Different banks and different types of enterprise loans have different processing conditions and required information, which shall be subject to the actual requirements of the loan handling bank. When a company borrows money from a bank, it may involve the following information:
1, enterprise business license (original and copy);
2. Tax registration certificate (original and photocopy);
3 organization code certificate (original and copy);
4. Capital verification report (printed by the Industrial and Commercial Bureau);
5. Articles of Association (printed by the Trade and Industry Bureau);
6. Bank account opening license;
7. Bank loan card and password (copy the front and back of the loan card);
8, special trade business license;
9. ID cards, household registration books and marital status certificates of the legal representative and shareholders (ID card of the actual controller of the enterprise and relevant certificates of the current residence address of the legal representative or actual controller of the enterprise);
10. Resumes of the company's legal representative and shareholders.
Tips: The above explanations are for reference only.
Reply time: 202 1-08-27. Please refer to the latest business changes announced by Ping An Bank in official website.
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Second, what process does the enterprise need to borrow from the bank?
Enterprise loan process
I. Loan application
If an enterprise needs a loan, it should apply directly to the agent bank of the host bank or other banks. The borrower shall fill in the application form, including the loan amount, loan purpose and repayment ability, and provide relevant information.
Second, banks are subject to censorship.
1. The bank verifies the customer's situation and judges whether it has the conditions to establish a credit relationship according to the bank loan conditions.
2, according to the borrower's leadership quality, economic strength, capital structure and development prospects and other factors, to assess the borrower's credit rating.
3. Investigate the borrower's safety and profitability, verify the collateral, pledge and guarantor, and determine the loan risk.
Third, sign a loan contract.
After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed.
Four. offer loans
The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.
Verb (abbreviation for verb) Post-loan inspection
After the loan is issued, the lender shall follow up and inspect the borrower's execution of the loan contract.
Intransitive verb loan repayment
The borrower shall repay the loan principal and interest in full and on time according to the provisions of the loan contract, and go through the withdrawal procedures according to the provisions.
3. What are the procedures for getting a loan from a bank, and what are the specific loan methods?
Friends who want to solve their urgent needs through bank loans need to pay attention. Bian Xiao will explain in detail what procedures are needed to get a loan from a bank and what loan methods are available, hoping to bring some useful information to netizens. What procedures do you need for a loan from Beijing Agricultural Bank? What procedures and methods do you need to borrow money from a bank? Comments: This is the case. The procedure of bank loans in Beijing is the same: the materials needed for preparing loans are submitted to banks, and the types of loans are basically divided into two categories, credit loans and secured loans. Credit loan A credit loan refers to a loan issued with the credit of the borrower, and the borrower does not need to provide a guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. Secured loans are divided into guarantee, mortgage and pledge, (deposits are rarely used) 1. Guaranteed loan: refers to a loan issued by a third party under the guarantee mode stipulated in the Guarantee Law of People's Republic of China (PRC), with the promise that the borrower will bear joint and several liabilities according to the agreement when it cannot repay the loan. 2. Mortgaged loan: refers to the loan granted with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). 3. It refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans. The specific division method is the same as the corresponding terms of credit lending. Other types of loans seen in the market are basically extensions of these two forms, such as credit cards, debit cards, micro-credit loans, joint guarantee loans, housing mortgage loans and so on. . . . . Application procedure: 1. To apply for a loan, you should specify the basic information such as the purpose of the loan, the loan amount, personal property (enterprise: company's operating conditions), service period, loan type selected, collateral, repayment ability, etc. 2. loan investigation after receiving the application, the commercial bank began to conduct a basic investigation on your loan situation. The principle here is to evaluate the loan risk based on your willingness and ability to repay. And whether the financing industry involved meets the national requirements. For example, in 2008, if real estate developers raised funds, the state had corresponding regulations prohibiting commercial banks from providing such loans. There are also illegal companies that cause serious pollution and damage the ecological environment, and commercial banks are prohibited from lending. 3. After a comprehensive review of the loan, after the bank has sufficient funds, it can sign a contract (guarantee mortgage), go through the loan-related procedures and obtain funds after being approved by the corresponding bank management department. Ask the staff for details. 4. Post-loan investigation After the borrower obtains the loan, it mainly investigates whether the funds are used according to the prescribed purposes, as well as the borrower's cash flow and operating income. If the loan is not used for the specified purpose (the purpose stated by the borrower when signing the contract), the bank may have the right to terminate the contract and recover the loan in advance, or raise the loan interest rate, which is called "misappropriation". 5. If the borrower repays the loan within the specified date, no penalty interest will be charged. If the loan is repaid after the loan date, the loan interest will generally rise by 50%. When signing a contract, the borrower will settle interest on a monthly, quarterly or annual basis, or repay the loan in installments. In general, the basic loan process is over. In particular, if there is no regular repayment, banks will generally collect assets within 30-60 days through legal procedures, and all expenses will be borne by borrowers. Some banks don't have detailed internal processes, so they don't need to know the borrowers who need loans. Please forgive me if some useful words are wrong.