Loan Application Report

Part 1: Loan Application Report

Credit union:

I am male, married, living at home, 19 Born in January, 2018, ID number: , Place of Birth: . He has been engaged in landscaping, lighting, and landscape engineering for 20 years. In 2020, he registered Tianyi Garden Co., Ltd.

Our company signed a greening construction contract with the County South Avenue Construction Project Management Department of Jiangxi Jizhou Construction Engineering Group Co., Ltd. on March 20, 2020. The total project cost is 7 million yuan, because the project requires The capital is fully advanced, so the funding gap is large. Therefore, I would like to apply for a real estate mortgage loan of 10,000 yuan from your company with a term of two years. I will use my own real estate as a mortgage to ensure that the interest is paid on time and the principal is returned as planned. I forgot to approve it.

Applicant: 20th month and day

Part 2: Loan application report

Agricultural Bank of China XX Branch:

XX Commercial and Residential The community is a high-end residential community developed and constructed by XX Co., Ltd. Among them, the proposed Building X and Building X and the Building X and Building X currently under construction cover a total area of ??more than X acres, with a total construction area of The design of the buildings in the community is unique and novel, using a number of new materials, new processes, and new technologies. The building layout is reasonable, the sunlight is suitable, and it is implemented in accordance with the latest national energy-saving, emission reduction, green, and environmentally friendly building standards, making it a healthy and harmonious life for people. preferred target. The entire XX community plans to invest in X and it will be completed in three years. Building X, Building X, and Building X are the third phase construction project of the community, with a total construction area of After the completion of the four main buildings of Phase 3 of "Qingshan Garden", the buildings will be worth XX according to the current market price. According to current sales statistics, as many as 2/3 of the home buyers need to apply for mortgage loans, and it is estimated that a loan of XX million yuan will be needed. Therefore, I applied for a residential mortgage loan from the Agricultural Bank of China to promote sales and invigorate the market.

I hereby apply for approval from the Agricultural Bank of China

Applicant: XX

Day X, month X, year

Part 3: Loan application Report

×× Bank ×× Branch:

×××× Construction Engineering Co., Ltd. Cement Products Factory was established on March 28, 2008. It is located 300 meters south of Yangshan Station. It covers an area of ??90,000 square meters, has two gantry cranes, cement pipe production and hollow bricks and other large-scale equipment worth more than 3 million yuan. It has two newly built warehouses with a usable area of ??2,000 square meters. Since its establishment, it has been engaged in the wholesale and retail business of building materials from pre-component production. () Our factory is rich in resources, has strong operating capabilities, and the overall operating situation is good. It abides by laws and regulations in the operation process, pays attention to integrity, and has achieved good economic benefits. In recent years, with the rapid development of the real estate and construction industries, the cement The market demand for prefabricated products and building materials will maintain rapid growth in the next few years, which will provide our cement products factory with greater development space and opportunities.

In order to seize the development space and good opportunities provided by the market without losing the opportunity, our factory will expand the production scale of cement prefabricated products and the storage capacity of building materials this year. At present, our company is in operation and has signed cement purchase contracts with cement plants and others for 10,000 tons, and signed steel contracts with companies for 1,000 tons. Due to the expansion of business scale and increase in building materials inventory, self-owned funds are insufficient. I would like to apply for a working capital loan of 2 million yuan from your bank with a term of one year.

The source of repayment is the company's operating income, and the land of our factory (an area of ??90,000 square meters) is used as a mortgage guarantee. We sincerely request your approval.

Apply now!

×××× Engineering Co., Ltd. Cement Products Factory

February 10, 201

Part 4: Loan Application Report

With the demand of the market, our company's business continues to develop, and the original production capacity cannot meet the current market. It is necessary to expand the production scale. Since we need funds of 2 million yuan, we have applied for a loan from your bank. The loan application report is as follows:

1. Basic information of the company

1. The company Basic information

Our company was established on April 18, 2001, with the name: xxxx Food Co., Ltd., address: x City Economic and Technological Development Zone, the company type is a limited liability company, and the registered capital is RMB xxx million yuan , the registration number is xxxxx, and its business scope is the processing and sales of roasted braised vegetables and cooked food braised vegetables. Health license: xxxx word (2007) No. 3xxx, currently has 215 employees, including 38 managers, 30 sales staff, and 15 special vehicles for sale.

Over the years, the company has been honest and trustworthy, with the purpose of quality first and customer first, which has improved business operations year by year, increased operating efficiency year by year, and improved corporate image year by year. The company has been commended by relevant government departments many times. : In June 2004, the x Municipal Party Committee and Municipal Government issued the "Legal Rights Protection Plaque" to foreign-invested and key private enterprises. In March 2005, it was awarded the honorable title of "Integrity Unit" by the x Municipal Consumer Association in 2004 and 2005; Won the title of "Glory Star" in 2004 for private enterprises directly under the administration of x City Administration for Industry and Commerce; in October 2005, the x City Consumers Association awarded the "x" series of braised foods the honorary title of "Consumers Association Recommended Products"; March 10, 2006 Japan District was awarded the "No Counterfeit Products in One Hundred Cities and Thousands of Stores" Demonstration Store in It was rated as one of the "Top Ten Famous Specialties of xx" by the xx Municipal Economic and Trade Commission, the Municipal Food and Drug Administration and other departments; in the same year, it was rated as "xxx Provincial Quality Qualified Product" by the xxx Provincial Quality and Technology Bureau, and won the xx award from the State Administration of Quality. The first "QS" certified meat food enterprise in the city; on March 15, 2008, it was rated as "Advanced Unit of Integrity Commitment" by xxx Province.

2. Main products and product sales

The products produced by the company include grilled and braised products (braised vegetables) and cold dishes. The production and processing are advanced.

The company skillfully uses authentic thousand-year-old traditional recipes and combines them with modern high-tech roasting and braised technology. , the wonderful use of more than 60 kinds of natural precious medicinal materials and ancestral recipes, carefully processed. The raw materials of the processed products come from rural areas and are green products, which make the products spicy and refreshing in quality, clear in color, and have the unique effects of promoting body fluids, refreshing, nutritious and health care.

The company's series of roasted braised products have formed 5 major series (BBQ, braised, cold, stir-fried, steamed) with more than 100 varieties. Its main products are sauce duck, braised duck feet, and braised duck wings. , bamboo shoots, money leg, duck wing root, crispy duck, braised beef, etc. The company's products have been recognized by consumers and recognized by relevant authoritative departments: the product trademark "x" has been approved by the State Administration for Industry and Commerce.

"x" products have a good reputation in xxx province and are a good brand known to women and children. At present, the products are mainly sold to most counties and cities such as Xxxx, Xinyu, Ji'an, etc. The sales method adopts direct sales and has grown to more than 60 companies.

3. The company's assets and liabilities

In March 2008, the company's total assets were 10.9151 million yuan, of which current assets

were 4.36 million yuan and fixed assets were 2.416 million yuan. million, intangible assets and deferred assets of 4.136 million yuan. The total liabilities are 2.974 million yuan, and the asset-liability ratio is 27.2. The company's basic account is at the Yuanzhou Branch of the Agricultural Development Bank of China, and it has not borrowed a loan from any financial institution so far.

4. Operations in recent years

The company strictly controls product quality, and its output value, output, and operating benefits have increased year by year.

In the past three years, The business situation is as follows:

With the improvement of people's living standards, grilled braised products are becoming more and more popular and the demand is constantly increasing. Its products are cheap, high-quality and have broad market prospects.

However, a considerable part of the grilled braised products currently on the market are processed by local methods, with small scale, outdated technology, backward technology and poor sanitary conditions, which affects people's health. Our company has a modern factory building and uses domestic first-class processing equipment and production technology. The "x" products produced are of high quality and comply with national health standards. They are products trusted by consumers. "x" products are deeply favored by consumers. favorite.

"x" insists on taking sales as the leader, technology as the forerunner, quality management as the guarantee, consumers as the god, and creating first-class brands as the purpose, strengthens enterprise development, and fully promotes the transformation from taste-based foods to Move to diversified green food, shift from primary processing to high value-added deep processing, shift from single operation to diversified operation, seek benefits from management, and improve market competitiveness.

The company plans to establish 100-150 chain stores in the next few years to cover the entire province and promote its products outside the province. Gradually, the company has developed into one of the few export-oriented, technology-based private enterprises in the province's food industry.

In order to improve market competitiveness and ensure the supply of its own raw materials, the company will implement agricultural industrialization management and development ideas in the future and establish a number of stable raw material source bases. Improve one's own competitiveness from the quality of products. In recent years, we will establish more than two poultry breeding bases, establish a soy product raw material base, and establish a beef base. We will adopt the model of company base farmers to achieve a win-win situation for the company, base and farmers, improve corporate efficiency, and achieve improved social benefits. purpose.

In short, "x" product is extremely competitive and has good market prospects.

3. This year’s business plan

The business plan for 2008 is to produce 1,000 tons of roasted brine, with an annual planned output value of 30 million yuan;

Sales revenue of 25 million yuan , achieving a profit of 1 million yuan. In the future, the annual output value and profit will increase at a growth rate of 10%.

4. Loan Application Purpose and Loan Term

The loan applied for this time is 2 million yuan, which will be used for the purchase of raw materials and the purchase of some equipment. On the basis of the average turnover speed of the previous three years, which has increased by 10%, it also needs to increase working capital by 4 million yuan. Its source of funds is self-raised 2 million yuan and application for payment of 2 million yuan.

The loan term is one year and will be used on a rotating basis.

The loan applied for this time can be mortgaged by the industrial park factories and land under the ownership of the company. These assets are worth more than 4 million yuan, which is sufficient for the mortgage of this loan.

In short, our company will use the payment according to your bank's requirements to ensure that the payment is returned on time.

Please approve the above application.

What procedures and conditions are required for enterprise loans?

Conditions required for enterprise loans: 1. Comply with the national industry and industry policies, and are not small businesses with high pollution and high energy consumption; 2. .The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. It has a business license approved and registered by the industrial and commercial administration department and has passed the annual inspection, and holds a loan card issued by the People's Bank of China and subject to normal annual inspection; 4. It is necessary The organizational structure, operation management system and financial management system have a fixed basis and business location, are operated legally, and the products have a market and are profitable; 5. Have the ability to fulfill the contract and repay debts, have a good willingness to repay, and have no bad credit records. Asset risks are classified as normal or concerns affected by non-financial factors; 6. The business operator or actual controller has more than 3 years of working experience, is of good quality, and has no bad personal credit record; 7. The business operation situation is stable, and the age of establishment is the principle have been in business for more than 2 years (inclusive), have at least one or more fiscal year financial reports, and have sales revenue growth and positive gross profit for 2 consecutive years; 8. Comply with the establishment of industry credit policies related to small business business; 9. Be able to Comply with national financial regulations, policies and relevant bank regulations; 10. Open a basic settlement account or general settlement account at the applicant bank.

Procedures for corporate loans: (1) Application: The company submits a loan guarantee application; (2) Inspection: Examine the company’s operating conditions, financial situation, mortgage assets, tax payment situation, credit situation, and business owner situation , initially determine whether to guarantee or not; (3) Communication: Communicate with the lending bank to further understand the company information provided by the bank, and clarify the amount and term of the bank's proposed loan; (4) Guarantee: Appraisal of the loan guarantee and counter-guarantee agreement, assets with the company Legal procedures such as mortgage and registration, and signing of guarantee contracts with lending banks to formally establish guarantee relationships with banks and enterprises; (5) Loans: Banks grant loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees from enterprises; (6) Tracking: Track the company's loan usage and company operations, and most directly track and examine the company's operating status through the company's quarterly tax payment, electricity consumption, and cash flow growth or decrease.

The "Civil Code" stipulates that guarantors must have certain qualifications, and public institutions, social groups such as state agencies, schools, kindergartens, hospitals, etc. for public welfare are not allowed to be guarantors. However, in actual work, some loans use some state agencies as guarantors. Since state agencies and public institutions rely on fiscal appropriations for expenditures, the units have no right to handle the assets they own. In fact, this guarantee becomes an invalid guarantee.

Company mortgage loan application process

The company loan process is to first apply to the lender and submit proof that the company has the ability to continue operating and has legal sources of repayment. The materials are then reviewed by the lender, and the loan is finally issued to the account applied for by the company.

Article 3 of the "Interim Measures for the Administration of Working Capital Loans". The term "working capital loan" as mentioned in these Measures refers to the loans issued by the lender to enterprises (public institutions) legal persons or other organizations that can be borrowers as stipulated by the state. Loans in domestic and foreign currencies used for the borrower's daily production and operation turnover. Article 11 of the "Interim Measures for the Administration of Working Capital Loans" The application for working capital loans shall meet the following conditions: (1) The borrower is established in accordance with the law; (2) The purpose of the loan is clear and legal; (3) The borrower's production and operation are legal and compliant; (4) The borrower has the ability to continue operating and has legal sources of repayment; (5) The borrower has good credit status and has no major bad credit records; (6) Other conditions required by the lender. Article 12 of the "Interim Measures for the Administration of Working Capital Loans" stipulates that lenders should set forth requirements for the method and specific content of working capital loan application materials, and require borrowers to abide by the principle of honesty and trustworthiness and promise that the materials provided are true, complete and effective.

What is the mortgage process for a real estate company?

In the past few years, real estate matters were very hot, and we all know this. Regarding real estate issues, we all know that real estate prices are relatively high, and sometimes our real estate companies need loans, so we will encounter real estate mortgages for loans.

So what is the mortgage process for real estate companies? 1. The developer proposes a mortgage loan cooperation intention to the lending bank; 2. The lending bank investigates the developer’s development projects, construction qualifications, credit rating, conduct of the person in charge, corporate social goodwill, technical strength, operating conditions, and financial situation, and Sign a mortgage loan cooperation agreement with a qualified developer; 3. The home buyer signs a "Commercial Housing Sales Contract" with the developer, and pays the required down payment according to the contract requirements; 4. Within seven days from the date of payment of the down payment The home buyer provides information that meets the requirements of the mortgage bank and directly applies for a mortgage loan to the developer's cooperative bank. Specifically include: "Commercial Housing Sales Contract" (registration), house purchase down payment receipt, ID card, marriage certificate, income certificate and other information that the bank deems necessary; 5. The lending bank investigates all aspects of the home buyer's situation and procedures. , review, and go through preliminary procedures with home buyers (including the home purchaser’s spouse) who meet the basic conditions, including loan application, contract repayment statement, commitment, conversation transcript, loan contract, IOU, etc.; then the home purchaser will apply for the loan If you open a deposit account or bank card with a bank, the bank will report it to the superior bank for approval; 6. The application approval period is generally within 7 days. For those who exceed this period, the marketing department will promptly contact the bank to understand the situation and solve the problem, actively assist the home buyer to apply for the loan, and sign the stage guarantee procedures with the mortgage bank in a timely manner; 7. Handling of problem customers: (1) For those who are in the application stage If a home buyer applies to cancel the mortgage loan due to his or her own reasons, the home buyer should pay off the balance in a one-time payment within 20 days from the date of cancellation; (2) When the loan amount finally approved by the bank does not reach the total mortgage amount, The buyer should make up the balance within 10 days from the date of bank approval; (3) If the buyer is not approved for the bank mortgage loan due to various reasons such as credit, identity, repayment ability, etc., the seller will not check out. According to the actual situation, if the preferred adjustment loan bank applies separately, but it is still not approved, the purchaser can be changed upon application by the home purchaser. The contract purchaser can be changed to a relevant person who has a family or kinship relationship with the home purchaser. The marketing department should apply for cancellation of the commercial house in a timely manner. Sales contract, signed separately. If the home buyer does not agree to change the contract, he should pay off the house in a one-time payment within 30 days from the date the bank mortgage loan is not approved. Any breach of contract will be enforced in accordance with the relevant provisions of the contract; (4) For long-delayed loans, For customers who apply for mortgage loans, the sales staff should establish a supervision mechanism and record the telephone notifications. If three consecutive notifications (within 15 days) are not handled, default fees should be calculated and charged in accordance with the contract; 8. After the loan bank approves the home buyer's loan, The company will issue payment receipts and invoices to the house purchaser based on the invoice; 9. In the future, as long as the borrower leaves the full repayment amount in the deposit account or bank card before the 20th of each month (quarterly), the loan bank will collect the payment from the borrower. It will be automatically deducted from the account and fully settled upon maturity; 10. After the loan is repaid, the lending bank will cancel the collateral and return it to the customer. The procedures for commercial housing mortgage loans are mainly reflected in Article 6 of the "Personal Housing Loan Management Measures". Based on the actual operation, there are mainly the following steps: (1) The home buyer signs a housing purchase contract with the developer and pays a minimum of 20 down payment. (2) Applicants who meet the mortgage loan conditions apply to relevant financial institutions and provide true personal information. Here I would like to remind everyone that when purchasing off-plan properties, the financial institutions are mainly branches or sales departments of commercial banks, and applicants do not have the possibility to choose financial institutions. Generally, they must apply to financial institutions that have a specific business relationship with the seller. Apply. (3) The handling financial institution will review and verify the applicant's loan conditions and decide whether to obtain a mortgage loan; (4) The borrower and the lender sign a mortgage loan contract. If the borrower chooses to repay the loan through automatic transfer, he/she shall Open a repayment account in the bank and apply for a savings card; (5) Go through the guarantee, guarantee or insurance procedures; (6) The lender accepts the borrower's entrustment and transfers the mortgage loan to the developer's account in accordance with its instructions. Regarding the mortgage process of real estate companies, we should analyze it from two aspects, because our properties are generally divided into two types: commercial housing and housing.

The procedures for these two situations are definitely different, but there are many similarities. They all require corresponding guarantees and guarantee procedures, and applications need to be mentioned to the bank.

What are the application conditions for company mortgage loans?

The basic application conditions for company mortgage loans are:

1. The company has been registered and operated for more than one year, and has a turnover of It is more than 3 times the loan amount;

2. A valid business license, code certificate, tax registration certificate, etc. can be provided;

3. The company has no bad credit record;

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4. Other application conditions required by local banks.

If it is your first time to apply for a company mortgage loan, you can first call the bank's customer service hotline, explain your purpose, and then inquire about the company mortgage loan related procedures and required application materials.

This is the end of the introduction on how to write a company mortgage loan application and a company application for a loan. I wonder if you found the information you need?