What are the loan conditions for enterprises in Xinxiang, Henan Province?
I. Requirements for the Borrower
Enterprise loans are generally applied to lending institutions by business owners or legal persons. Usually, the borrower is required to have a good personality, mainly good credit, no expiration in the last six months, and no major bad credit record. Married people also need to check their spouses' credit.
In addition, there is an age limit, which generally requires people to be 25 to 65 years old. It is very important to have rich experience.
Second, the requirements for enterprises
1, with business qualification. This industry conforms to the national industrial laws and regulations. To obtain a business license approved and registered by the administrative department for industry and commerce or the competent department, it is necessary to provide credit code certificate, official seal, corporate seal, financial seal, tax registration certificate, capital verification report, articles of association, loan card, etc. , and have a fixed place of production and business operation in the local area, with a business life of not less than 2 years.
2. Pay taxes in good faith. Generally speaking, we can judge the enterprise's credit from the enterprise's tax payment certificate, and we can also understand the enterprise's profit from the tax payment. Usually, enterprises are required to pay taxes continuously for more than two years, the tax amount cannot be zero, and the tax level is not lower than m, etc. And there can be no tax evasion for half a year.
3. profitable. Enterprises should have a sound management system and financial management system, but also operate legally. What is important is that the product has a market, benefits and profits. After all, only in this way can they have the money to repay the loan.