The company has been operating for 1 many years, and the maximum amount in enterprise credit loans is 5 million yuan. The amount of loans mainly depends on the operating conditions and income of enterprises. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan.
Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks.
Generally speaking, the branches of commercial banks are based on the local credit market, the personal loan business development strategy and risk control ability of the branches.
Calculate the loan amount according to the production scale, profitability, cash flow and asset status of the entity.
I. Application conditions
It conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;
The enterprise has a good reputation in various commercial banks and has no bad credit record;
Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits;
Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors;
The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
The business operation of the enterprise is steady, the establishment period is in principle more than 2 years (inclusive), and there is 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;
Abide by the industrial credit policies related to small businesses;
Abide by national financial regulations and policies and relevant bank regulations;
Open a basic settlement account or a general settlement account with the applicant bank.
Second, the application materials
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.
Three, personal loans need to meet the basic conditions are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business requires a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
How much can I borrow from a corporate loan?
Different lending institutions can apply for different enterprise loan quotas. Generally, they apply for enterprise credit loans, and the maximum loan amount is about 500,000 yuan.
If it is a corporate mortgage loan, the maximum loan amount is about 2 million yuan.
Lending institutions will review the application materials submitted by loan enterprises, thus giving corresponding loan quotas.
What is the credit line in enterprise credit loans, Xiao Wei?
Credit loan refers to the loan issued by the borrower's credit, which is characterized in that the debtor can obtain the loan only by his own credit without providing collateral or third-party guarantee, and the borrower's credit degree is used as the repayment guarantee. So, what's the credit line in enterprise credit loans, Xiao Wei?
It is understood that the maximum credit line of Xiaowei enterprise credit loans is generally 500,000 yuan, and some banks will have higher credit lines to attract small and micro enterprise customers, and the maximum credit line of some banks is 6,543,800 yuan+0,000 yuan.
However, the credit line is not equal to the loan line. The loan amount approved by the bank is comprehensively determined according to the age, credit, assets, operating status, financial status and liabilities of small and micro enterprises.
Therefore, according to the development and operation of small and micro enterprises, the final loan amount will be different for different lending institutions in different regions. Therefore, a small and micro enterprise like Mr. Zhou can apply for a loan, and can go to several lending institutions to find a loan product that suits him according to his repayment ability.
How to calculate the enterprise loan amount?
The enterprise loan amount is determined according to the comprehensive information of the enterprise, including credit, income, collateral, etc. How much depends on the results of bank audit, and each enterprise may be different. If you want to know the quota, you can call the bank.
1. Enterprise loan refers to a way for an enterprise to borrow money from a bank or other financial institution at a specified interest rate and time limit for the needs of 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. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
2. Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects. According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan: capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
3. Application conditions: it conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; The enterprise has a good reputation in various commercial banks and has no bad credit record; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection; It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits; Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors; The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record.
What is the limit of commercial loan?
Because the loan banks are different, the loan amount is also different. According to the risk control standard of the loan company, the amount of commercial loans cannot exceed 70% of the value of real estate assessment, and 70% only meets the risk control standard, which does not represent the final mortgage rate. Commercial loans generally include personal housing loans and commercial loans. Different types of commercial loans have different amounts.
First-hand personal housing loan amount: if the first-hand personal housing loan amount is mortgaged by the purchased commodity housing or other commodity housing, the mortgage rate shall not exceed 80% at the highest. To apply for personal self-built housing loans, the mortgage rate shall not exceed 70%.
Commercial loan amount: the maximum amount of personal commercial loan can reach 3 million yuan.
Where pledge guarantee is adopted, the pledge rate shall be implemented in accordance with the relevant regulations of the loan bank, and the loan bank will review the amount applied by the borrower according to the specific circumstances, and the borrower needs to take the actual loan amount as the standard.
Agricultural Bank of China provides family farm loans to farmers with a maximum loan amount of100000 yuan. With family farms, borrowers who need loans can go to the Agricultural Bank of China to handle specific loan matters. The loan amount of each lending bank is different and cannot be generalized.
The limit of commercial loans is only a reference value, and few commercial loans can really reach the limit.
How much can a corporate loan generally lend?
There are many kinds of loans from banks in China, and the amount of different kinds of loans will be different. If you need to know more about the loan amount, you can consult the enterprise bank.
The above contents are for your reference. Please refer to the actual business regulations.