2. Have business license, tax registration certificate, code certificate, etc. , and can provide relevant records of tax payment on time.
3. The company has been registered and operated for more than one year, and its turnover in the latest year is more than three times the loan amount.
4. Being able to provide collateral recognized by the bank.
Under normal circumstances, the interest rate of corporate mortgage is higher than that of ordinary loans. Generally, the national benchmark interest rate rises by 65,438+00%-30%, and the loan amount is generally 50-70% of the collateral.
First, the information required for enterprise mortgage loans includes:
1, business license and annual inspection certificate of the latest year;
2. The organization code certificate and annual inspection certificate of the last year;
3. The tax registration certificate and annual inspection certificate of the last year;
4, the legal representative's identity certificate and signature sample or seal;
5. Articles of association;
6. A written document in which the mortgagor agrees to provide mortgage guarantee;
7. State-owned land use certificate, house ownership certificate and house ownership certificate owned by the mortgagor;
8. Other supporting materials.
Second, what process does the enterprise mortgage loan need?
1. First, call the enterprise consultation hotline to find out the relevant loan types, corresponding interest rates, loanable period and repayment methods of the bank, and judge and choose the loan that suits you.
2. Ask whether the bank unit has a loanable amount and whether the collateral bank accepts it (mainly to explain the nature, area and construction period of the property to the bank staff). If necessary, let the bank staff check their personal bad records first, mainly to see whether they meet the bank's loan conditions.
3. Evaluate the real estate according to the requirements of the bank (some banks are exempt from direct appraisal, but the appraisal value is low) +2. The information of the suite+the original proof of use (such as the purchase contract and agreement)+the wife or husband himself goes to the bank to discuss specific matters, fills in the loan application form and signs a lot of names.
The bank staff will communicate with you, give you reasonable opinions and suggestions, and formally accept your loan application.
5. The bank will sign the contract after the account manager's inspection, the examiner's examination and the approver's final approval, and then take his wife or husband to the State Land and Housing Authority to mortgage the property.
6. After mortgage, the bank can lend money after obtaining other warrants.
Three, enterprise loans must meet several basic conditions:
1. It must be approved by the State Administration for Industry and Commerce, registered and hold a business license;
2, the implementation of independent economic accounting, independent operation, self financing, with the ability to repay the principal and interest on schedule;
3. Have a certain self-owned capital and product market, and at the same time, production and operation need to be profitable;
4. Abide by laws and regulations and open basic account and general deposit accounts in banks as required;
5. The asset-liability ratio must meet the requirements of banks.
legal ground
Article 25 of the general principles of loans
Loan application:
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.