Enterprise loan application conditions:
Enterprises need to open a basic account in the loan evaluation bank and have a certain settlement amount; The enterprise has been established for more than one year and has a legal and valid business license and a fixed business place; The borrowing enterprise and enterprise legal person have good credit; The enterprise continues to operate normally and has good income and repayment ability; The invoice amount in the last six months is not less than 6.5438+0.5 million, and the irradiation rate of the enterprise is not more than 60%; It is enough to provide collateral recognized by the bank as collateral (usually real estate as collateral).
Enterprise loan procedures and processes
If the enterprise meets the loan conditions, it can choose the loan application bank and then submit the loan application. The materials to be prepared include the basic information on the identity of the enterprise legal person or operator, the basic information of the enterprise, the information on the development of the enterprise and the explanation on the purpose of the loan.
After receiving the loan application information, the bank will investigate and accept it. The main investigation direction is the credit status, operation status and loan use of enterprises and corporate. After the loan is approved, the bank will call the enterprise to reconfirm the loan amount, loan term and loan purpose. After confirmation, both parties sign a loan contract.
After the loan is issued, the enterprise can repay the loan on schedule according to the time agreed in the contract.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
360 IOUs, with a maximum loan of 200,000!
Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.
The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Second, how to handle enterprise credit loans in Beijing? I want to borrow some money, because the workers in the factory need to invest. ...
Enterprise credit loans's application conditions
(1) First, if the credit rating of corporate customers is above AA- (inclusive), credit loans can be issued with the approval of provincial branches of state-owned commercial banks;
(2) Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio has been controlled in a good range of 60%, and the cash flow is sufficient and stable;
(3) Third, the enterprise promises not to mortgage (pledge) or provide external guarantee for others with its effective operating assets, or obtain the consent of the loan bank before handling the mortgage (pledge) and providing external guarantee;
(4) The operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.
Loan application address:
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Three. Operating loan policy 202 1?
ICBC:
Basic policy: the newly registered enterprise reaches 1 year or the acquired enterprise reaches 6 months.
Interest rate: 3.65%
Repayment method: interest first, then principal, up to 3 years.
Advantages: low interest rate, fastest 1 week loan, and fast online loan approval.
China Construction Bank:
Basic policy: the newly registered or acquired enterprise has been over 3 months,
Upper limit of quota: RMB 6,543,800,000.00 Yuan, with no return for three years.
Interest rate: 3.85%
Repayment method: interest first, then principal; Self-employed households have no principal 10 year, and enterprises pay interest first and then repay the principal for 3 years.
Advantages: the interest rate is low, and our customers can accept two credits.
China CITIC Bank:
Basic policy: the newly-added shareholders account for 65,438+00% of the shares, that is, the newly-registered enterprise has reached 3 months.
Interest rate: 4%-4.4%
Duration: 30 years
Repayment method: equal principal and interest, interest first, principal later.
Advantages: The maximum loan for two mortgages is 6,543,800 yuan.
Guangfa Bank:
Basic policy: new registration, the new company needs to be over 6 months.
Interest rate: around 4.75%
Length of service: 20 years
Repayment method: equal principal and interest, one cycle 10 year.
Advantages: the longest house age is 40 years, and the longest suburban property is 25 years.
China Merchants Bank:
Basic policy: It takes 3 months for a newly registered or acquired company to acquire a new property.
Interest rate: 4. 15%-5.2%, implemented on March 1 day.
Line:100000
Enterprise requirements: real operation, can provide running water.
Credit period: 30 years (30 months can be provided for good people and good houses)
Repayment method: equal principal and interest, 10 year cycle.
Minsheng Bank:
Basic policy: 50,000-250,000,
Enterprise requirements: it has been established for more than 1 year, and the actual operation can provide upstream and downstream contracts.
Repayment method: pay interest first, then principal, with equal principal and interest.
Credit period: 20 years,
Loan interest rate: 4%-5.6%
Secondary mortgage: 6,543,800,000 yuan, with interest paid first and principal paid later, with a maximum of 654.38+00 years.
Advantages: The quota is high, with the highest evaluation value of 7.5%, and customers of other banks can offset it twice.
Shanghai Pudong Development Bank:
Basic policy: It takes 6 months for a newly registered company to buy a new house.
Annual interest rate: 4.45%-5.25%
Credit term: 20 years /3 years
Repayment method: equal principal and interest, interest first, then principal.
Advantages: houses, villas, newly registered enterprises, new real estate licenses, 50-year office buildings, shops, apartments, etc. Can be imported.
Industrial Bank:
Basic policy: It takes 6 months for an enterprise to register.
Interest rate: 3.85%-4.35%
Loan amount: 6,543,800+0.2 million.
Credit period: the longest 10 year, with five loan renewals.
Credit information is within the allowable range, and the property rights are clear. You don't need to look at the work unit to know that there is a company under your name. The information is simple and quick.
Everbright Bank:
Basic policy: the new house should be used for 6 months.
Interest rate: 4.35%-4.8%
Line:100000
Length of service: 20 years
Repayment method: equal principal and interest, interest first, and principal after 20 years.
Advantages: the approval speed is fast, and a single set can be approved by 70%.
Bohai Bank:
Basic policy: the enterprise needs 3 months.
Interest rate: 4.5%
Line:100000
Duration: 10 year
Repayment method: equal principal and interest, interest first, then principal.
Advantages: Beijing can handle all mirrors, and a single set can also handle 70%.
Small business credit (guarantee fee 3%)
1. Yunchuang tax loan: the amount is 3 million, and the annual interest rate is 3.85%-4.35%. Requirements: The enterprise pays more than 500,000 yuan in taxes, and the tax level is AB customers, so it cannot sue in the last three years.
2. Enjoy the corporate tax loan: the amount is 3 million, and the annual interest rate is 5.5%-7%. The enterprise is required to be established for more than 2 years, with a turnover of more than100000 and a profit.
3. Real estate plus loans: For enterprises with real real estate business for two years, the maximum commercial loans are 70% and 90% of the houses, with an annual interest rate of 5.5%. After 3- 10 years, you can pay interest in advance, with a quota of 50 million yuan, and you can handle factories, shops and commercial facilities.