Can enterprises in Jieyang City, Guangdong Province mortgage loans with personal loans?
In fact, the mortgage loan does not say that it must be owned by the enterprise, so the property of the enterprise as a legal person is also supported. However, it needs to be clear that the legal person mortgages his own property, and the loan is issued as an enterprise, not as an individual. That is to say, the ultimate repayment person is the enterprise, and the enterprise needs to repay it with its own income and funds.
Of course, it is definitely not enough to provide corporate real estate loans, and the qualifications of enterprises must also be passed. Only those who meet the loan conditions will get loans. General lending institutions will refer to the following aspects:
1. Business scope of the enterprise: it must meet the national industrial requirements, and it must not be a highly polluting and energy-consuming industry with sustainable development potential;
2. Operating time of the enterprise: it must be at least 1 year after registration, and it is also necessary to provide financial statements and tax details of the past 1 year, which is definitely impossible for many newly established enterprises.
3. Business qualification: you must have a valid business license legally registered by the industrial and commercial department and a fixed business place.
4. Corporate credit: Enterprises should pay taxes in good faith, avoid tax evasion, keep their promises, perform their duties and not default on employees' wages.
5. Repayment ability of the enterprise: it must have certain self-owned funds, strong operating ability and good income.
Finally, it needs to be reminded that the enterprise must repay the mortgage loan on time, otherwise it may lead to the auction of legal person property to recover the loan. After paying off the loan, don't forget to ask the lending institution to issue a loan settlement certificate, decompress the mortgaged property and get back the real estate license.