1. Preparation materials: The materials to be prepared for enterprise loans are divided into main materials and auxiliary materials. The main materials include business license, business license, account opening permit, legal person ID card, loan application, etc. Auxiliary materials need to provide the financial statements, enterprise assets, tax bills and bank statements of the applicant enterprise in the past three years. For enterprise asset mortgage loans, it is also necessary to provide collateral ownership certificate and asset evaluation certificate. 2. Submission of materials and applications: For enterprise loans, you need to submit an application at the enterprise loan window and wait for the approval result after submission. 3. Bank approval: For corporate loans, the bank has strict examination and a set of standard approval procedures. In the audit process, not only will the provided information be verified one by one, but also the quality, economic strength, credit information, development prospects and profitability of the enterprise will be evaluated. Finally, the credit rating is given, and the loan amount and term are verified according to the credit rating. 4. Loan signing: If the application is approved, the bank will inform the enterprise to sign the contract soon, and the agent needs the enterprise to provide the entrustment certificate. The terms of the enterprise loan contract are basically the same as those of the individual loan contract, mainly including the purpose, type, amount, interest rate, term and repayment method of the loan. In addition, it will also indicate 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. After the contract is signed, the bank will transfer the loan to the account stipulated in the contract.
The above is the enterprise loan process, which is basically the same, but the enterprise loan review is more strict. If the business is in good condition and there is no bad credit record, the chances of successful application will be high.
Chuzhou personal loan does not look at credit reporting.
What you want to ask is whether the personal loan in Chuzhou can be read.
Formal lending institutions will definitely look at personal credit information, and institutions that do not look at personal credit information are informal.
Ways to apply for loans:
1. Private lending: Private lending refers to the financing behavior among natural persons, legal persons and other organizations and among them, rather than between financial institutions engaged in loan business and their branches established with the approval of financial supervision departments. Lenders and borrowers only rely on the so-called reputation to maintain, the loan procedures are incomplete, there is no mortgage guarantee, and there is no reliable legal guarantee. Once the situation changes, it may even lead to criminal offences.
2. Bank loan: refers to an economic behavior that a bank lends funds to people in need of funds at a certain interest rate according to the policy and returns them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
3. credit card installment payment
4. Online loan: The diversity of loan channels gives users a variety of choices. Everyone can choose different loan channels according to their specific conditions and needs. There are many loan channels, and it is hoped that borrowers will choose formal channels to prevent being cheated.
Which bank loan in Chuzhou is better?
It would be nice to have Bank of Communications, China Merchants Bank and China Construction Bank.
1. CreditEase has a branch in Chuzhou.
2. The interest rate is very low. If the employer who pays by card is good in nature, he can apply for pleasant loan products. If the salary reflects 1 000 yuan and the credit card is 70,000 yuan, you can apply for 7.8% interest.