Generally speaking, bank loans need to run for nearly half a year or a year. Financial companies generally do not need bank loans for mortgage loans, like Qingdao.
Second, how much should the monthly flow of corporate loans reach millions/enterprise credit loans?
Enterprise credit loans application conditions
1. First, if the credit rating of corporate customers is above AA- (inclusive), credit loans can be issued with the approval of provincial branches of state-owned commercial banks.
Paragraph;
2. Second, the total profit of operating income accounting has continued to grow in the past three years, and the asset-liability ratio is controlled within a good range of 60%, and the cash flow.
Sufficient and stable
3. Third, the enterprise promises not to set mortgage (pledge) or provide guarantee or handle mortgage (pledge) for others with its effective operating assets.
The consent of the lending bank before providing the guarantee;
4. Invoicing (VAT invoice), annual report for two years, monthly report for the latest month, and invoice status for the latest half year.
5. Fourth, the operation and management are standardized, and there are no bad credit records such as debt evasion and interest arrears.
Second, enterprise credit loans application materials.
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Identity cards or passports of the main members of the enterprise and shareholders holding more than 0/5% of the shares of the enterprise/KLOC-.
3. Annual reports for the last three years, financial statements for the last three months and company bills for the last six months.
4. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
5. All kinds of tax bills and purchase and sale contracts signed in the last six months (if any)
6. Proof of assets under the enterprise name
Third, how much bank flow is needed for a loan of 6.5438+0 million?
Loans to the bank amounted to 6,543,800 yuan, and there were at least 3 million yuan in the bank in the past six months.
Fourth, how much bank flow does the mortgage need?
Generally, it is necessary to provide bank flow for nearly half a year.
Mortgage to buy a house loan conditions:
1. natural person with age 18-65;
2. Hold a valid ID card;
3. Good credit information and no bad records;
4. Have a stable job and a stable income;
5. Commercial housing sales contract or letter of intent with the purchased house;
6. Have the ability to pay the down payment of the purchased house;
7. Open a personal settlement account in a bank with effective guarantee;
8. Other conditions stipulated by the bank.
Information to be prepared by mortgage to buy a house:
1. Original and photocopy of ID cards of the borrower and spouse;
2. The original and photocopy of the household registration book of both husband and wife of the borrower;
3. Proof of marital status;
4. Original purchase agreement;
5. Original and photocopy of advance payment receipt for 30% or more of the house price;
6. proof of income;
7. Bank flow;
8. Certificate of academic qualifications;
9. Bank deposit certificate;
10. Other financial certificates;
1 1. The developer's collection account number;
12. Other materials specified by the bank.
Mortgage to buy a house loan process:
1. Select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.