Enterprise bank loans have purchase and sale contracts, which are directly placed in the other enterprise.
A purchase and sale contract refers to an agreement that one party transfers the ownership or management right of a commodity to another party and the other party pays the price. Purchase and sale contracts include supply contracts, purchase contracts, pre-purchase contracts, combined purchase and sale contracts, cooperation contracts and adjustment contracts. A supply contract is a contract signed between organizations to implement the national material distribution plan.
Do bank loans need engineering contracts and purchase and sale contracts?
Need, reason: before lending, banks need to know the purpose of the borrower's loan. The sales contract is only one of the evidences to prove the purpose of the loan, and other contracts and other written materials can also be used to prove the purpose of the loan. For businessmen, it is often possible to obtain liquidity through bank loans. Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Can I borrow money from the purchase and sale contract?
It's possible. Here are some loan techniques:
1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.