Mortgage loan, working-class consumer loan, corporate loan, credit loan, etc. There are many loan models and ways. So, can the company borrow money? No doubt, yes, but what are the conditions for a company to borrow money? First of all, you can't apply for business loans, but a business license of more than one year is a prerequisite for company loans.
For the level of modern economic development, there are many loan methods, such as housing mortgage loan, mortgage loan, working-class consumer loan, company loan and credit loan. There are many loan models and ways. So, can the company borrow money? No doubt, yes, but what are the conditions for a company to borrow money? First of all, you can't apply for business loans, but a business license of more than one year is a prerequisite for company loans. Let me tell you more about it.
Can the company get a loan?
You can't apply for a commercial loan because a business license is generally required for more than one year. In addition to the business license, you need to provide your personal ID card and bank account number. The bank should have been running for more than six months.
What are the requirements for company loans?
Application conditions
1. China citizens with full capacity for civil conduct (excluding Hong Kong, Macao and Taiwan residents), including individual industrial and commercial households, major partners or major natural person shareholders of sole proprietorship/partnership/limited liability companies, etc.
2./kloc-over 0/8 years old and under 60 years old, with a fixed residence, permanent residence or valid residence certificate within the jurisdiction of the branch;
3. The borrower and its business entity have good credit and stable operation;
4. Other conditions stipulated by relevant banks.
Application material
1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;
2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;
3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in business units, rental income, deposits in ICBC or other banks in the last six months, national bonds, funds and other general financial assets certificates. ;
4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;
5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.
6. If the loan is secured, relevant information of the guarantor shall be provided;
7. Other information required by the bank.
Can the company get a loan? I explained to you in detail above, what are the requirements for company loans. First of all, if the company is established for business and the business license is more than one year, the company is the bank running certificate of the public water or the personal conditions of the company as a legal person. I gave my friends a detailed list of the specific information they needed, such as the company legal person and business license, as well as the proof of industrial and commercial registration, which are all essential. Next, it depends on how to borrow money.
I am a shareholder of a company. Can I get a credit loan? What company information do you need?
I can't get a business license, and the shareholders' meeting will approve my loan.
But there's still trouble. You collectively in the name of the company. If the company has already made a loan, it will be difficult to achieve it. This is just a small personal loan.
Even if I use the money myself, I need 400 thousand. The company can provide me with a business license.
Then there is no problem. There are so many acquaintances in the bank.
Ok, thank you.
Third, do bank loans need guarantees from legal persons and shareholders?
Banks can also use mortgages and credit to bring loans, but shareholders cannot be guarantors.
I am a shareholder of a company. Can I get a credit loan? What company do you need? ...
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