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.
Enterprise loan conditions
Enterprise loan conditions are as follows:
1, which conforms to the national industry and industrial policy 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 has 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, a fixed foundation and business premises, and legal and marketable products.
Field and benefit;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, and have no bad credit record;
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 is stable in operation, established for more than 2 years in principle, with at least one or more financial reports for one fiscal year, and sold for 2 consecutive years.
Sales revenue growth and gross profit are positive;
8, in line with the establishment of small business related industry credit policy;
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.
What are the loan terms of the company?
Legal analysis: company loan conditions: 1, no bad credit record; 2. Business license; 3. Ability to perform contracts and repay debts; 4. The operator or actual controller has worked for more than 3 years and has no bad personal credit record; 5. The operation of the enterprise is stable, and the establishment period is in principle more than 2 years (inclusive); 6. Open a basic settlement account or a general settlement account; 7. others. Legal way to collect debts: 1. Sign a repayment agreement with the other party. If the other party does not deny it, but delays the repayment under various excuses, then it can sign a repayment agreement with it to clarify the repayment method and time limit. 2. It may also be agreed with the other party that if the debtor fails to pay it back at maturity, he may apply for compulsory execution of the debtor's property and notarize it. If there is a notarized repayment agreement, once it expires, the creditor can directly request enforcement according to the agreement, which avoids many complicated litigation procedures and saves time and money. 2, fifteen days before the lawsuit or at the same time for property preservation. The so-called property preservation is to apply for sealing up, distraining and freezing the property interests of the respondent before or at the same time of litigation, so as to ensure that the applicant can execute the ruling after winning the case. Of course, the application for preservation must provide a guarantee in advance, and if the application is wrong, the respondent must be compensated for the losses suffered.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.
If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
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.