Nowadays, more and more consumers borrow money to buy houses and cars, and advanced consumption patterns represent the progress of our society. As the most trustworthy and safest financial institution for consumer loans, banks are naturally favored by consumers. In addition, corporate bank financing loans not only solved the problem of financial difficulties, but also seized the best opportunity to accelerate the development of enterprises. According to market survey data, faced with the problem of "the main financing methods implemented by enterprises in the past three years", some enterprises chose "long-term bank loans". It is conceivable that bank loans are also the main way for enterprises to raise funds. Then, let's get familiar with the conditions of bank loans first, which will help you and your enterprise get loans smoothly.
Conditions for individuals to apply for bank loans
1. The applicant must be a natural person with full civil capacity.
2. Having urban permanent residence or valid residence status requires the borrower to have legal status.
3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.
4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.
5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.
Information to be provided by the borrower:
1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;
Two copies of marriage certificate/divorce certificate or judgment/single certificate;
3 proof of income (in the format stipulated by the bank);
4. Copy of the business license of the unit (with official seal);
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
Conditions for enterprises to apply for bank loans
1. Yes, the loan enterprise must be an enterprise approved and registered by the administrative department for industry and commerce;
2. Enterprises with fixed business premises, necessary business facilities, independent accounting, self-financing, independent operation and independent civil liability;
3. Having a sound financial accounting system, and providing operating instructions and statistical statements to banks;
4. Abide by national laws, regulations and policies and operate according to law;
5. The purpose of the loan is to allow and encourage the development of industries by national policies.
At present, the loans of major banks to enterprises are mainly divided into mortgage loans and credit loans. The former uses fixed assets as collateral and applies for certain funds from the bank. The latter is mainly aimed at enterprises with good bank records and credit, usually large companies. Before applying for a loan, a general bank needs to provide the annual business license, tax registration certificate, organization code certificate, articles of association, financial statements and other information provided by the enterprise.
What's the difference between personal loans and corporate loans? Compare it!
Nowadays, many young people give up their steady income and start looking for entrepreneurial opportunities. The most important thing is how to get the first bucket of gold. So should I apply for a personal loan or a company loan first? What's the difference between them? Let's get to know each other.
First, the subject is different.
1. Personal loans are generally local and foreign currency loans for personal consumption, production and operation. The amount is relatively low, the application threshold is low, and the interest is higher than that of corporate loans.
2. Enterprise loan refers to an enterprise applying for a loan from a bank or other financial institution at a prescribed interest rate and time limit due to the needs of production and operation.
Second, the use is different.
Personal loan application can be used for consumption, house purchase, car purchase, decoration, tourism and so on.
The purpose of enterprises applying for loans is very clear and single, mostly for business operation or personal consumption of non-business operators.
Third, the types are different.
Personal loans can be divided into personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal securities, personal micro-credit loans, personal non-residential mortgage loans and so on.
The types of corporate loans include working capital loans, fixed assets loans, credit loans, secured loans and so on.
Fourth, different responsibilities.
Different from personal loans, if an enterprise can't repay the loan and go through bankruptcy procedures, it needs an enterprise legal person to take part of the responsibility instead of the enterprise.
To sum up, if you plan to finance, you can consider personal loans first, and it is easier to apply for corporate loans when the enterprise is bigger.
Why do individual enterprises need loans? Why can't a loan be separated from a loan consultant?
The purpose of individual enterprise loan is to ease the financial shortage and obtain funds.
1. Individual enterprises often face the situation of broken capital flow when operating. At this time, the most effective way is to borrow money from the bank.
2. The loan consultant can help a single enterprise to get a loan from the bank faster and find the lowest loan interest.