500- 1 ten thousand.
Requirements: It must be established with the approval of the State Administration for Industry and Commerce, registered, obtained a business license, independent economic accounting, independent operation, self-financing, the ability to repay the principal and interest on schedule, a certain amount of self-owned funds and product market, and the production and operation need to be profitable and law-abiding. It is required to open a basic account in a bank with a general deposit account, and the asset-liability ratio must meet the requirements of the bank.
Matters needing attention in enterprise loans
It should be noted that general enterprises need a large amount of funds. Enterprises mainly want to obtain large loans smoothly, and it is best to provide collateral that meets the requirements to lending institutions.
When applying for a loan, business owners must determine the amount and duration of the loan according to their own actual conditions, so as to avoid unnecessary troubles caused by failure to repay in full and on time. Enterprises that want to apply for loans need to have a business license, operate for more than one year, and provide an average monthly operating flow within a certain period, otherwise it will be difficult to obtain loans smoothly.
Can the company get a loan? What are the requirements for company loans?
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.
What information and procedures does a company need to provide when applying for a loan from a bank?
Application materials:
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
operation flow
1. The borrower applies for a loan and submits relevant materials.
2. After approval, the borrower and the guarantor sign a loan contract and a guarantee contract with the bank.
3. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
4. The borrower repays the loan principal and interest on schedule.
5. When the loan is settled, the withdrawal formalities shall be handled as required.
Enterprise loan: depending on the specific business situation of the enterprise.
Loan amount: 654.38+0-20,000; loan time: 654.38+0-3 years; loan interest: about 5 Li per month.
Loan requirements: It must be a small and medium-sized enterprise registered in China, with good operating conditions and no bad credit record.
Extended data:
Generally speaking, the bank's credit to enterprises mainly examines four aspects:
1, bank credit
Including settlement credit and loan credit:
Settlement credit refers to the normal cash settlement of the enterprise applying for a loan, and there are no bad records such as violation of settlement discipline, refund, bill refund and fine.
Loan credit means that the enterprise applying for a loan has a good willingness to repay, has borrowed from the bank, and has no insolvency such as loans overdue and interest default.
In particular, the boss must pay attention to finance personally. Some enterprises forgot the repayment date because of a moment's negligence. Once the repayment period has passed, it will become overdue and become the "blacklist" of the banking system (Shanghai's banking system is networked).
You are suddenly "dark", and the whole city knows. Even if you think about it the next day, it's hard to ask for a rain check. Even if the president wants to help you, there is nothing he can do. Remember: it is not difficult to borrow again after borrowing and returning!
2. Commercial credit: The enterprise applying for loans can abide by the promises of the merchants and will not breach the contract in the performance of the contract and the settlement of accounts payable and debts.
3. Financial credit: accounting settlement is standardized, accounting statements are authentic, assets are true, and there is no fraud such as cash withdrawal.
4. Tax credit: the enterprise can pay the tax payable on time, and there is no bad record such as tax evasion. The above are the four principles for banks to inspect the creditworthiness of borrowing enterprises.