Enterprise loan conditions are as follows:
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, a fixed foundation and business premises, and legal and marketable products.
Field and benefit;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, and have no bad credit record;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise is stable in operation, established for more than 2 years in principle, with at least one or more financial reports for one fiscal year, and sold for 2 consecutive years.
Sales revenue growth and gross profit are positive;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
What are the requirements for business loans?
The so-called operating loan is a loan issued by a bank to an enterprise as a legal person for operating the company's working capital. The service targets are mainly small and medium-sized enterprises that temporarily fail to meet the bank loan access standards due to factors such as irregular financial management and substandard credit rating, but are in good operating condition.
1. Enterprise loan conditions
(1) The borrower has a fixed residence, permanent residence or valid residence certificate.
(2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan.
(3) Having a valid business license and legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has a good performance.
(4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule.
(5) Having no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by the bank.
(6) Other conditions stipulated by the bank.
2. The borrower shall provide commercial loan information.
(1) ID card, household registration book and marriage certificate of the borrower and spouse (if single, unmarried certificate shall be issued at the Civil Affairs Bureau).
(2) proof of assets (such as real estate, cars, etc.). ).
(3) Proof of repayment ability such as personal or family income and property status.
(4) Business license, tax registration certificate, organization code certificate, articles of association, etc.
(5) Financial statements and tax returns for the last six months.
(6) Other information required by the bank.
3. The maximum loan amount of an enterprise is 70% of the appraised value of loanable assets.
4. The term of enterprise loan stipulated by the bank is 1~3 years.
The enterprise loan interest rate is now the bank loan interest rate stipulated by the bank.
6. Repayment methods of enterprises
(1) If the loan term is within 1 year (inclusive), the repayment method of monthly or quarterly repayment of interest or one-time repayment of principal can be adopted.
(2) If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest monthly or according to the average capital.
7. Enterprise loan process
(1) The borrower applies for a loan at the bank with relevant information.
(2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion.
(3) With the approval of the internal review of the bank, both parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties sign the contract.
(4) The Borrower handles the mortgage registration and other relevant procedures agreed in this Contract.
(5) After the mortgage registration is completed, the relevant information will be handed over to the bank for lending.
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Operating loan application conditions
What are the specific conditions for applying for a venture loan?
1. The applicant is a natural person with full civil capacity, such as a self-employed, a major partner of a sole proprietorship enterprise/limited liability company or a natural person shareholder.
2. The applicant is between the age of 18 and 60 years old, has a fixed residence at the location of the loan bank, and can provide permanent residence or valid residence certificate.
3. The borrower and the operating entity enterprise have no record of non-performing loans in banks or small loan companies. For example: ① No more than three overdue records in the last 24 months, and each overdue time is no more than 90 days; ② The lending bank has no overdue loans; (3) Without the deposit, the guarantor will compensate; ④ Not on the blacklist of CBRC.
4. Other conditions: ① The borrower (or spouse) is the actual owner of the business entity; ② The enterprise was established with the approval of the administrative department for industry and commerce and passed the annual inspection; (3) Having a fixed business place and standardized company management; (4) Normal operation 1 year or more, no tax evasion, no bad credit record; (5) It can provide legal collateral recognized by the loan bank.
Personal commercial loan submission materials
1. Proof of residential address (not the account where the loan bank is located);
2 after the annual inspection of the business license, tax registration, articles of association and other materials, special industries, but also need to provide a special industry business license;
3. Detailed address and proof of property right of the business place;
4. Proof of income or personal assets;
5. Water and electricity payment list;
6 audited financial statements and tax payment vouchers;
7. Agreements or contracts related to the purpose of the loan;
8. Other materials required by the bank.
What are the basic conditions for a company loan application?
1. The applicant company must be established, registered and hold a business license with the approval of the State Administration for Industry and Commerce;
2. The applicant company has the right to independently engage in production, loan product circulation and other business activities, have independent operating funds, independent financial plans and accounting statements, rely on its own income to compensate expenses, independently plan profits and losses, and independently sign purchase and sales contracts;
3. The applicant company has certain self-wealth;
4. The applicant company shall abide by policies and regulations, bank credit and settlement management regulations, and open basic account and general deposit accounts in the bank as required;
5. The products produced by the applicant company have a market;
6. The production and operation of the applicant company should be profitable;
7. The applicant company has not misappropriated credit funds;
8. The applicant company keeps its credit;
What are the conditions for operating a loan?
1. The applicant can be an individual customer, an enterprise legal person, an enterprise owner or any other organization that can act as a borrower as stipulated by the state.
2. The borrower should be at least 18 years old, have full capacity for civil conduct, and hold legal and valid identity documents.
3. The borrower has a good credit status, a stable source of income, and a good willingness and ability to repay.
4. Having a fixed residence and business premises in the local area, being able to provide local household registration or residence permit and business license, and operating normally at present.
5. It may be necessary to provide certain mortgage guarantee, such as real estate. Of course, some commercial loans are purely credit applications.
6. Other conditions stipulated by the lending bank.
It is suggested to consult the loan bank in advance, prepare the information needed for loan operation, and then apply for submission, wait for the bank to investigate and review, and sign the loan contract. If there is a mortgage guarantee, you need to register the mortgage, issue the loan and repay the loan on time.
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