What conditions do companies need to borrow from banks, and what materials do SMEs need to prepare for loans?
Business loan requirements are as follows:
Enterprises need to open a basic account in the loan evaluation bank and have a certain settlement amount; The enterprise has been established for more than one year and has a legal and valid business license and a fixed business place; The borrowing enterprise and enterprise legal person have good credit; The enterprise continues to operate normally and has good income and repayment ability; The invoice amount in the last six months is not less than 6.5438+0.5 million, and the irradiation rate of the enterprise is not more than 60%; It is enough to provide collateral recognized by the bank as collateral (usually real estate as collateral).
Enterprise loan procedures and processes
If the enterprise meets the loan conditions, it can choose the loan application bank and then submit the loan application. The materials to be prepared include the basic information on the identity of the enterprise legal person or operator, the basic information of the enterprise, the information on the development of the enterprise and the explanation on the purpose of the loan.
After receiving the loan application information, the bank will investigate and accept it. The main investigation direction is the credit status, operation status and loan use of enterprises and corporate. After the loan is approved, the bank will call the enterprise to reconfirm the loan amount, loan term and loan purpose. After confirmation, both parties sign a loan contract.
After the loan is issued, the enterprise can repay the loan on schedule according to the time agreed in the contract.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Three, "new one loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.
The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Ping An Xin Yi Dai Click Online Measurement
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
The loan shows that the application has been accepted. What do you mean?
The loan shows that the application has been accepted, indicating that the lending institution has received the loan information submitted by the user and accepted the user's loan application. At this time, it has not yet entered the audit stage, and the lending institution will first sort out the loan information. After completion, it will enter the review stage, and the loan process will become under review.
After the approval, the lending institution will arrange the funding work soon, but the approval is not passed, which means that the loan application is rejected.
What process does an enterprise need to borrow from a bank? What should I pay attention to in loan approval?
Different banks and different types of enterprise loans have different processing conditions and required information, which shall be subject to the actual requirements of the loan handling bank. When a company borrows money from a bank, it may involve the following information:
1, enterprise business license (original and copy);
2. Tax registration certificate (original and photocopy);
3 organization code certificate (original and copy);
4. Capital verification report (printed by the Industrial and Commercial Bureau);
5. Articles of Association (printed by the Trade and Industry Bureau);
6. Bank account opening license;
7. Bank loan card and password (copy the front and back of the loan card);
8, special trade business license;
9. ID cards, household registration books and marital status certificates of the legal representative and shareholders (ID card of the actual controller of the enterprise and relevant certificates of the current residence address of the legal representative or actual controller of the enterprise);
10. Resumes of the company's legal representative and shareholders.
Tips: The above explanations are for reference only.
Reply time: 202 1-08-27. Please refer to the latest business changes announced by Ping An Bank in official website.
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What is the application process of bank enterprise loan? There are six steps!
Whether small or medium-sized enterprises or private enterprises, in order to meet the needs of production and operation, they often have to find ways to raise funds. It is a good choice to borrow money from the bank, so how to apply for it? Today, let's introduce the application process of corporate loans.
I. Loan application
If an enterprise needs a loan, it should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide information.
Second, banks are subject to censorship.
1. The bank verifies the customer's situation and judges whether it has the conditions to establish a credit relationship according to the bank loan conditions.
2, according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, to assess the borrower's credit rating.
3. Investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Third, sign a loan contract.
After reviewing the loan application, the bank considers that the borrower meets the loan conditions and agrees to the loan, and signs a loan contract with the borrower. The loan contract shall stipulate the type, purpose, amount, interest rate, term and repayment method of the loan, the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed.
Four. offer loans
The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages.
Verb (abbreviation for verb) Post-loan inspection
After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.
Intransitive verb loan repayment
The borrower shall repay the loan principal and interest in full and on time according to the provisions of the loan contract, and go through the withdrawal procedures according to the provisions.
How to apply for a corporate loan?
① Customer groups: limited companies or wholly-owned enterprises aged 24-65 who have been established for more than 6 months and have complete three certificates.
company representative
(2) Income requirements: the monthly income is more than 30,000 yuan, and it is necessary to provide personal or company running water in the past six months.
③ Credit status: no bad default record.
④ Other conditions: local real estate.
⑤ Other restrictions: entertainment, steel trade and other high-risk industries are not allowed to enter.
First, the enterprise loan application materials (legal person)
① Business license (original and photocopy) that has passed the annual inspection.
② Valid identity documents of the legal representative and spouse.
(3) The financial statements and bank accounts are flowing.
④ Collateral ownership certificate
⑤ Other materials required for handling loans.
2. Enterprise loan refers to a loan granted by an enterprise to a bank or other financial institution in accordance with the prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Third, credit loans.
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.
1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).
2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).
3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).
Four. fixed assets
Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.
According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:
1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. Capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects and restoration and reconstruction projects.
2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.