It has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off;
The annual inspection procedures should be handled by the industrial and commercial departments, because only through the annual inspection and annual inspection procedures of the industrial and commercial departments can we verify the development and changes of the sole proprietorship enterprise and ensure the authenticity of the relevant loan application materials and the authenticity and legitimacy of its business qualifications;
Basic deposit account or general deposit account has been opened;
The asset-liability ratio of the sole proprietorship enterprise meets the requirements of the lender;
When applying for a loan, the proportion of the owner's income to the total investment required for the project meets the specified requirements.
Two. Procedures for handling loans for sole proprietorship enterprises:
1. When applying for a loan, a sole proprietorship enterprise shall apply to the agent bank of the host bank;
2. Need to fill in the loan application form;
3. When applying for a loan, a sole proprietorship enterprise needs to provide relevant assets certificates and other loan-related materials;
4. The certificate that the person who has the right to dispose agrees to mortgage and pledge and the relevant documents that the guarantor intends to agree to guarantee;
5 enterprise project proposal and feasibility report;
6. Other relevant information required by the bank.
Three, the sole proprietorship enterprise loan guarantee way:
1. Comprehensive credit: refers to the credit line granted by the bank to some enterprises with good operating conditions and reliable credit within a certain period, which can be recycled by enterprises within the validity period and scope of the credit line.
2. Bill discount means that the holder transfers the commercial bill to the bank and obtains the funds after deducting the discount interest.
3. Intellectual property pledge: refers to the financing method of applying for a loan from a bank after evaluating the legally owned patent rights, trademark rights and property rights in copyright.
4. Fixed assets loans: medium and long-term local and foreign currency loans issued by banks to enterprises, which are mainly used for capital construction, equipment purchase, technological transformation and corresponding supporting facilities related to investment in fixed assets projects.