How to handle the company's real estate mortgage loan

In practice, if the enterprise owns the property right of the factory building, it can use the pawn loan of the factory building to solve the capital problem. The company's factory buildings can be pawned and borrowed, and the pawned and borrowed factory buildings are loans from banks or lending companies with the company's or individual's factory buildings as collateral. So, what about the company's real estate mortgage? Bian Xiao will tell you.

Company real estate mortgage loan process

1. The borrower consults the bank or loan company that has started the factory pawn loan;

2, the borrower to the bank to submit the required materials procedures, put forward a loan request;

3, the bank sent people to the factory site investigation;

4. Evaluate the value of the pawn factory;

5. The Lender goes through the formalities of pawning the factory building;

6. After the bank's audit, call the borrower to go to the bank to sign a loan contract;

7. Banks issue loans.

What is the process of corporate real estate mortgage loan?

1, company business license;

2. Tax registration documents;

3. Proof of ownership of the pawned property (real estate license);

4. The borrower's identity card or the company's shareholder's identity card, household registration book, marriage certificate and other identification materials;

5. Official seal of the company, financial statements for the last 3 months, and bank running water materials;

6. Factory pawn registration;

7. Factory value evaluation materials issued by the evaluation agency;

8. Other materials of banking rules.

Business Process of Corporate Real Estate Mortgage Loan

1. Request: The company requests for loan guarantee.

2. Inquiry: Inquire about the company's operating status, financial status, pawn property status, tax payment status, credit status and company owner status, and determine whether to guarantee.

3. Communication: communicate with the lending bank to further master the company information listed by the bank and clarify the amount and term of the loan to be granted by the bank.

4. Guarantee: confirm the guarantee and counter-guarantee agreement, property pawn and registration with the company, sign a guarantee contract with the loan bank, and formally establish guarantee contact with the bank and the company.

5. Lending: The bank issues loans to the company on the basis of checking the guarantee and collects the guarantee fee from the company.

6. Investigation: Investigate the use of company loans and the company's operation. After the company pays taxes quarterly, the electricity consumption and cash flow increase or decrease, and directly follow the company's operation.

7. Prompt: Prompt in advance one month before the company repays the loan, so that the company can be prepared to repay the loan in advance and ensure the normal work of the company's capital flow.

8. Exemption: With the company's bank repayment form, it is exempted from the pawn registration and guarantee contact with banks and companies.

9. Record: Record the credit status of this guarantee, which is divided into four levels: normal, abnormal, overdue and bad debts, and list the credit records of subsequent guarantees.

10. Filing: all kinds of agreements signed with banks and companies, as well as the credentials after loan repayment and the credentials without guarantee, should be sorted, filed and stamped to complete the file search.

In this article, Bian Xiao mainly talks about how to handle the company's real estate mortgage loan, and everyone can handle it according to the process as needed.