By now, many people should have heard of loans. The handling of loans is common in the purchase of houses, but the loan is very practical, so it is not only suitable for the sale of real estate, but also requires a lot of money for the handling of enterprises. At this time, some people also need loans. What is the process of enterprise loan? What conditions should an enterprise loan meet?
By now, many people should have heard of loans. The handling of loans is common in the purchase of houses, but loans are very practical, so it is not only suitable for the sale of real estate, but also requires a lot of money for the handling of enterprises, so some people need loans at this time, but now many people don't know one thing, that is, the handling process of enterprise loans is different from that of housing loans. So what are the processes of enterprise loans? What conditions should an enterprise loan meet?
What is the process of enterprise loan?
1, enterprise application, and provide relevant materials of enterprise and guarantor (if necessary).
2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved, financial institutions and enterprises need to sign all relevant legal documents.
3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. According to the examination and approval conditions of financial institutions and the guarantee contract signed, if the enterprise needs to provide guarantee, it needs to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.
4. Loan issuance. After all the formalities are completed, financial institutions will issue loans to enterprises in time, and enterprises can reasonably control the loan funds according to the pre-agreed loan purposes.
What conditions should an enterprise loan meet?
1. An enterprise legal person with annual inspection business license, organization code certificate and tax registration certificate and full capacity for civil conduct.
2. Hold a loan card issued by the People's Bank of China (or handle it in our bank).
3. The financial system is relatively standardized and can provide the financial statements of the previous year (audited by an accounting firm).
4. Production enterprises or trading enterprises with good development prospects.
5. Good reputation, ability to perform contracts and repay debts, and no bad credit record.
6. Have a fixed residence and business premises, operate legally, and the products have a market and benefits.
7. The guarantee method of financing is mortgage or pledge. Collateral includes houses, commercial houses, production houses and state-owned land use rights. Pledges include certificates of deposit in local and foreign currencies, bank acceptance bills, life insurance policies with cash value, national bonds that can be transferred according to law or bulk commodities that meet the access conditions of our bank.
8. Loans shall be used for the needs of production and operation, and loan funds shall not flow into the securities market and futures market in any form, nor be used for equity investment or real estate project development, nor for borrowing to seek illegal income, nor for projects explicitly prohibited by laws and regulations of other countries.
What the above content mainly describes is what is my procedure for handling enterprise loans? Generally introduce what conditions should be met by enterprise loans. Everyone should be psychologically prepared for corporate loans. Because enterprise loans are difficult to handle, before this, the process must be investigated clearly, the conditions to be met must be met, and some materials to be prepared must be prepared. Otherwise, some special circumstances will appear later.
Second, how do trading companies apply for loans? No mortgage!
No mortgage. At present, I know it is Wenzhou area.
The other is Alibaba's Ali loan.
3. Is it illegal to entrust the borrower to lend money without trading background with the counterparty?
It's not illegal. According to the regulations of China Banking and Insurance Regulatory Commission, commercial banks need to review the trade contracts between borrowers and counterparties. If there is no formalities, the process of bank lending is illegal. Because the provisions of the CBRC are administrative regulations, not laws, there is no entrusted payment contract or no review of trade background, which does not lead to illegal and invalid loans.
4. How do trading companies apply for loans?
If the loan amount is not large, you can apply for an unsecured loan. It is difficult to define the fixed assets and goods of trading enterprises, and few banks can lend. If there is a sales contract, you can apply for a loan through the contract.