Enterprises must provide information, but they cannot mortgage loans. This is because the collateral of mortgage loan must have realized business license, but it does not have these abilities, so it cannot be used as the collateral of enterprise loan.
Corporate loans, whether applied to banks or non-bank financial institutions, major banks such as China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank, and non-bank financial institutions such as CreditEase Pratt & Whitney Information Company will be required to provide business licenses. This is because a business license is to an enterprise what an ID card is to an individual. However, if there is only a business license, the lending institution must conduct a pre-lending investigation on the borrower before lending. The specific contents of the pre-loan investigation are:
1. Data verification: Integrity, authenticity and validity are the main melody melody melody of data verification. The so-called integrity, there is no doubt that the submission of any application materials is supported by its meaningful qualifications, so every material is indispensable; And authenticity, that is, do background investigation around a series of materials such as enterprise identity, financial statements, bank flow, business license, and even the contents filled in the loan application form to verify whether the materials are suspected of fraud; And the effectiveness, such as verifying the organization code certificate, loan card and so on. And so on.
2. Customer reputation and personality survey: To understand the reputation, banks should not only stay in the credit information system to understand the enterprise and its superficial efforts, but also pay attention to whether the customers around the customers are in arrears, or focus on employees to understand whether the enterprise has the habit of defaulting on employees' wages. In addition, because the credit information system also reflects the external guarantee of enterprises or the outstanding bank debts, assets and liabilities are evaluated around the debt situation.
3. Enterprise assets and operating conditions: by looking at the changes of financial indicators such as asset-liability ratio, accounts receivable turnover rate, owner's equity, income, expenditure and profit. , analyzed the growth curve of enterprise operation; Understand the product quality, market share and market prospect of production and operation, so as to analyze the repayment source and situation of enterprises.
4. Use of loan: Check whether the loan purpose of the enterprise is true and reasonable, ensure that the funds flow to a safe place, and worry that the enterprise will use the funds for other purposes under the guise of production and operation. In order to completely dispel doubts, some banks not only supervise the use of funds after lending, but also pay customers' transaction objects instead of corporate accounts.
5. Investigate whether the enterprise affects the repayment ability.
6. Verify the collateral and guarantor: investigate the liquidity, realizable value and safety of the collateral to ensure that it is uncontroversial property owned or disposed of by the borrower or a third party. In addition, in the enterprise loan industry, some enterprises can only win the world if they get a guarantor. Since the guarantor is so important, the investigation procedures experienced by the borrower will be repeated on the guarantor without reservation to control the risk. At the same time, focus on verifying the guarantor's qualification, asset strength and willingness to guarantee, and insist on double investigation and face-to-face signing.
Second, how do banks use business licenses for loans? How much can it borrow?
The specific amount shall be determined by the bank according to the qualifications of the borrower. Business license loan process:
1. Submit a business license loan application to the bank and consult the loan related matters;
2. Submit business license loan process related information, such as business license certificate, self-employed individuals applying for loans, should provide the bank's operating flow for nearly six months, and enterprises applying for loans, should provide the operating flow certificate and corporate financial statements for nearly one year. And the borrower's credit report;
3. Wait for the approval of the bank. If approved, both parties will sign a loan contract. Apply for mortgage loans, mortgage registration procedures;
4. The bank issues loans to designated accounts. The role of business license for individual entrepreneurs, as long as the company is registered in the industrial and commercial bureau, it can get a business license with three certificates in one. This license can prove that you are indeed qualified to operate, and you are a legal self-employed person or enterprise legal person, and you can apply for relevant business loans from the bank. However, this is only one of the conditions of the loan. If the company has been operating for a short time, its operating condition is unsatisfactory or even on the verge of bankruptcy, or the applicant's personal credit information is tainted and his age is not up to standard, then other assets or guarantee certificates need to be provided.
3. Can I get a loan for my business license? How much can I borrow?
How to borrow business license loans, and which platform is good for business license loans. The loan conditions of the business license are as follows: the general bank will require more than one year of operation time, and it is estimated that the new business license will not get the loan, but different banks have different requirements. You can ask more banks. Which platform is better for business license loan: Agricultural Bank of China micro-loan is also aimed at small and micro enterprises, and can be applied through online banking and mobile banking. Agricultural Bank of China's microfinance loan amount can reach 654.38+0 million, and the service life of the loan is 654.38+0.2 months. Weizhong Bank's small and micro enterprise loan is a loan that can be handled with a business license. The main open areas are Guangdong, Jiangsu, Hunan, Shandong, Tianjin, Shaanxi, Zhejiang, Henan, Chongqing, Yunnan and Jiangxi. The loan amount of small and micro enterprises can reach 3 million yuan, and the longest loan period is 36 periods. CCB understands that you understand that you are making a small and micro enterprise APP, which can handle loans for the majority of enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses and tax information. , service life 12 months. When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines; 4. Generally, regular products are strictly audited. Although they are easy to use, they are difficult to use, and so is the money spent. But I found the exclusive application channel required by the internal staff, and the payment rate is very high, so it is the most recommended product among the products. Since I have recommended it to everyone, I will present an exclusive application channel, and friends in need can apply for it themselves. Just remember to use flowers that day, otherwise the quota may be taken back, and friends have appeared before. Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms. 360 IOUs, with a maximum loan of 200,000! Click online measurement
Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days. The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months. Ping An Xin Yi Dai Click Online Measurement
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
4. How do banks use business licenses for loans? How much can they borrow?
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