1. Choose a good enterprise loan type.
Pure credit: tax loan and invoice loan.
Mortgage loan: operating mortgage loan
2. Look at your own business situation.
Establishment time: the minimum establishment time for corporate loans of general banks is over 1 year, and generally it is between 1-3 years;
Company size: Many products will set different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount, quota increase, etc., such as enterprises that recruit disabled people, accept veterans' employment, or enterprises that meet other standards;
Business data: generally, the business process, tax payment data and invoice data of the enterprise are used as the reference for credit granting. The better the data, the higher the credit line;
Bad record: whether the enterprise has execution record or judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;
Industry: whether it belongs to forbidden industries (such as three highs and one limit, finance, entertainment, teaching and training, etc.). ), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;
Location: Many bank products have geographical restrictions. You can read the detailed product introduction before applying to avoid wasting credit information.
3. Conditions of opinion person/shareholder.
Age of legal person: For corporate loan products of general banks, the applicant is required to be a corporate legal person or a shareholder with more shares, and must be 18 years of age or older. In fact, most banks require them to be over 20 years old;
Legal person's credit investigation: Credit investigation is the key investigation, and it is best to have no overdue records, frequent inquiry records and white households. Products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that a large amount of money cannot be overdue for more than three times in a row, no more than three times in one month, no more than five times in two months and no more than eight times in three months.
Mortgaged property right: If the husband and wife jointly own real estate, they need to check the spouse's credit information when handling mortgage loans. Some products will relax access requirements, and assets under shareholders' names can also be mortgaged;
4. Determine the products and application methods.
At present, there are two ways: offline application and online application. The advantage of online application is that it does not need paper documents, but can be operated on a computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.
How to apply for a loan for a business license
1. The loan applicant must have a fixed office and have a local business license for one year;
2. Bring personal identity card information, raw materials and the profit form of the enterprise in recent years to the bank for a clear application;
3. Waiting for the test and audit results of the bank;
4. Sign a contract with the bank, and the bank will issue loans according to the contract.
Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration of Market Supervision.
The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred.
Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.
20 1 On September 28th, 2008, the first batch of 1 1 business licenses and1industrial product production licenses were born in G60 Science and Technology Corridor in the Yangtze River Delta. On March 1 2009, a new version of the business license was launched nationwide. On April 65438, 2065438, the Beijing Municipal Market Supervision Bureau and other six departments issued the Notice on Improving the Efficiency of Enterprise Start-up, which showed that the applicant handled business through the "electronic window" platform, and the market supervision department approved it within 1 day, and issued an electronic business license to the enterprise. Other matters are completed in parallel within 24 hours, and the enterprise can reach the operating conditions in 2-3 days.
Second, the difference between the original and the copy.
The original and duplicate of the business license have the same legal effect, and there is no difference in essence. If there is a difference, it is only a form of representation. In terms of use, it was originally "must be hung" in an obvious place in the business premises, otherwise it may be fined for not hanging the license; Copies are generally used for going out to handle business, such as handling bank account opening license, enterprise organization code certificate, tax registration certificate, signing contract, etc.
Third, the new license.
On March 1 2009, a new version of the business license was launched nationwide. All kinds of market entities approved by the registration authority to establish, change their registration and renew their business licenses shall renew their new business licenses. Various market entities that have existed before can continue to use the original business license or apply for a new business license.
The new version of the business license will print the national emblem, border, title (business license), the website of the national enterprise credit information publicity system, the official seal of the registration authority, the year, month and year, and the supervision of the State Administration of Markets. , and print a unified social credit code and number, the name and content of the recorded items, two-dimensional code and other contents, of which a copy will be printed face to face with the tips of the annual report. On March 1 2022, the Regulations on the Administration of Registration of Market Entities (hereinafter referred to as the Regulations) came into effect. On the morning of 10, Zhang Yun, the legal representative of Anhui Chen Yin Trading Co., Ltd., received the business license in the government affairs hall of Baohe District, Hefei, which was the first business license issued by our province after the implementation of the Regulations.
How to borrow a company mortgage loan?
What are the procedures and conditions of company mortgage loan?
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
How do trading companies borrow money?
Application conditions
1, which conforms to the national industry and industrial policy and does not belong to small enterprises 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. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.
Extended data:
Application material
Basic information of the company
1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.
3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.
4, nearly six months of tax bills, signed the purchase and sale contract (if any)
5. Proof of assets under the enterprise name
personal data
1, ID card of borrower and spouse
2. Identity cards of property owners and spouses
3. Household registration books of the borrower and the property owner.
4. Marriage certificate between the borrower and the property owner
5. Proof of personal assets, such as real estate, cars, stocks and bonds.
6. Personal bank flow in the past six months or a year.
According to the Interim Provisions on the Administration of Loan Companies:
Article 22
Loan companies must adhere to the business purpose of serving the development of farmers, agriculture and rural economy, and the investment of loans is mainly used to support the development of farmers, agriculture and rural economy.
Article 23
Loan companies should adhere to the principle of small amount and dispersion in issuing loans, improve the coverage of loans and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital.
Article 24
Loan companies should strengthen loan risk management, establish scientific authorization credit system, credit management process and internal control system, enhance risk identification and management capabilities, and improve loan quality.
Article 25
The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% and the asset loss reserve adequacy ratio is not less than 100% at any time.
Article 26
The loan company shall establish and improve the internal audit system, check and evaluate the implementation of internal control, correct and improve the weak links of internal control, and ensure compliance with the law.
Article 27
The loan company implements the unified national financial accounting system for financial enterprises, and establishes and improves the financial accounting system of the loan company in accordance with the relevant provisions of the state.
Article 28
The loan company shall truly record and comprehensively reflect its business activities and financial status, and prepare the annual financial and accounting report. The investor shall employ a qualified accounting firm to conduct the audit. The audit report shall be submitted to the Banking Regulatory Bureau or the local city banking regulatory bureau for the record.
Article 29
The loan company shall submit accounting statements, statistical statements and other materials to the banking regulatory branch or the local city banking regulatory bureau, and be responsible for the authenticity, accuracy and completeness of the statements and materials.