You can't.
Because the sales contract can be your "loan reason", but it cannot be your "loan certificate".
Usually, the proof of enterprise loan can be: business license (it needs to reach a certain number of years and meet the standard of public water and public tax payment), factory building, land or equipment (it can be used as mortgage loan or credit loan, and it usually needs capital verification by authoritative departments).
For example, if you use factory equipment as a "voucher" to borrow money from a bank, the bank will ask you what the reason is after a series of audits and capital verification. At this time, you can say that signing a contract occupies funds (enterprises) and you need to issue your sales contract to the bank for verification. Because if your loan is used for buying a house, trading stocks or investing, the bank will not approve it. You should understand this time.
Of course, different banks in different regions have different requirements for loan qualifications, but as far as I know, a simple sales contract can never be used as a "voucher" for loans.
How to borrow a company mortgage loan?
What are the procedures and conditions of company mortgage loan?
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
I signed a sales contract with a company, and the contract amount is very large. I don't have enough free funds. Can I get a bank loan with this contract?
First of all, if you are a foreign trade enterprise and your counterparty is an overseas enterprise, it is actually very simple to start trade financing. According to your sales contract, apply to the bank for trade financing credit, and the credit line is determined according to your contract amount. The loan process is relatively simple. Submit your application for trade financing to your main trading bank, and then provide various documents and certificates according to the requirements of the bank. Finally, the bank will provide you with the funds you need and supervise the whole transaction process. After your funds are withdrawn, the bank will automatically deduct them from your account.
If you are a domestic trade enterprise and your opponent is also a domestic trade enterprise, you can apply for a working capital loan, apply to your main trading bank, explain the loan purpose and repayment plan, and the bank will investigate your opponent. If your enterprise has sufficient financing channels, strong repayment ability and no record of default, then you can naturally get this loan.
In both cases, you need your contract, but it is also an indispensable and important document, such as basic information. If you have any questions, please feel free to communicate.
Mortgage a loan to a bank with a sales contract
It's just a mortgage loan. There is a contract-three pumps are used as collateral, and the bank gives the seller the full amount. You give the bank a certain amount of money every month.
30% down payment, 70% loan, monthly repayment.
What are the requirements for a company to apply for enterprise mortgage loan?
I. Basic conditions for applying for enterprise mortgage loans:
1, with business license, tax registration certificate, code certificate and so on. 2. Have a loan card issued by the People's Bank of China, and have no bad credit record. 3. The registered business of the company is over 1 year, and the annual turnover in the latest year is more than 3 times of the loan amount. 4. Materials to be provided for applying for enterprise mortgage loan:
Second, the basic information of the enterprise:
1. Business license, organization code certificate, tax registration certificate, account opening permit, enterprise ID card, and loan card for capital verification report of articles of association (double-sided copy). 2. Resolutions of the board of directors (shareholders' meeting, shareholders' meeting). 3. Business qualification/qualification certificate (not required).
Third, the enterprise financial information:
1, tax payment certificate. 2. The company's financial statements.
Fourth, business information:
1, bank statements for the past six months. 2. Several major invoices of the enterprise within half a year.
Verb (abbreviation for verb) mortgage information:
1, mortgage guarantee: property right certificate Personal requirements: household registration book, marriage certificate. 2. Original bank mortgage loan contract (no need to provide it, there is a mortgage arrangement to mortgage in advance). 3. Letter of authorization for credit inquiry. 4. Other information deemed necessary by the Bank.
Finally, when choosing loan products, please try to choose loan products of big brands, with transparent interest and fees, and at the same time ensure the security of your information. "Qianhua" is the original Baidu financial credit service brand (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000.
So much for the company's sales contract and mortgage loan introduction.