Check whether there is a loan in the business license. It can be inquired through the national enterprise credit information publicity system. The specific steps are as follows:
1. First, search the national enterprise credit information publicity system through Baidu. After finding official website, click Open;
2. Then, enter the company name or credit code, legal person name, etc. Search in the search box.
You can also go to the local people's bank to print the enterprise credit report for inquiry. Similar to personal credit report, you can query credit records including credit information such as credit card information and loan information. Basic information mainly includes general information, investor information, financial statement information, concern information, litigation information, etc. Credit information includes outstanding credit information, outstanding bad debts and other bank credit information; Non-bank information includes provident fund, telecommunications, social security and other information.
legal ground
Article 7 of the Company Law A company established according to law shall be issued a business license by the company registration authority. The date of issuance of the business license of the company is the date of establishment of the company. The company's business license shall specify the company's name, domicile, registered capital, business scope, name of legal representative and other matters. Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.
How to check whether the company has a loan?
Go to the company's financial office or the bank to inquire.
The most direct way to inquire whether an enterprise has a loan is to look at the financial statements of the enterprise, and remember the assets and liabilities clearly. If the financial statements can't reflect it, you need to check it by checking the People's Bank of China. Prepare the company's official seal, company's three certificates in one (business license) and credit code certificate in advance. Fill in the power of attorney signed by the enterprise legal person and stamped with the official seal, and fill in the application form for enterprise credit report inquiry and stamped with the official seal. Bring the above materials to the credit information center of the local people's bank. The staff will find out all the loan information of the enterprise and print it out for you.
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 directly brings business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials.
Loan (e-IOU credit loan? A simple and popular understanding is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. 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.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles.
How to check whether the company has a loan?
You can go to the enterprise to look at the accounting books, or you can go to the People's Bank of China to check the loan situation of the enterprise in the credit management system. You can inquire about enterprise loan cards through the People's Bank of China.
Where to check the enterprise loan situation, the specific method is:
1. The company fills in the enterprise loan card inquiry application form;
2. Prepare a letter of introduction from the unit, a valid loan card and an ID card of the agent;
3. The agent went to the local branch of the People's Bank of China to inquire. The local branch of the People's Bank of China will make an inquiry on the spot after receiving the inquiry.
Extended data:
Loan conditions of mortgage loan:
1, with legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract;
2. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
3. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years; Can provide effective guarantee recognized by the loan bank.