loan application

I. Loan application

Seven templates for loan application

With the progress of the times, the application is no longer strange to us, and in writing, the application has a certain format. You had no idea when you wrote the application? The following are seven loan applications I have compiled for you, hoping to help you.

Loan Application Form 1 Application Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Due to the seal of the competent department of the enterprise

Look at the bank's audit opinion. Approved amount: 1000 yuan. Approval period: month by month. Interest rate: one thousandth. On behalf of:

Handler:

Date, year and month

Stamping method

Loan application 2 Credit Union:

I. Reasons for applying for loan extension:

I borrowed a loan of ten thousand yuan. As the principal and interest of the loan cannot be repaid now, I applied for a one-month extension and planned to pay off the loan before the extension date. The repayment source of this loan is that I promise to abide by the relevant credit policies of your association, repay the loan principal and interest according to the extension maturity date, and provide joint liability guarantee.

Two. Basic information of guarantor:

1. Collateral: This loan is guaranteed by real estate. The house is of brick-concrete structure, with the highest floor as the mortgage, and the construction area is _. Through field inspection by relevant personnel, the preliminary appraisal value of the property is10,000 yuan, and the loan mortgage rate is%.

2. Guarantor information: Guarantor ①: The guarantor has a house with an area of square meters and a value of RMB 10000. Other assets are about 10 thousand yuan, and the total family assets are about 10 thousand yuan. Tel: Guarantor ②: Guarantor has a house with an area of square meters, with a value of 10000 yuan, other assets of about 10000 yuan, and total family assets of about 10000 yuan. Tel: Guarantor ③: Guarantor has a house with an area of square meters and a value of RMB 10000. Other assets are about 10 thousand yuan, and the total family assets are about 10 thousand yuan. Tel:.

Three. Sources and measures of repayment funds

I promise to abide by the relevant credit policies of your company, and repay the principal and interest of the loan according to the interest settlement income before the loan extension expires, and the original loan guarantor will continue to provide joint and several liability guarantee for the extended loan. If I can't repay the loan on time, I am willing to bear the relevant economic and legal responsibilities.

Please ask the credit union to extend it after review.

Applicant:

Spouse:

Date, year and month

Loan application form 3×××× rural credit cooperatives:

I. Basic information of the borrower

Xxxx, native place: xx, Yunnan, Han nationality, male, XX years old, living in XX, Yunnan Province. Family situation: the family population is × people, and I am the head of the family. The main source of economic income is. Applicant's telephone number: ×× ID number: ×× ID number: ×× ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number

Spouse: ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

Two. * * * Basic information of the same borrower

Xxxx, native place: xx, Yunnan, Han nationality, female, XX years old, home address: XX, Yunnan Province, ID number: XX.

××。

Xxxx, native place: xx, Yunnan, Han nationality, male, XX years old, home address: XX, ID number: XX.

Third, the reason for borrowing

Sugarcane planting has been successful in XXX area. According to the relevant supporting policies for the development of sugar industry, through my personal investigation and practice, the current sugarcane market has good prospects, good returns and less risks. It is planned to expand the planting area of sugarcane in 20xx years, and now more than 100 mu of land has been found, which needs to be invested 65,438+10,000 yuan for development and construction. I have 50,000 yuan, and I still lack some liquidity.

We hereby apply for a loan of RMB 50,000.00 Yuan (RMB 50,000.00 Yuan) from your organization for a period of three years.

Four. Repayment source and repayment plan

I will take the annual household income such as daily grocery business and sugarcane planting income as the repayment source, and pay interest on time during the loan period. The sugarcane industry was invested in the same year, and it was effective that year. According to the average yield of 3 tons per mu in the first year, the yield of 100 mu is 300 tons, and the current price is 500 yuan per ton. Gross income of that year150,000 yuan, excluding the cost of per mu 100 yuan, the net profit was about 40,000 yuan. I plan to pay off the principal and interest of all the money I owe before the end of February 20xx. If I don't repay the loan on time, I will voluntarily bear the liability for breach of contract and legal liability. I promise to pay attention to credibility and use it for special purposes. V. Basic information of the guarantor: ××××, born in ××× Yunnan, female, aged, living in ×××× Village, Yunnan Province, now working in ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

Hereby apply

Please approve!

Loan applicant: ××××××

Guarantor: ×××××

20xx65438+1October 6th

4 shulan city Changxu Co., Ltd. Loan Application:

Due to this need, our company intends to apply for a SME loan from your company. The application amount is (RMB) ten thousand yuan (in words), the application period and the source of repayment funds. The relevant materials submitted with this application (see the list of submitted materials for details) are for your reference when making loan decisions. Please review and welcome your staff to investigate at any time.

Our company hereby solemnly promises: ① The information provided is true, legal and effective; if the information provided is inaccurate, all consequences arising therefrom will be borne by our company; (2) If you need other information, the company will provide it when assisting your project manager in the loan investigation; (3) Whether your center agrees to provide loans for our company or not, our company agrees to file all the information provided (unless otherwise specified) in your center without returning it.

Hereby!

Applicant: (official seal)

Legal Representative: (Signature)

Date, year and month

Chapter 5 Loan Application Dear:

Hello, my name is XX, and I am an employee of XXXX. I joined the company in XX. Over the past three years, under the influence of the company's strong corporate culture, under the guidance of leaders and the care and support of the company's family, I have been improving my own shortcomings and learning business knowledge, so that I can grow from a teenager to a business elite now. Let me deeply feel that XXX is not only the enterprise where I work, but also the school where I study all my life. I have long regarded the company as my home. Thank you for your selfless help!

Fate came so suddenly that there was no prelude to everything. At the beginning of this year, under the introduction of relatives, I met a girl from my hometown. After several contacts and understanding, we both felt that we had known each other for a short time. Recently, we got engaged under the arrangement of two families, and the wedding day is coming.

However, marriage is beautiful, and I need to face the reality before marriage. I grew up in a single-parent family, and my father raised me on a few acres of fertile land at home alone. Last year, my father borrowed XX million yuan from relatives and friends to build a new house at home. Looking at my father's hard face, I don't want him to worry too much about my marriage, and I don't want him to add a few silver threads to his gray hair.

So I want to borrow XX million yuan from the company, try my best to lighten my father's burden, and let the marriage have a good start. Ask the leadership for approval! The company will deduct XXX yuan from my salary every month as the monthly repayment amount.

Please seriously consider my application. No matter whether the leader approves or not, I will work hard, be positive and fight bravely, for the platform given by the company, for myself and for my family!

XXXX

Chapter 6XX Sub-branch of loan application:

XX Co., Ltd. was founded in _ _ _ _ _ _, and has a history of more than 20 years. The company has XX production lines with an annual output of XX million tons of XX products. On _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The company's geographical location is close to (airport and port high-speed railway), and the land and sea transportation is developed, which is conducive to opening up international and domestic markets. The company has obtained XX production license, and its products are sold to more than 20 provinces and cities across the country, which are used in XX industry. At present, the price of products has risen to a certain extent, which is in short supply and the profitability of the company has improved significantly. The company has 535 employees and 233 professional technicians. It covers an area of more than 600 mu, with a registered capital of 36 million yuan, total assets of 93 million yuan, average annual sales income of 65.438+0 billion yuan and tax revenue of 8 million yuan. It has entered a new round of rapid development platform.

The market is improving, and the demand for post-disaster reconstruction in disaster areas has created rare development opportunities for the company. The company decided to tap the potential of equipment, transform new technologies and expand production capacity to meet the growing market demand. The prices of major raw materials have risen sharply this year, and the company expects sales to increase in the second half of the year. After the expansion of production capacity, the raw materials in stock can not meet the production demand, so it is necessary to increase the working capital to expand the raw material inventory and ensure production. Therefore, our bank applied for a working capital loan of RMB 654.38+million from your bank to purchase raw fuel storage materials. The company takes the income and depreciation funds increased by new sales as the repayment source, and all the land use rights and production plant equipment of the company as collateral. The loan period is two years. I hope your bank will give our company credit support and help our company achieve new development!

Applicant: _ _ _ _ _ _

Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Loan application 7XXX rural credit cooperatives:

I. Basic information of the borrower

Xxxx, native place: xx, Yunnan, Han nationality, male, XX years old, living in XX, Yunnan Province. Family situation: the family population is × people, and I am the head of the family. The main sources of economic income are cash crop planting, breeding and daily grocery management. Among them, the annual income of daily groceries is × yuan, the annual income of cash crops is 1.5 million yuan, the annual income of crops is 5,000 yuan, and the annual income of pig breeding is 5,000 yuan. In addition, there is a facade on the street, with a present value of100000. Applicant's telephone number: ×× ID number: ×× ID number: ×× ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number: ID number

Two. * * * Basic information of the same borrower

Xxxx, native place: xx, Yunnan, Han nationality, female, XX years old, home address: XX, Yunnan Province, ID number: XX.

Xxxx, native place: xx, Yunnan, Han nationality, male, XX years old, home address: XX, ID number: XX.

Third, the reason for borrowing

Four. Repayment source and repayment plan

Verb (abbreviation of verb) Basic information of guarantor

Xxxx, born in XXX, Yunnan, female, aged, lives in XXX village, Yunnan province, and now works in XXX village. My ID number is ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

Loan applicant: xxx

Loan guarantor: xxx

Xx，xx，XX，XX

Second, how to write an application for enterprise loan?

Introduction of the company's business varieties and related introductions: mortgage loan (30 years, loan amount of 654.38+million), remortgage of the same name house (installment house can be mortgaged twice), mortgage/mortgage loan for second-hand house sale (80% for 30 years), garage (central production, no assets in installments, right to use, full payment, installment and remote suburban counties can be handled), and property house under the company name. The villa can handle) Specific charging standards for personal credit loans of small and medium-sized enterprises (without any collateral) Attachment of income certificates of banks, interest rate table and insurance rate table Company business description: Cai Zhong Runwu Company's business scope includes mortgage loans, operating loans, second-hand housing mortgage loans, second-hand housing mortgage loans, loans with the same name, loans for small and medium-sized enterprises, garages and other loan businesses. (2) The specific business types and introduction are as follows: 1. Housing mortgage loans and employment-related loans 1. Borrower qualification: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the house property). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial houses, houses, affordable houses, apartments, villas, shops, office buildings and shops. 5. Specific process: receiving customer information (collecting deposit) → home visit and evaluation → determining the loan amount → reporting to the bank → signing a contract with the bank → approval → mortgage registration → customers collecting money from our company. Loan term: mortgage loan 1-30 years. 7. Completion date of real estate: the real estate can be handled after 78 years. 8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. Ii. loan of the same name 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Information provided: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from Chinese mainland, Taiwanese certificate), marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, death certificate for widowed), temporary residence permit for the borrower who is a foreigner, and balance certificate of the lender with property right mortgage (. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. 5. Specific process: receiving customer information (collecting deposit) → visiting and evaluating at home → setting the loan amount → reporting to the bank → signing a contract at the bank → approving → repayment and mortgage issuance → doing mortgage registration → customers paying fees at our company → lending money. 6. Loan term: the loan term has been borrowed from other banks, and now you are applying for a house with a loan term of ≤30 years. Repayment method: average capital (decreasing), matching principal and interest, paying interest on schedule, and repaying principal when due (only applicable to loans with a loan term of less than one year and a loan amount of less than 500,000 yuan). Second-hand housing mortgage loan and second-hand housing mortgage loan 1. Information required by the borrower (buyer): second-hand housing sales contract or agreement, borrower's and spouse's ID cards (including ID card, passport, military officer's card, travel permit to and from the mainland, Taiwanese certificate), borrower's marriage certificate (marriage certificate for the married, divorce certificate or divorce judgment for the divorced, and death certificate for the widowed). When purchasing affordable housing, you need to provide the affordable housing audit form within the validity period, the borrower's down payment invoice or receipt, the spouse's income certificate and affix the official seal (. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including but not limited to automobile driving license, house purchase invoice, real estate license, house purchase contract or invoice, passbook deposit certificate, deposit certificate issued by the bank, payroll record issued by the bank, equity investment certificate, two certificates investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 2. The information that the seller needs to provide: the second-hand housing sales contract or agreement, the ID cards of the borrower and spouse (including ID card, passport, military officer's card, travel permit to and from the mainland, and Taiwan compatriot's card), the household registration book of the borrower and spouse, and the marriage certificate of the seller (marriage certificate for the married, divorce certificate or divorce judgment for the divorced, death certificate or marital status indicated in the household registration book for the widowed). Information to be provided when the transaction property is a non-commercial house: the original purchase contract is required when buying a house, buying a house at a standard price or buying a house at a preferential price. If there is a clear agreement in the original purchase contract that the original seller has the preemptive right or the proceeds from the sale of the property belong to the original seller, it is necessary to provide information that the original seller no longer exists. You can fill in the declaration form for the sale of purchased public housing, provide the registration form for listed public housing with central property rights, and provide the original contract for the purchase of affordable housing. If the purchase period is less than five years, it shall not be higher than the original purchase price. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Specific process: collecting customer information (collecting the deposit) → visiting and evaluating at home → determining the loan amount → reporting to the bank → signing a contract with the bank → examining and approving → doing mortgage registration (if you want to refinance the mortgage, you must repay the mortgage first and do mortgage registration) → the customer will settle the expenses at our company → lending 5. Loan Term: Ordinary residence: 6 months to 30 years (house age loan term ≤35 years) High-grade residence and commercial house: 1 year-10 year (house age loan term ≤20 years) Loan term Actual house age ≤656, average capital (decreasing) repayment method, matching principal and interest, repayment of principal and interest on schedule (limited) Exercise certificate (3) original car purchase invoice (4) insurance policy (5) road maintenance fee (6) purchase tax certificate (7) ID card (8) inspection list of imported vehicles Note: materials added by unit vehicles (1) organization code certificate (2). Basic conditions of mortgage: materials to be provided for purchasing a house by stages: purchase contract, loan contract, deed tax ticket, maintenance fund invoice, ID card of the owner and his spouse, household registration book and marriage certificate (originals are required); Materials to be provided for the full house: ID card, household registration book, marriage certificate and real estate license of the owner and his spouse (original house purchase agreement or contract is also required) (original house purchase is required). Handling process: receiving customer materials → home visit, estimation → booking loan amount → handling entrusted notarization → taking custody documents → lending. Note: Balloon loan repayment method: ▲ The above mortgage loans, second-hand housing mortgage loans, second-hand housing mortgage loans and loans with the same name can all be used for balloon loan repayment. (For example, if you borrow 654.38+ million yuan, you just want to deposit interest, and the monthly repayment amount is low. We can help you with the repayment interest of 654.38+0-5 years, but the monthly repayment amount is 20-30 years, and the principal can be repaid together in 5 years. If you can't repay the principal, you can apply for extending the loan term again. V. Mortgage loan of real estate under the name of the company: 654.33. 2. Loan term: 1-2 years. 3. Loan amount: unlimited. 6. SMEs: 1. Basic application conditions: the company must be registered in Beijing. Company nature: limited liability company, partnership enterprise, individual industrial and commercial households, etc. Operating time: at least 3 years. 2. Provide basic materials: company business license (original and photocopy), national tax and local tax registration certificate (original), organization code certificate (original), articles of association (with the inquiry stamp of the industrial and commercial bureau), capital verification report (with the inquiry stamp of the industrial and commercial bureau), loan card (if it is not processed quickly), and ID cards/passports of all shareholders of the company. 3. Loan Term: 1-2 years 7: Basic application conditions for personal credit loans. Public officials of state organs and units, top 500 enterprises in China and other personnel can handle it. Provide basic materials: original reference materials such as ID card, household registration book, marriage certificate, residence certificate and income certificate of the borrower and his spouse;

Trademark registration/

3. How to write the SME financing application?

Small and medium-sized enterprises often encounter difficulties in the process of business development. Therefore, it can apply for a loan from the bank. When applying for a loan, you should submit a financing application to the bank and talk about some financing related matters. Then the SME financing application follows Bian Xiao to learn about it.

1. How to write the SME financing application?

1. Reasons for application

This content indicates the financing subject and financing reasons, such as the funds used by XXX enterprises for XXX project construction.

2. Financing amount

This content indicates the required financing amount and the expected financing period.

3. Financing collateral

This content should explain in detail what the collateral used in this financing is, whether it is land or buildings, and indicate the quantity and evaluation value of the collateral. If it is mortgaged land, the land certificate number should be marked; If you need to mortgage the property, you should indicate the pre-sale certificate number or the property ownership certificate number and land certificate number to which the property belongs. In addition, it is necessary to explain the bet.

4. Financing purpose

This content should explain the specific purpose of financing in detail and give a general plan, such as how much the project cost, how much the installation, how much the debt, etc. The purpose of financing must be real.

5. Repayment instructions

In this content, the source of funds should be explained in detail, and the approximate amount and time of each repayment source should be given. For example, the first-phase residential sales can reach RMB ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

Second, small and medium-sized enterprises?

1, bank loan. The nature of bank funds is divided into three types: working capital loans and loans. Special loans are generally more favorable, and loans are discounted.

Bank loan is one of the most common financing channels. However, due to its high qualification requirements and relatively complicated procedures, it is often difficult for small and medium-sized enterprises that are in urgent need of funds.

2. Stock financing. Stocks have the characteristics of repaying principal and interest, so the financing risk is small. The stock market can promote enterprises to change their management mechanism and truly become a legal entity and market competition subject with independent operation, self-financing, self-development and self-restraint. At the same time, reorganization provides a broad stage and excellent enterprise integration ability.

3. Bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the issuing enterprises and investors. Bondholders do not participate in the operation and management of the enterprise, but have the right to recover the agreed principal and interest on schedule. Before the enterprise goes bankrupt, shareholders have the right to claim the remaining property of the enterprise. Corporate bonds, like stocks, are securities and can be freely transferred.

4. Financial leasing. Through the combination of financing and finance, financial leasing has both financial and trade benefits and promotes the technological progress of enterprises, which is very obvious. Financial leasing includes direct purchase leasing, after-sale leaseback and leveraged leasing. In addition, there are many forms of leasing, such as the combination of leasing and compensation trade, the combination of leasing and processing and assembly, and the combination of leasing and underwriting. The financial leasing business has opened up a new financing channel for the technological transformation of enterprises, and adopted a new form of combining financing with finance, which has improved the speed of introducing production equipment and technology, saved the use of funds and improved the utilization rate of funds.

To sum up, in order to obtain loans from banks more smoothly, the writing of SME financing application must be carried out in accordance with relevant norms and skills. The enterprise shall clearly state the financing reason, financing amount and term, repayment method, collateral value and capital use in the application. In terms of corporate reputation, SMEs should provide as much supporting information as possible, so that it will be relatively easy for banks to lend money.

Extended reading:

What are the scope of application of project financing?

What are the financing methods for SMEs?

What are the financing methods of letters of credit?