1. First look up at the XXXXXX branch/unit, then introduce yourself, explain the reason and purpose of the loan, write down the loan term, whether to repay the principal and interest or the same amount, make a guarantee to ensure timely repayment, and finally sign and press the fingerprint.
Write a tribute at the beginning of the application, that is, indicate which bank to apply for a loan from.
3. In the text of the application, state your current work unit, professional title, income, loan purpose, loan amount and repayment period. In order to ensure the smooth progress of the loan, if you use your own real estate as collateral, you should also specify what kind of real estate or movable property you use as collateral.
Generally speaking, before approving the loan application, the bank or unit will inquire about the personal information of the applicant, understand his credit standing and confirm whether he has the repayment ability. Therefore, in the loan application form, you should clearly agree that the unit or bank can inquire your information through the personal credit information system of the People's Bank of China.
5. When specifying the purpose of the loan, it should be specific. For example, I declare that this property is the nth house purchased by family loans (excluding provident fund loans).
Generally speaking, before applying for a loan, the bank will let you open an account in this branch (sub-branch) in order to facilitate the lender's repayment. Therefore, in the loan application form, it should be stated that you have opened an account according to the requirements of your bank, and indicate the specific account number.
7. Write something similar to a letter of guarantee. That is, it is guaranteed to deposit the loan principal and interest in full before each repayment period and loan maturity date, and the lender is authorized to deduct the loan principal and interest (including overdue interest and penalty interest) from the account on the monthly repayment date and loan maturity date.
8. Changing accounts often happens in life. Therefore, it should be noted in the application that if the repayment account changes, I will provide the new account information in time.
9. Clearly express that I am willing to bear the liability for breach of contract: if the account funds are insufficient and I default on the loan, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences;
10. Finally, you need to sign in the applicant's office, press your handprint, and write down your valid ID card and application date.
How to write the loan application form of rural credit cooperatives?
Loan application report
XX Credit Union:
Due to the need of XX, I have some financial difficulties. I applied for a loan of XX yuan from your company, with XX located in XX as the mortgage/pledge. The loan period is XX years, and the repayment source is XX income. I hope your credit union will support me!
I hope!
Applicant: XXX
Date, year and month
The characteristics of credit cooperatives' loans The main business of credit cooperatives is rural credit, and its business processes and technical operations are basically the same as those of national specialized banks. Therefore, the systems and measures of national specialized banks on rural credit management are equally applicable and binding in credit cooperatives. However, because the nature, status and role of credit cooperatives are different from those of national specialized banks, they have their own characteristics in the specific operation of loans:
(1) The loan targets of generalized credit cooperatives involve various ownership systems and fields in rural areas, including:
1. Contractors, specialized households and rural cooperative business units engaged in agriculture, forestry, animal husbandry, sideline and fishery.
2. Township (town) offices, village offices, organization offices, household registration offices and various forms of joint ventures or new economic complexes that have been approved by relevant departments to implement independent accounting.
3. There are rural cultural, educational, health and scientific research institutions that guarantee operating income and repayment.
4 rural individual economic households and economic associations engaged in handicrafts, commerce, transportation, construction and service industries with the approval of relevant departments. In addition, credit cooperatives with strong financial strength can also provide loans to enterprises and institutions within the credit scope of national specialized banks. Of course, due to the nature of credit cooperatives, the focus of their loan support is agricultural production, and others can only support according to their abilities on the premise of meeting the demand for agricultural production funds.
Loan application report
Chapter 1: Loan Application Report
Credit cooperative:
I am male, married, living in my home, born in June of 19, with ID number: and native place:. I have been engaged in landscaping, lighting and landscape engineering for 20 years, and registered the city Tianyi Garden Co., Ltd.
Our company signed a greening construction contract with the construction project management department of South Avenue, the county seat of Jiangxi Jizhou Construction Engineering Group Co., Ltd. The total cost of the project is 7 million yuan. Because the project needs to be paid in full, there is a big funding gap. Therefore, I hereby apply to your bank for a mortgage loan of RMB10,000.00 yuan with my respective properties as collateral, with a term of two years to ensure the repayment of principal and interest on schedule. I forgot to approve it.
Applicant: The date is 20 years.
Chapter II: Loan Application Report
XX Sub-branch of Agricultural Bank of China:
XX commercial and residential community is a high-grade residential community developed and built by XX Limited Liability Company. Among them, the planned building X, building X and building X under construction cover a total area of more than X mu, with a total construction area of X, designed to accommodate more than 180 households and a population of more than 600 people. The residential building design is unique and novel, with many new materials, new processes and new technologies, reasonable architectural layout and suitable sunshine. It is the first choice for people to live a healthy and harmonious life in accordance with the latest national building standards of energy saving, emission reduction and environmental protection. The whole XX community plans to invest X, which will be completed in three years. Building X Building X Building X Building X is the third-phase construction project of the community, with a total construction area of X? 180 houses, 16 commercial shops are under construction. After the completion of the four main buildings in the third phase of "Qingshan Garden", the building is valued as XX at the current market price. According to the current sales statistics, as many as two-thirds of the buyers need to apply for mortgage loans, and it is estimated that they need to borrow XX million yuan. Therefore, we apply for housing mortgage loan from Agricultural Bank of China to promote sales and enliven the market.
I hereby apply for the approval of China Agricultural Bank.
Applicant: XX
X year x month x day
Chapter III: Loan Application Report
Xx Branch of XX Bank:
Xxxx Construction Engineering Co., Ltd. Cement Products Factory was established on March 28th, 2008. Located 300 meters south of Yangshan Station, it covers an area of 90,000 square meters. It has two gantry cranes, cement pipe production, hollow bricks and other large-scale equipment of more than 3 million yuan, and two new warehouses with a usable area of 2,000m2. Since its establishment, it has been engaged in the wholesale and retail business from the production of prefabricated components to building materials. () Our factory is rich in resources, with strong operational capability and good overall operation. In the process of operation, we abide by the law and pay attention to honesty, and have achieved good economic benefits. In recent years, with the rapid development of real estate and construction industry, the demand for cement prefabricated products and building materials will maintain rapid growth in the next few years, which will provide greater development space and opportunities for our cement products factory.
In order to seize the development space and good opportunities provided by the market, our factory will expand the production scale of cement prefabricated products and the storage capacity of building materials this year. At present, in operation, our company has signed a cement procurement contract with a cement plant with a production capacity of 10000 tons and a steel contract with the company with a production capacity of 1000 tons. Due to the expansion of business scale, the inventory of building materials has increased, and its own funds are insufficient. I hereby apply to your bank for a working capital loan of RMB 2 million with a term of one year. The source of repayment is the company's operating income, and the land of our factory (with an area of 90,000 square meters) is used as the mortgage guarantee. Please reply.
Hereby apply!
Xxxx engineering co., ltd. cement products factory
201feb 10
Chapter IV: Loan Application Report
With the demand of the market, our company's business is developing continuously, and the original production capacity can no longer meet the current market. In order to expand the production scale, we applied for a loan from your bank because we need 2 million yuan. The loan application report is as follows:
I. Basic information of the company
1. Basic information of the company
Our company was established on April 8, 2006/KLOC-0, with the name of xxxx Food Co., Ltd. and the address of X Economic and Technological Development Zone. The company is a limited liability company with a registered capital of RMB xxx million and a registration number of xxxxx, and its business scope covers the processing and sales of roasted and cooked bittern. Hygiene license:No. xxxx(2007)3 XXX, with 2 employees 15, including 38 managers and 30 salesmen, selling special vehicles15.
Over the years, the company has been sincere and trustworthy, taking quality first and customer first as its purpose, which has improved the operating conditions of the enterprise year by year, improved its operating efficiency and enhanced its corporate image year by year. The company has been commended by relevant government departments for many times: in June 2004, the X Municipal Committee awarded foreign-funded and key private enterprises "legal rights protection cards", and in March 2005, it was awarded the honorary title of "Integrity Unit" in 2004 and 2005 by the Consumers Association of X City. In 2005 1 month, it was awarded the title of "Glorious Star" in 2004 by private enterprises directly under the Administration for Industry and Commerce of X City. June 5438 +20051October X City Consumers Association awarded the honorary title of "X" series of braised dishes recommended by Consumers Association; On March, 2006 10, the district was awarded the "100-city, 100,000 stores without fake goods" demonstration store in X city; June, 2006 10 was awarded as "municipal key leading enterprise of agricultural industrialization in X city" by the leading group of agricultural industrialization cooperation in X city; In March 2007, it was awarded "X Top Ten Famous Specialty Products" by X Municipal Economic and Trade Commission and US Food and Drug Administration. In the same year, it was rated as "Qualified Product in xxx Province" by the Bureau of Quality and Technical Supervision of xxx Province and awarded the first "QS" certification by the General Administration of Quality Supervision, Inspection and Quarantine. In March, 2008, 15 was awarded as "Advanced Unit of Integrity Commitment" by xxx Province.
2. Main products and product sales
The products produced by the company include baking, marinated products (marinated vegetables) and cold dishes, production and addition.
Advanced technology, skillfully using authentic Millennium traditional formula, combined with modern high-tech halogen baking technology, skillfully using more than 60 kinds of natural precious medicinal materials, fine processing. The raw materials of the processed products come from rural areas and are green products, which make the products spicy, delicious and bright in color, and have the unique effects of promoting fluid production, refreshing, nutrition and health care.
The company's series of marinated products have formed more than five series (barbecue, marinated, cold salad, fried and steamed) 100 varieties. The main products are sauced duck, marinated duck feet, marinated duck wings, bamboo shoots, money legs, duck wing roots, crispy duck and marinated beef. The company's products have been recognized by consumers and relevant authorities: 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 well-known brands for women and children. At present, the products are mainly sold to most counties and cities such as xxxx, Xinyu and Ji 'an. And the sales method is direct selling, and now it has grown to more than 60.
3. Assets and liabilities of the company
In March 2008, the company's total assets were RMB 65,438+0,096,5438+0,565,438+0,000, including working capital.
The output is 4.36 million yuan, the fixed assets are 24 1.6 million yuan, and the intangible assets and deferred assets are 4 1.36 million yuan. The total liabilities are 2.974 million yuan, and the asset-liability ratio is 27.2%. Company basic account is in Yuanzhou Sub-branch of Agricultural Development Bank, and has not borrowed from any financial institution.
4. Operating conditions in recent years
The company strictly controls the product quality, and the output value and operating efficiency are improved year by year.
The operation in recent three years is as follows:
With the improvement of people's living standards, roasted halogen products are becoming more and more popular and the demand is increasing. Their products are inexpensive and have broad market prospects.
However, at present, a considerable number of baked halogen products on the market are processed by indigenous methods, which are small in scale, outdated in technology and poor in sanitary conditions, affecting people's health. Our company has a modern factory building, adopts domestic first-class processing equipment and production technology, and produces "X" products with good quality, which meet the national hygiene standards and are trusted by consumers. "X" products are deeply loved by consumers.
"X" insists on sales as the leader, science and technology as the guide, quality management as the guarantee, consumers as the god, and creating a first-class brand as the purpose, strengthens enterprise development, and makes every effort to promote the diversified transfer from flavor food to green food, from primary processing to high value-added deep processing, from single operation to diversified operation, to management for efficiency and to improve market competitiveness.
The company plans to establish 100- 150 chain stores in recent years, covering the whole province and promoting them outside the province. Gradually make the enterprise develop into one of the few export-oriented and high-tech private enterprises in the food industry in the province.
In order to improve the market competitiveness and ensure the supply of its own raw materials, the company will implement the development idea of agricultural industrialization in the future and establish a number of stable raw material source bases. Improve their own competitiveness from the product quality. In recent years, more than two poultry breeding bases, one soybean raw material base and one beef base, will be established, and the mode of company-based farmers will be adopted to realize the win-win situation of the company, the base and the farmers, improve the enterprise benefits and achieve the purpose of improving social benefits.
In a word, "X" products are very competitive and have a good market prospect.
Third, the business plan for this year
In 2008, the business plan is to produce 1000 tons of roasted brine, and the planned annual output value is 30 million yuan;
The sales income is 25 million yuan, and the profit is 6.5438+0 million yuan. The future annual output value and profit will increase by 654.38+00%.
Four. Purpose and duration of the loan
This application for a loan of 2 million yuan is used to purchase raw materials and some equipment. On the basis of accelerating the average turnover rate by 65,438+00% in the first three years, it is necessary to increase the working capital by 4 million yuan, and the source of funds is 2 million yuan, and the application for payment is 2 million yuan.
The loan term is one year and can be recycled.
The loan applied for this time can be mortgaged with the factories and land in the industrial park under the ownership of the company. The value of these assets exceeds 4 million yuan, which is enough for the mortgage of this loan.
In short, our company will use the payment according to your requirements to ensure the timely return of the payment.
Please reply to the above application.
How to write a loan report to the chairman?
Write seriously and truly.
1. Summarize the basic situation of enterprises.
2. Describe the purpose, amount and specific content of the loan in detail.
3, indicate the repayment date,
4. Express the benefits of the loan.
So much for the introduction of how to write a loan report.