Generally speaking, newly established enterprises are not allowed to lend, because corporate loans usually require borrowers to be established for more than two years and have annual financial statements. Of course there are exceptions. If the lending enterprise has assets that can be used for mortgage, or if other enterprises provide bank-approved guarantees for the borrowing enterprise, both cases can be loaned.
Can the new company get a loan?
Yes, you can. At present, many banking institutions accept corporate tax payment, invoiced sales, guarantors, running water and credit as vouchers, so long as they meet the requirements of banks, they can pay quickly.
Extended data:
If the "software" does not meet the requirements, you can apply for corporate loans with your own assets, and the success rate will be higher.
1, personal business loan
This refers to the mortgage of real estate (houses, shops, office buildings, etc.). ) provided by a legal person, shareholder or a third party, it can be used as collateral to apply for a relatively high loan from a bank financial institution. Such products are generally used for enterprise liquidity, and loan liabilities are recorded in the name of individuals and are not included in enterprise liabilities.
Loan term: 1~20 years
Loan amount: if commercial housing is used as collateral, the maximum amount is 70% of the appraised real estate price, and the maximum amount for shops, offices and villas is 60%. Generally, the total amount of banks is controlled within100000.
Annual interest rate of loan: As long as the personal qualification is good and the assets meet the requirements, you can generally apply for a loan of about 5% at least, but it is generally about 8%, subject to the bank standard.
2. Enterprise mortgage loan
The personal mortgage loan just introduced here refers to the real estate in the name of a company or legal person, shareholders or a third party, such as houses, shops, office buildings, factories, etc., and applies for loans from banks. , as collateral, included in corporate liabilities.
Loan term: 1~20 years
Loan amount: similar to operating loan.
Annual loan interest rate: about 8%
3. Other mortgage loans
In addition to the above two common loan methods, there are also equipment financing lease and accounts receivable pledge. You can go to banks and financial institutions to find out.
How to borrow corporate tax loans;
Corporate tax loans are loans provided by banks for enterprises and tax matters. To apply for corporate tax loans, business owners must first choose a bank, and then prepare personal ID cards, personal assets certificates, business licenses, organization code certificates, tax registration certificates, tax bills, corporate bills, financial statements and other materials to apply for loans at business outlets in accordance with bank regulations.
After receiving the application form at the counter, fill in the relevant information of individuals and enterprises, as well as the amount and time limit of the application. After confirming that the information filled in is correct, submit the application form together with the information to the staff.
After receiving the borrower's application, the bank will evaluate and review it according to the information submitted by the borrower. If approved, the borrower will sign a loan contract with the bank, and then the bank will transfer the loan funds into the account opened by the borrower in the bank according to the prescribed articles of association. After that, the borrower only needs to repay the loan principal and interest on schedule according to the repayment plan agreed in the signed contract.
Can a newly established company get a loan?
It is generally difficult for newly established companies to obtain loans. After all, many banks require enterprises to operate for more than two years before applying for loans, and some lending institutions will provide loan services at least one year after the company is established. This is not absolute. After all, banks and lending institutions pay more attention to the company's repayment ability, profitability, development space and so on, rather than the company's operating years.
If the company has some good development projects, or can provide land and real estate as collateral, or a well-qualified third party provides guarantee, even if it has just been established, it may not be able to get loans.
Even if you meet the company's operating life, you may not be able to get a loan smoothly. Because banks and lending institutions will also have certain requirements for other aspects of the company, such as the need for the company to provide financial reports in recent years, requiring the company's sales revenue growth and gross profit to be positive, the company is not in a high-pollution and high-energy-consuming industry, and the borrower has certain assets and good personal credit.
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
In view of market changes and customer characteristics, actively innovate financing schemes for small and micro enterprises. CreditEase Company took the lead in launching an innovative business-Cheyi Loan, which effectively broadened the financing channels for small and micro enterprises and helped enterprises solve the financing problem.
In China, banks generally do not provide automobile mortgage services, so it is generally necessary to find private professional credit institutions to apply for such services. The "easy car loan" service in car mortgage is a short-term microfinance service for small enterprises, individual merchants and entrepreneurs. The "Easy Car Loan" credit service launched by CreditEase Company has the advantages of high approval amount, flexible loan term, simple and fast procedures, no pre-loan fees, and thoughtful service.
Can a newly registered company get a loan? These problems should be paid attention to.
Nowadays, loans are a very common thing. If the funds are not very large, netizens will choose, but if it is a large loan, it is safer to find a bank loan. So can a newly registered company get a loan? I believe many netizens want to know, these problems should be paid attention to, let's take a look!
First of all, newly registered companies can also borrow money, but there are several kinds of corporate loans. The first is enterprise credit loans, the second is corporate mortgage loans, and the third is personal business loans. The conditions of these three kinds of loans are different, and netizens should first find out what kind of loans their companies meet before lending.
Moreover, the amount of these three loans is different, but the amount is generally determined according to the company's situation. For example, personal business loans need to be mortgaged by real estate such as houses and office buildings, and the total amount of banks will be controlled within10 million. The above is the basic news of the loan, and I believe netizens have a better understanding.
Can I get a loan for a new company? Let's stop here.