Small and medium-sized enterprises are facing great financing problems this year, and many enterprises need to apply for large loans from bank finance to tide over the difficulties. So how do you apply for a corporate loan? The specific process is like this.
I. Loan application and preparation materials
Enterprises applying for business loans need to apply directly to the host bank or other financial institutions. The borrower needs to fill in the loan application form, including loan amount, loan purpose, proof of repayment ability, repayment method, etc., and provide information.
Two. Acceptance and examination of qualifications by banks
1. The bank will verify the qualification of the enterprise and judge whether it meets the conditions for establishing a credit relationship.
2. According to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects and other factors, evaluate 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.
Three. 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
If the qualification of the borrower meets the requirements of the lender, the lender shall issue the loan on time in accordance with the loan contract. If the Lender fails to issue the loan as agreed in this Contract, it shall pay the liquidated damages. At the same time, if the borrower fails to use the money as agreed in the contract, it shall also pay liquidated damages.
Verb (abbreviation for verb) Post-loan inspection
After the loan is issued, the lender will make a final investigation on the implementation of the loan contract and the operation of the enterprise.
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.
How to handle corporate bank loans? Introduction of enterprise bank loan process
How to handle corporate bank loans? When handling corporate bank loans, we must strictly follow the bank loan process, so as to save time and effort and improve the success rate of corporate bank loans.
Introduction of enterprise bank loan process
1. Establish a credit relationship. The enterprise shall submit the Application Form for Establishing Credit Relationship to the bank in duplicate. After receiving it, the bank will investigate the nature, feasibility, efficiency and capital utilization of the enterprise. After investigating these facts, the bank signed a contract with the enterprise to establish a credit relationship.
2. Enterprises apply for loans. After establishing a credit relationship with a bank, an enterprise may apply for a loan from the bank according to its reasonable capital demand in the course of operation. The loan application form must be submitted when applying, and the bank will review the loan application submitted by the enterprise according to the national industrial policy, credit policy and related systems; Hangzhou enterprise loan
3. The bank conducts loan review. The loan review conducted by the bank usually includes:
Direct use of corporate loans;
(2) The recent operating conditions of the enterprise;
(3) enterprise potential plan, flow plan and its implementation;
(4) the development prospect of the enterprise;
(5) corporate debt capacity, etc.;
4. Enterprises and banks sign loan contracts. The loan contract is a written contract signed by the buyer and the lender, which is an economic contract and can better protect the interests of both enterprises and banks. The contents of the loan contract are generally decided by the enterprise and the bank after consultation, and generally should include the following terms:
① loan type;
(2) the purpose of the loan;
③ loan amount;
(4) loan interest rate;
(5) Term of the loan;
⑥ Sources of repayment funds and repayment methods;
⑦ clause;
8. Liability for breach of contract;
Pet-name ruby other terms agreed by both parties. The loan contract must be signed and sealed by both the enterprise and the bank;
5. Banks issue loans to enterprises. After the enterprise signs the loan contract with the bank, the bank shall fill in the loan notice. After the loan application and loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account. To this end, how to handle bank loans for enterprises is completed.
How can I get a large loan?
The handling methods of large loans are: applying for loans by mortgage of houses; Apply for a large loan by mortgage. Apply for a loan with the car as collateral, and then you can apply for a secured loan to find a friend with a stable income and let him be the guarantor to apply for a loan from the bank.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.
How do enterprises borrow money from banks?
Enterprises can borrow money from banks according to the following steps:
1. Submit a loan application to the bank and complete loan information;
2. Banks accept loans and approve loans;
3. After approval, both parties sign a loan contract, guarantee the original contract and go through the mortgage formalities;
4. After all the procedures are completed, the bank will issue loans;
5. The borrowing enterprise shall repay the loan in full and on time as stipulated in the contract.
Extended data:
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a 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.
Enterprise loan conditions:
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.