Legal analysis: enterprises can only apply for long-term loans if they meet the following conditions:
1. The enterprise is established according to law and has independent legal personality;
2. The purpose of the loan is legal;
3. The enterprise has a good credit, a sound financial management and economic accounting system, and the ability to repay loans.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
2. What are the conditions for enterprises to apply for medium and long-term loans?
Hello!
Collateral, business operation, business process and articles of association are the conditions for bank assessment. The commercial loan products of each bank are different, so you can choose the fixed number of years. How long does medium and long term mean?
If it helps you, please adopt it.
Three, ERP sand table simulation for 6 years, the initial capital of 48M, of which 40 is already a long-term loan. How?
Long-term loan route: abundant cash flow, relatively expanded production capacity, more advertising to ensure orders (this is the core, no orders, waiting for bankruptcy), and establish advantages in the first three years.
Either after the first three years, the opponent died and he made a fortune; Either because the order or production and procurement were not arranged, they were killed by themselves. PS: How dare you! Of course, if you combine long-term loans with short-term loans, you will hardly have short-term loans available, and the expenses in 2003 will definitely make your rights and interests less than 40%.
4. What are the conditions for enterprises to apply for medium and long-term loans?
Hello!
The evaluation of the bank is based on the bank's access to public water and the company's articles of association. The commercial loan products of each bank are different. How long can I choose?
If it helps you, please adopt it.