The so-called commercial loan is the turnover of the bank's liquidity to the enterprise sector. The service target is mainly small and medium-sized enterprises that meet the bank loan access standards because of irregular financial management and substandard credit rating, but are well managed.
1. Enterprise loan conditions
(1) The borrower has a fixed residence, permanent residence or valid residence certificate.
(2) It has full capacity for civil conduct and is a loan enterprise.
(3) Have a valid business license and laws, operate according to law, pay taxes according to law, and have a good performance.
(4) It has a high economic reserve and the ability to repay the loan principal and interest on schedule.
(5) There is no record of bad credit and debt, and it can be proved.
(6) Other conditions stipulated by the bank.
2. The borrower shall provide commercial loans.
(1) ID card, household registration book and marriage certificate of the borrower and spouse (if single, unmarried certificate shall be issued at the Civil Affairs Bureau).
(2) proof of assets (such as real estate, cars, etc.). ).
(3) personal or family income and supporting documents.
(4) Business license, tax registration certificate and organization.
(5) Table for the last 6 months.
(6) Other information required by the bank.
3. The maximum loan amount of an enterprise is 70% of the appraised value of loanable assets.
4. The term of enterprise loan stipulated by the bank is 1~3 years.
The enterprise loan interest rate is now the bank loan interest rate stipulated by the bank.
6. Repayment methods of enterprises
(1) If the loan term is within 1 year (inclusive), the repayment method of monthly or quarterly repayment of interest or one-time repayment of principal at maturity can be adopted.
(2) If the loan term exceeds 1 year, you can choose to repay the loan according to the principal.
7. Enterprise loan process
(1) The borrower applies for a loan at the bank with relevant information.
(2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion.
(3) The three parties reach an agreement on the loan contract and mortgage payment, and the parties sign the contract.
(4) The Borrower handles the mortgage registration and other relevant procedures agreed in this Contract.
(5) After the mortgage registration is completed, the relevant information will be handed over to the bank for lending.
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Second, the operating loan application conditions
The application conditions for business loans include: the applicant 18-60 years old, with full capacity for civil conduct, with a fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, the borrower has no record of non-performing loans, the borrower (or spouse) is the actual controller of the business entity, the enterprise has been approved by the industrial and commercial department and passed the annual inspection, has a fixed business place, and has been operating normally for more than 1 year.
The purpose of operating loans must be used for the business activities of enterprises. The use of operating loans must be carried out under the supervision of banks. If the loan is found to be used for other activities, the bank will recover the remaining money.
Operating loan is one of the ways for enterprises to raise funds. When the enterprise has problems, the enterprise as a legal person can apply to the bank for operating loans through mortgage to alleviate the financial pressure of the enterprise.
The service targets of operating loans are mainly small and medium-sized enterprises and individual industrial and commercial households.
Three. Business loan conditions of enterprises
The borrower provides the required information.
1, borrower's husband and wife ID card
2. Household registration
3. Proof of marital status
4, proof of income, bank flow
5. Appraisal report and property right certificate
6. Tax payment certificate of an individual or company in the last 3 months.
7. Business license, tax registration certificate, organization code certificate, tax payment certificate, articles of association, financial statements, etc.
Letter of credit clause
1. Operating years: more than 2 years, with operating entities;
2. Place of registration: the location of the loan;
3. Running water requirements: the monthly operating running water is more than 300,000, and the turnover is more than 6,543.8+0,000;
4. Property requirements: you must provide the property where the loan is located.