What are the loan conditions of Xinyang enterprises in Henan Province?
1, requirements for enterprises:
1) The industry to which the enterprise belongs must conform to the national industry and industrial policies, and it cannot be a high-pollution and high-energy-consuming industry, nor can it be an inefficient sunset industry;
2) An enterprise must be qualified to operate, have been established for not less than 2 years, have a sound management system and financial management system, be able to provide effective business licenses to the necessary organizations and industrial and commercial administrative departments, have a fixed business place, and it is important to operate legally and competitively, have a market and benefit for products, and have a positive growth in sales revenue and gross profit for two consecutive years.
3) The enterprise should have a good credit, have a tax payment record of more than 2 years, have a rating of not less than A among all commercial banks, and have the ability to perform contracts and repay debts. The risk of credit assets is classified as normal or non-financial factors, and it is best to provide mortgage, pledge or guarantee recognized by banks.
2. Requirements for borrowers
The operator or actual controller of the enterprise is experienced, with at least 2 years' experience, good quality, good credit, high economic income, sufficient personal property and the ability to repay the loan principal and interest on schedule.
The specific requirements of different lending institutions may be different. You can consult several lending institutions, and then choose the appropriate loan channels and products according to the situation of enterprises.