness to repay. 2. When an enterprise with good business owner qualification applies for a loan, the lending institution will not only examine all aspects of the enterprise, but also examine the qualifications of the business owner, such as personal credit status, income status and future planning of the enterprise. These are all important factors that determine whether an enterprise can successfully obtain loans. 3. Before providing true and reliable financial statements to apply for a loan, the lending institution will review the financial status of the enterprise. If there are no regulations and financial management is chaotic, loan applications are likely to be blocked, because such enterprises are more risky in the eyes of lending institutions. 4. Assets and liabilities should not be too high. According to relevant regulations, the asset-liability ratio of the borrowing enterprise shall not exceed 60%. Moreover, the annual net operating cash flow in financial statements cannot be negative, and the same profit cannot be negative.
Two, foreign-invested enterprises with property as collateral loans do not mention bad debt provision. ()
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3. How does Beijing handle enterprise credit loans? Our factory wants to buy a batch of new equipment. Due to lack of funds, we want to ...
The specific process is as follows: 1. Apply for a loan from a bank; 2. After the acceptance of the bank, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Sign a loan contract, etc. ; 4. Apply for real estate mortgage registration; 5. Information required for bank loans and other mortgage loans: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (no matter what) (ID card, household registration book, marriage certificate, etc. Note: 1. Loans can only be made with collateral, and the total loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor (in any case); The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about half a month to 1 month to get a loan.