Enterprise loan conditions
1. Industry restrictions of borrowing enterprises. If an enterprise wants to apply for a loan from a bank, the first condition it must meet is that it cannot be in those industries prohibited by the bank, including: real estate development, intermediary, entertainment and industries with high pollution and high energy consumption;
2. Borrowing enterprises basically need to provide guarantees, which generally include credit loans, mortgages (mostly real estate) and pledges (various negotiable instruments or securities). ), loans guaranteed by third-party guarantee companies, multi-household joint guarantee (joint responsibility system);
3. The credit requirements of enterprises generally include bank credit, commercial credit, financial credit and tax credit.
4. Enterprise information inspection needs to provide legal and effective business license, tax registration certificate, proof of business premises, the identity of the actual controller or main operator of the enterprise and other information;
5. The operating conditions of enterprises, banks need to examine the operating conditions of enterprises applying for loans; Therefore, it is generally required to provide the financial statements for the last three months, the bank flow for the last six months, the annual audit for the last two years and other information that can prove the good operation of the enterprise.
2. What are the conditions for Industrial Bank's loan?
1. A citizen of China who has a fixed residence at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have the ability to repay the loan on schedule.
3. Have a good credit record.
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. The route complies with relevant regulations;
6. Other conditions stipulated by the bank.
Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some certificates that can increase your credit. The higher the credit accumulation, the larger the loan amount.
Extended data
Relevant laws of the Interim Measures for the Administration of Personal Loans:
Article 20 The lender shall, in accordance with the carefully standardized examination and approval operation procedures, clarify the loan examination and approval authority, separate the loan examination and approval from the authorized examination and approval, and ensure that the loan examination and approval personnel independently examine and approve the loan according to the authorization.
Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract, and go through the mortgage registration formalities at the department specified by the local people's government at or above the county level before the loan, and the contents of the mortgage registration formalities shall be determined according to the regulations.
Twenty-first mortgage period, the borrower insurance; During the insurance period, if the borrower's fault causes damage beyond the scope of insurance liability, the loan should be used.