Subjectivity of law: it takes at least one year for a company to register before it can lend money. Because you have to have a financial report for the fiscal year, and you have to make a lot of money to apply. It also has a lot to do with the scale of operation, business characteristics, capital cycle and whether there is guarantee.
Second, how long can the company borrow money?
The following conditions must be met: 1, and the credit records of enterprises and individuals are good. When banks apply for enterprise credit loans, both enterprises and applicants are required to have good credit records. 2. The applicant enterprise has been established for three years. Enterprises applying for credit loans have been established for a short period of time, and they cannot apply for enterprise credit loans for less than three years. 3. Invoicing (VAT invoice), annual report for two years, monthly report for the latest month, and invoice information for the last six months. 4. The enterprise is in good operating condition. Enterprises applying for credit loans can only apply if they are in good operating condition and have the ability to repay the principal and interest. 5. The income of the enterprise for half a year is about 6.5438+0.5 million. To apply for enterprise credit loans, the bank requires the income of the applicant enterprise to reach about 6.5438+0.5 million. 6, corporate debt does not exceed 60% to 70%. The debt ratio of enterprises applying for credit loans should not be too high. If the debt is high, banks will question the repayment ability of enterprises, which may lead to the inability to apply for credit loans.
Third, how long can the provident fund borrow money to buy a house?
How long does it take to pay the provident fund?
1. If the unit pays the housing provident fund, it can only use the housing provident fund loan to buy a house after months;
2. If an individual pays the housing accumulation fund, it takes 1 year to pay it in full.
Employees who have paid the housing provident fund in full for more than 6 months in a row can apply for housing enterprises to pay the housing provident fund in different places and pay it in the current deposit place for less than 6 months. The payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
Specific extraction process of provident fund:
1, I need to apply to the provident fund center. I provide a copy of my real ID card and provide relevant supporting materials to the unit as required. After verification by the unit, fill in the Application Form for Housing Provident Fund Extraction and affix the reserved seal;
2. With personal documents, application forms and corresponding supporting materials, go to the housing provident fund management department where the employee originally paid the provident fund to open an account;
3. After reviewing the materials provided by the employees, the staff will extract and review the employees, print the acceptance receipt, and then submit it to the employees for confirmation, and hand over the copy of the acceptance receipt 1 copy and the original supporting materials to the employees;
4, the extraction of housing provident fund into the employee's own housing provident fund joint card savings account.
Legal basis: Article 5 of the Regulations on the Administration of Housing Provident Fund.
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
4. When is the approval time of CCB's operating loan?
1, the basic need for loan approval is about 10 working days. Different loan methods have different approval times.
2. If the loan has not been approved, please go to the bank in time to check whether it is a lack of parts or a problem with qualification. If the loan is not approved, it may be that the bank loan balance is insufficient this month and it will be arranged for next month.
3. The approval time of online banking loan depends on the materials prepared by the applicant and my economic situation, and the loan application business is also different. Under normal circumstances, if you apply for an ordinary online banking loan, you can repay it within one month at the longest. If you are in a hurry, you can call the bank appropriately to urge it.
4. Different loan methods also mean different audit methods, and the audit time still needs to be consulted clearly to avoid delaying the loan time.