1. Preparation of loan materials usually includes loan application report, company profile, business license/capital verification report, articles of association, copy of legal representative's ID card, resolutions of the board of directors, loan card, financial statements of the last two years, collateral ownership certificate, evaluation report, etc.
2. To cooperate with the bank's audit and apply for a loan, the bank's pre-loan investigation is an important link. Enterprises should actively cooperate with the bank's pre-loan investigation and post-loan management, provide information in time, resolve the bank's concerns about enterprise management, and reduce their own business risks. In order to strictly control the risk of mortgage loans, banks usually design more detailed loan processes. Through the strict monitoring of the bank's account manager, risk manager, audit manager and background, banks can usually judge the actual operation of enterprises more accurately.
3. Maintain credit records. When an enterprise applies for a loan from a bank for the first time, the bank will carefully examine the credit records of the enterprise and the person in charge of the enterprise, which has an important reference role for the bank's lending. If the enterprise does not pay attention to maintaining the credit record at ordinary times, it may miss the loan at a critical moment because the credit record does not meet the requirements.
Legal basis: Article 395 of the Civil Code of People's Republic of China (PRC).
The following properties that the debtor or a third party has the right to dispose of may be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations.
The mortgagor may mortgage the property listed in the preceding paragraph together.
Article 396
Enterprises, individual industrial and commercial households and agricultural producers and operators may mortgage existing and future production equipment, raw materials, semi-finished products and products. If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the chattel when determining the mortgaged property.