1. What information does the company need for an ICBC loan?

Each bank should have personal credit loans. Taking ICBC as an example, personal small short-term credit loans are used by lenders to solve the temporary problems of borrowers. RMB credit loans with a term of less than one year and an amount of less than 20,000 yuan for consumption needs without providing guarantee. Lenders refer to the branches of the Industrial and Commercial Bank of China that offer personal small-amount short-term credit loans. The borrower refers to a Chinese citizen who has a fixed residence in China, a local urban permanent residence (or valid residence certificate), and full capacity for civil conduct. 1. Borrower conditions Borrowers applying for personal small short-term credit loans must meet the following requirements Conditions: 1. Chinese citizens who have a fixed residence in China, a local urban permanent residence (or valid residence certificate), and full capacity for civil conduct; 2. Have a legitimate occupation and stable economic income (monthly salary income must be in 1,000 yuan or more), with the ability to repay the principal and interest of the loan on time; 3. The borrower’s unit must be an administrative, enterprise, or institution recognized by the lender and have a good cooperative relationship with the lender, and the lender must pay wages on behalf of the borrower; 4. Abide by laws and regulations, and have no illegal behavior or bad credit record; 5. Open a Peony credit card or current savings account at the Industrial and Commercial Bank of China; 6. Sign with the lender to agree to deduct the loan from his or her Peony credit card or current savings account Agreement; 7. Other conditions stipulated by the lender. 2. Term and interest rate of the loan (1) The term of the personal small-amount short-term credit loan is less than 1 year (inclusive) (2) The interest rate of the personal small-amount short-term credit loan is in accordance with the People's Bank of China. The stipulated short-term loan interest rate shall be implemented in accordance with the relevant regulations of the People's Bank of China. When the interest rate is adjusted during the loan period, the contract interest rate shall be implemented. If the loan period is less than 6 months, the interest rate shall be calculated according to the 6-month grade. (3) The starting point for personal small-amount short-term credit loans is 2,000 yuan, and the loan amount does not exceed 6 times the borrower's average monthly salary income, and the maximum does not exceed 20,000 yuan. (4) Personal small-amount short-term credit loans are general. No extension will be applied. If the loan cannot be repaid on time due to force majeure or unexpected events, it can be extended once with the lender's consent, and the cumulative interest before the extension shall not exceed 1 year and will be paid at the interest rate agreed upon in the original contract. Interest, if the cumulative loan period is less than 6 months, the interest will be calculated based on the 6-month loan interest rate listed on the day from the extension date; if it exceeds 6 months, the interest will be calculated based on the 1-year loan interest rate listed on the day starting from the extension date. . 3. Loan application When applying for a loan, the borrower should provide the following information to the lender: 1. Loan application approval form; 2. Valid identity document.

2. What information does the company need for an ICBC loan?

There are many types of loans. Let me briefly tell you the most commonly used ones. Personal credit loans are issued by the Industrial and Commercial Bank of China to borrowers with good credit without providing guarantees. RMB credit loan. Application conditions: 1. Chinese citizens with the ability to live in local cities and towns; 2. Have a legitimate and good occupation with stable economic income, have the discipline to repay loans on time, and have no illegal behavior or bad credit record; 4. . Obtain a personal credit rating of A- or above from ICBC; 5-year bank account; 6. Other conditions specified by the bank, in addition to the above basic conditions, also meet one of the following specific access conditions (1). Mid- to senior-level employees of high-quality corporate customers of ICBC; (2) Individuals with self-owned assets of more than 2 million yuan (inclusive); (3) Peony Platinum Card customers; (4) Holding ICBC personal wealth management account for 1 year ( (Inclusive) and above and the average annual deposit balance of the account is 200,000 yuan (including bank personal loan customers, the loan amount is more than 500,000 yuan (inclusive) and there is no default repayment record for more than 2 consecutive years (including customers whose loans have been settled). Loan amount The starting point of the loan amount is 10,000 yuan, the maximum is 500,000 yuan (inclusive) for 1 year (inclusive), and the maximum is 3 years.

Personal credit loans are generally not extended. If the loan cannot be repaid on time due to force majeure or accidents, it can be extended once (within the bank). The extension period shall not exceed the original loan period and the cumulative loan period (including the personal loan period of the extension period). The person pledges a legal and valid pledge that meets the conditions specified by the bank and applies to the Industrial and Commercial Bank of China. The conditions for application are: 1. Capacity for civil conduct in China; 2. Have a good credit record and willingness to repay; 3. Have the ability to repay the principal and interest of the loan. ; 4. Provide a bank as a pledge guarantee; 5. Open a personal settlement account at ICBC; 6. The minimum payment limit for a single transaction (account) is 5,000 yuan (inclusive), and the maximum limit is no more than 10 million yuan. The maximum limit for online banking is no more than 1,000 yuan. Ten thousand yuan. Loan term 1). Corporate loan working capital revolving loan: The borrower signs a one-time loan contract with ICBC, and within the validity period specified in the contract, the borrower is allowed to withdraw the loan multiple times, repay the loan one by one, and recycle the loan. Applicable enterprises: 1. Large-scale and high-quality listed companies with strong strength, good reputation, large scale and standardized management 2. Other enterprises with good reputation Business process: 1. The borrower applies for a loan to ICBC and submits relevant materials 2. ICBC Investigate and review the company's situation 3. Sign loan contracts and other legal documents 4. Handle mortgage, pledge and other guarantee procedures and notarization procedures for relevant contracts 5. Execute loan contracts Legal person account overdraft: This business is ICBC's growing business for key borrowers A new type of corporate credit product developed for the needs of cash management, reducing transaction costs and strengthening corporate financial management. Based on the borrower's application, ICBC will, on the basis of the approved account overdraft limit, allow the borrower to overdraft with ICBC within the approved overdraft limit within the prescribed period to obtain funds to meet normal settlement needs when the account deposit is insufficient to pay the payment. A temporary credit facility. Legal person account overdraft is mainly used to solve the borrower's temporary capital needs in the production and operation process. It is only applicable to ICBC's high-end borrowers as a credit tool to solve their more urgent temporary production and operation fund gaps. Because I don’t know whether it is a personal loan or a corporate loan, I won’t explain the other loan items to you one by one. If you need more details, you can add the question and I will tell you. Follow-up question: I am applying for a personal loan~

3. What information is required for a business loan?

Question 1: What application materials are required for a business loan? Hello, I need the following information

1. Basic company information

1. Enterprise business license, organization code certificate, account opening license, tax registration certificate, company articles of association, capital verification report, Loan card

2. Annual reports for the past three years, financial statements for the past three months, and company statements for the past six months

3. Business site lease contract and rent payment receipt, Water and electricity bills in the past three months

4. Various tax bills in the past six months, signed purchase and sales contracts (if any)

5. Proof of assets in the name of the company

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2. Personal information

1. ID card of the borrower and spouse

2. ID card of the owner of the real estate certificate and spouse

3. Household register of the borrower and real estate owner

4. Marriage certificate of the borrower and real estate owner

5. Proof of personal assets, such as real estate, cars, stocks, bonds, etc.

6. Personal bank statements in the past six months or one year

For details, please refer to Baidu Henan Rongyidai

Question 2: What information and steps do enterprises need to provide to bank loans? 1: First, you need to submit a written application for a loan to the relevant bank, go to the bank's credit department to get the "Loan Application Form" and fill it out and return it.

The content of the application includes: loan amount, loan purpose, repayment ability and repayment method. The following materials are also required: (1) Submit basic information: corporate legal person business license (annual inspection), corporate legal person qualification certificate, corporate organizational structure Code certificate, tax registration certificate, account opening license of the basic account opening bank, legal person ID card (the above are all original copies), legal person resume; financial audit report of the company for three consecutive years, and the latest financial statement (all need to be stamped Financial seal); corporate loan card (copy); business cooperation with various commercial banks and internal financing status of the company; company articles of association, list of company board members; company articles of association, signatures of legal persons and authorized persons and letters of authorization; company profile, Basic information such as background information. (2) Auxiliary information: the company's own business scale, financial status analysis and trend forecast; product situation, market situation, company development scale, and level in the same industry; cooperation needs, plans and suggestions. (3) Information required for business operation: credit application, resolution of the company's board of directors (if required by the company's articles of association); the company's specific loan purpose and direction of fund use (loan plan, total loan amount); analysis of repayment sources (plans and measures), and Conduct monthly cash flow analysis on repayment funding arrangements; mortgage status, other relevant legal documents, correspondence, etc. In addition, if a guarantee is required, the guarantee company also needs to provide the above materials. Step 2: Approval and project establishment: The investigators confirm the purpose of the review, select the main inspection items, formulate and start implementing the review plan. Credit evaluation: Investigators determine the credit rating of the lender based on factors such as the lender's leadership quality, economic strength, capital structure, contract performance, operating efficiency, and enterprise development prospects. This kind of evaluation is carried out by the specific person in charge of bank credit or an evaluation agency approved by the relevant department. Feasibility analysis: A procedure in which investigators explore the causes of discovered problems and determine the nature and possible impact of the problems. Among them, the analysis of the company's financial status is the most important. Comprehensive judgment: The reviewers verify the materials provided by the investigators, judge the current situation of the company, its mid- to long-term development, and profit and loss status, re-estimate the risk of the loan, put forward opinions, and approve the loan in accordance with the prescribed authority. Pre-loan review: Conduct final pre-loan review through direct investigation, side investigation, etc. After the review is completed, the bank handling staff will write a loan review report and clearly indicate whether the loan can be granted and submit it to the superior leader for approval. Step 3: Sign the contract. If the bank reviews the loan application and believes that it all meets the regulations and agrees to lend, it should sign a "Loan Contract" with the lender. Step 4: After the loan issuance contract is signed, both parties verify the loan in accordance with the contract. The financier can go through the withdrawal procedures according to the contract: when withdrawing the money, the financier will fill in the withdrawal voucher uniformly formulated by the bank, and then go to the bank to go through the withdrawal procedures

Question 3: What materials are required for corporate loans? Materials required for formal corporate loans: 1. Application form; 2. Company profile; 3. Copy of company business license; 4. Enterprise code certificate; 5. Tax registration certificate (national tax, local tax); 6. Special industry production and operation License and qualification certificate; 7. Articles of Association; 8. Capital verification report; 9. Introduction to the legal representative; 10. Identity card of the legal representative; 11. Certificate of identity of the legal representative issued by the company; 12. The board of directors agrees to the loan Resolution; 13. Financial statements verified by the accounting (auditing) firm in the past three years; 14. Balance sheet, profit and loss statement, and cash flow statement in the past three months; 15. Financial status description: a) Liability description; b) Investment Description; c) Description of the company's sales revenue and profit sources; 16. Loan card and its password; 17. Description of loan guarantees provided to other companies; 18. Repayment plan; 19. Copies of ongoing and upcoming business contracts ; 20. Fund use plan or project feasibility report; 21. Required materials for collateral: a) Proof of ownership of the mortgage (state-owned land use right certificate, house ownership certificate); b) Collateral evaluation report.

LU12 Hefei 0551 Investment and Financing Management Co., Ltd. was established in October 2008. It is a company that integrates entrusted financing loans, short-term borrowing Hefei credit loans, Hefei, Hefei enterprise loans, Hefei car loans, Hefei housing loans, Hefei private loans, Hefei land loans, A comprehensive financial management company that provides Hefei mortgage loans, Hefei business loans, Hefei second-hand housing loans, Hefei land loans and other businesses. Address: Room 12A03, Huijin Building, at the intersection of Feixi Road and First Ring Road, Hefei City

Question 4: What information is required to apply for a bank loan in the name of the company? What the company describes should be a loan, which mainly includes proof of repayment ability such as personal ID card, household register, marriage status certificate, personal income certificate or personal asset status. Proof of loan purpose (such as purchase contract, etc.).

House title certificate (if a third party’s property is used as a mortgage, the property owner’s identity document and written proof of consent to the mortgage must also be provided). The annual inspection business license, tax registration certificate, organization code certificate, articles of association, and financial statements of the operating entity. My friend's company does it at Yinyuan Xinmao. It's easier than going to the bank to do it yourself, and it's mainly faster.

Question 5: What information does the company need for an ICBC loan? Is it a personal loan or a corporate loan? There are many kinds. Let me briefly tell you the commonly used ones. Personal credit loan is a RMB credit loan issued by the Industrial and Commercial Bank of China to borrowers with good credit without providing guarantee. Application conditions: 1. Chinese citizens with a fixed residence in China, permanent residence in a local town, and full capacity for civil conduct; 2. Have a legitimate and good occupation with stable economic income, and have the ability to repay the principal and interest of the loan on time; 3. Comply with Be law-abiding and have no illegal behavior or bad credit record; 4. Obtain a personal credit rating of A- or above from the Industrial and Commercial Bank of China; 5. Open a personal settlement account at the Industrial and Commercial Bank of China; 6. Other conditions stipulated by the bank. In addition to meeting the above basic conditions, borrowers who also meet one of the following specific access conditions are special access customers for credit loans: (1) Middle and senior managers and senior professional and technical personnel who are high-quality corporate customers of ICBC; (2) Individuals Have self-owned assets of more than 2 million yuan (inclusive); (3) Be a Peony Platinum Card customer; (4) Hold an ICBC personal wealth management account for more than 1 year (inclusive) and the average annual deposit balance of the account is 200,000 yuan (inclusive) ) or above; (5) Be a personal loan customer of ICBC with a loan amount of more than 500,000 yuan (inclusive) and no default repayment record for more than 2 consecutive years (including customers whose loans have been settled). Loan Amount The starting point for the loan amount is 10,000 yuan, and the maximum does not exceed 500,000 yuan (inclusive). Loan term The loan term is generally 1 year (inclusive) and the longest is no more than 3 years. Personal credit loans are generally not extended. If the loan cannot be repaid on time due to force majeure or accidents, it can be extended once with the consent of the bank if the loan period is within 1 year (inclusive). The extension period shall not exceed the original loan period and the cumulative loan period. (including extension period) shall not exceed 1 year. For individuals, the borrower applies for a RMB loan from the Industrial and Commercial Bank of China by pledging legal and valid pledges that meet the conditions specified by the bank. Application conditions: 1. Live in China and have full capacity for civil conduct; 2. Have a good credit record and willingness to repay; 3. Have the ability to repay the principal and interest of the loan; 4. Provide a valid certificate of title recognized by the bank as a pledge guarantee; 5. .Open a personal settlement account at ICBC; 6. Other conditions specified by the bank. The minimum loan amount for a single transaction (household) is 5,000 yuan (inclusive), and the maximum is no more than 10 million yuan. The maximum limit of online banking does not exceed 1 million yuan. The loan period is generally 1 year, with a maximum of 3 years (inclusive). Corporate loan working capital revolving loan: The borrower signs a one-time loan contract with ICBC, and within the validity period specified in the contract, the borrower is allowed to withdraw the loan multiple times, repay the loan one by one, and recycle the loan.

Applicable enterprises: 1. Large-scale and high-quality listed companies with strong strength, good reputation, large scale and standardized management 2. Other enterprises with good reputation Business process: 1. The borrower applies for a loan to ICBC and submits relevant materials 2. ICBC Investigate and review the company's situation 3. Sign loan contracts and other legal documents 4. Handle mortgage, pledge and other guarantee procedures and notarization procedures for relevant contracts 5. Execute loan contracts Legal person account overdraft: This business is ICBC's growing business for key borrowers A new type of corporate credit product developed for the needs of cash management, reducing transaction costs and strengthening corporate financial management. Upon the borrower's application, ICBC will, on the basis of the approved account overdraft limit, allow the borrower to overdraft with ICBC within the approved overdraft limit within the specified period to obtain funds to meet normal settlement needs when the account deposit is insufficient to pay the payment. A temporary credit facility. Legal person account overdraft is mainly used to solve the borrower's temporary capital needs in the production and operation process. It is only applicable to ICBC's high-end borrowers as a credit tool to solve their more urgent temporary production and operation fund gaps. Because I don’t know whether it is a personal loan or a corporate loan, I won’t explain the other loan items to you one by one. If you need more details, you can add the question and I will tell you. Follow-up question: I am applying for a personal loan~

Question 6: What materials are needed for small and medium-sized enterprise loans? Application materials for small and medium-sized enterprise loans:

1. Valid identity document and proof of residential address;

2. Private enterprise business license, tax registration certificate, legal person code certificate and other administrative agency business qualification certificates;

3. Private enterprise tax payment certificate (or loan card);

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4. Audited financial statements for the past year;

5. If you apply for a loan with a pledge guarantee, you must submit the rights pledge required for the guarantee. If you apply for a loan with the rights of a third party, you must also submit a pledge of the rights of a third party.

Provide the identity document of the pledgor, the pledge authorization letter, and the written document agreeing to the pledge;

6. If applying for a loan with real estate mortgage guarantee, the borrower must provide two or more sets of "Real Estate Ownership" Certificate",

A written document that the owner of the house agrees to the mortgage;

7. If real estate in the name of a third party is used as a mortgage, the identity document of the property owner must also be provided , Mortgage authorization letter,

A written document in which the owner of the building agrees to the mortgage;

8. If the borrower or a third party uses ***-owned property as a mortgage, the property must be ** *Someone*** must also issue a written document agreeing to the mortgage,

At the same time, the property*** owner must also sign on the mortgage contract;

9. Be able to prove compliance with the requirements Purchase and sales contracts or invoices for the business scope;

10. Other information specified by the bank.

Question 7: What information does an enterprise need to provide when applying for a mortgage loan? 1. Preparation information

The information required to apply for a mortgage loan includes a business license, organization code certificate, and account opening certificate. Loan card, national and local tax registration certificate, audit reports and recent financial statements in recent years, as well as mortgage details. If the property is a property, a real estate evaluation report, real estate certificate, and land certificate are mainly these. Of course, some banks also require transaction details. wait.

2. Real estate appraisal

There is a special appraisal agency for mortgage property appraisal. During the appraisal process, if the value of the house cannot meet the loan needs, the appraised value should be slightly higher than the appraised value. market value at that point in time. But if the value of the house far exceeds the value of your loan, then the appraised value will move closer to the bottom line of the market value, which can eliminate a lot of handling fees.

3. Bank interview

After the property evaluation, the individual brings relevant information to the bank for an interview and signs a loan agreement.

4. Bank approval

After signing the loan agreement, wait for the bank's approval. The approval time of each bank is different, but generally the approval will be within a short time if the information is prepared. If the required information is incomplete, the bank will issue a notice requesting that the information be completed before approval.

5. Mortgage registration

After the bank's approval, the applicant goes to the Industrial and Commercial Bureau to register the loan's low-collateral property. Mortgage registration will incur a certain mortgage registration fee. However, the mortgage Registration is very necessary. Mortgage registration can guarantee the applicant's loan repayment and provide priority protection.

Question 8: Six certificates and one card are required for corporate loans: business license, organization code certificate, national and local tax certificate, account opening license, credit institution code certificate, legal representative ID card 1 Card: Payment card

Question 9: What information is required for a company loan? What is not required? You only need an ID card to apply for a loan. The payment can be made on the same day.

4. Bank pre-approval of the loan What information is needed?

Documents required for corporate customers to apply for bank loans: copy of business license, copy of legal person ID card, loan application (elements: purpose, amount, time, etc.), bank deposit account flow details, purchases and sales Contracts, investigation reports written by bank staff, etc.; materials required for individual industrial and commercial households to apply for bank loans: copy of individual industrial and commercial household business license, copy of legal person ID card, loan application (elements: purpose, amount, time, etc.), bank Deposit account flow details, purchase and sales contracts, investigation reports written by bank staff, etc.