Investing money in a loan company is usually an investment method, and the income of investors usually comes from the interest earned. Interest is calculated according to the amount of funds invested by investors, interest rate and loan term. Lending companies generally publish the loan demand on the platform, and investors can choose to lend some funds and choose the loan period and interest rate, and then wait for the borrower to repay.
Specific interest rules, repayment methods and risk management measures may vary from platform to platform. When making this kind of investment, please be sure to understand the specific operating rules, risk warning and supervision of the platform, and pay attention to rationally diversifying investment risks. In addition, we must abide by relevant local laws, regulations and disciplines to avoid illegal operations and transactions.
Second, how much can the company borrow?
The company has been operating for more than 1 year, with the highest operating condition, and the income of enterprise credit loans is 50. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan.
Some commercial banks and lending institutions can even borrow 30 million yuan, but not every enterprise can borrow such a high amount. The amount of operating loans is generally the responsibility of the branches of commercial banks.
Generally speaking, the branches of commercial banks are based on the local credit market and the risk control ability of branches.
Calculate the loan amount according to the actual level, cash flow and asset status.
I. Application conditions
In line with national industry and industry policies, not high.
The enterprise has a good reputation in various commercial banks and has no bad credit record;
Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection;
Having the necessary organizational structure, business management system and financial management system for legal operation, and the products.
Have the ability to perform contracts and repay debts, have a bad credit record, and credit asset risks are classified as normal or abnormal.
Above the operator or actual controller of the enterprise, the quality is good and there is no abnormality.
The operation of the enterprise is stable, the establishment period is 2 years in principle (inclusive), and the sales revenue growth and gross profit are positive for 2 consecutive years;
In line with the establishment of small businesses.
Abide by national financial regulations and policies and relevant bank regulations;
Open a basic settlement account with the applicant bank, or
Second, the application materials
Basic information of the company
1. Business license, organization, 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
4, nearly six months of tax bills, signed purchase and sale contracts (
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, personal assets, such as real estate, cars, stocks,
6. Personal bank flow in the past six months or a year.
Three, personal loans need to meet the basic conditions are as follows:
1, at least 18 years old, and with full civil and identity certificates;
2. Have a stable legal income and proof, and repay interest.
3. When the loan business needs a down payment, it has the ability to pay the full down payment.
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Meet the requirements of banks
3. My family keeps the money in the loan company because the money is a bank loan. Now I can't stand it. ...
There is still hope, so we have to sleep on the street.