A, small and medium-sized enterprises or companies how to bank loans
I hope the following comments are helpful to you (I read the finance ~ ~ ~ huh)
If you are applying for a company to the bank business, just want to get cash and the above practices, is not desirable.
Banks provide company loans is the purpose of the provisions of the general "working capital loans" and "fixed asset loans", the former generally need collateral, your fixed assets can be used as collateral for loans, but the loan amount should not be higher than 30,000 / 50,000, the funds can be used for cash turnover; the latter is to solve the project for capital construction or technical issuance of engineering and construction projects, technology, the purchase of equipment, The latter is to solve the long-term financial needs of capital construction or technical issuance projects, technology, equipment acquisition, installation and other aspects of the loan, if you are for the purchase of fixed assets, it is recommended to use this loan, but the amount of small and medium-sized enterprise loans is not high.
If you use the money to buy a house in the name of a private person, it is against the rules and is not allowed, you have to buy in the name of the company.
You mean to apply for a mortgage. Unless you are able to pay off the price of the house in one lump sum (for a house bought with a "fixed-asset loan") and take full ownership of the house, the bank will generally not accept the house as collateral for a loan; if it does, you'll be rolling up the debt, and the bank's risk is too great.
You won't get a very high loan amount for a "fixed asset loan", so you'll have to find the money to pay off the house in one go; a riskier but quicker option would be to get a "small amount" by pledging your personal assets as collateral, but then you'd be lending to yourself, and you'd be the debtor.
If your company is doing high-tech and other policy-supported business, it's easier to get a loan; if it's in the restaurant business, you can get a joint venture, which is easier than a bank loan.
Since the guarantor in most of the loan contracts are paid joint and several liability, so the guarantor is more difficult to find.
Small and medium-sized enterprises or companies how to get a bank loan?
One, the enterprise to successfully obtain a loan, must have the following conditions:
1, the enterprise was established more than one year, the business entity growth is good, in a profitable state;
2, good prospects for development, no bad business behavior or practice records;
3, non-credit, guarantee type of business;
4, The gearing ratio is less than 50% or less;
5. Net assets are greater than 50% of total assets.
Two, the process of handling business loans:
1, the corporate borrower to the bank application, submit the relevant materials;
2, property assessment, pre-lending investigation, approval;
3, approval through the registration procedures;
4, the bank loan;
5, the borrower in accordance with the contract on schedule to return the Loan principal and interest;
6, loan repayment, remove its mortgage formalities.
Third, the application for business loans required materials:
(1), the application letter
Statement of the purpose of the loan, the amount of money, the period, the source of repayment, the repayment method.
(2) Proof of the purpose of the funds and the source of repayment.
Economic contracts describing the main business performance and the use of funds, purchase and sales contracts or other economic and commercial contract documents.
(3) Consent to Loan Resolution
Valid resolution of the shareholders' meeting or board of directors agreeing to the loan.
(4), enterprise profile
Description of history, management experience, organizational structure (including the number of employees), industry and market situation, product introduction, technology, total assets, sales.
(5), enterprise legal person resume
Describe the cultural level, work experience, position, etc..
(6), financial information
1, a copy of the last two annual audit report.
2. Balance sheet, profit and loss account, cash flow statement and tax return for the last two years and recently.
3, the previous year and recent copies of tax stamps (provided at least six months).
4, the main account bank account number and recent bank statements (at least six consecutive months of the main settlement account flow).
5, utility bills (provide the previous year and the recent six months of payment).
(7), enterprise legal person, major shareholders of credit information and related identification
1, legal representative, certificate, a copy of ID card, a copy of marriage certificate.
2. A list of assets of the enterprise and the actual controller and major shareholders.
3, loan card inquiry records, "the basic credit information report of the enterprise detailed version" To the lending bank to print the legal representative, the main shareholders family members of the personal credit report.
(8), the basic information of normal business operations
1, a copy of the business license after the annual inspection of the enterprise, organization code certificate, tax registration certificate, account opening permit;
2, a copy of the effective filing of the statute; partnership must also provide a copy of the partnership agreement, contracting and leasing enterprises must also provide a copy of the contracting and leasing agreement;
3, A copy of the capital verification report (establishment and successive changes);
4, industrial and commercial query information, "Enterprise Registration Information Table";
5, the state provisions of the special industries, must provide the authoritative departments of the license, approval or filing documents; effective special industry business license, qualification certificate, patent certificate copy;
6, according to the provisions of environmental protection licenses, must provide the authoritative departments of the environmental protection license issued by the government, must provide the authoritative departments of the environmental protection license issued by the government. Must provide the authorized department issued by the environmental protection license.
Note: such as the above materials, are required for the loan, individual banks will have other requirements for materials, in the process, the bank will be informed of the relevant responsible person.
Three, small and medium-sized enterprises or companies how to bank loans
One, the enterprise to successfully obtain a loan, you must have the following conditions:
1, the enterprise was established more than one year, the business entity growth is good, in the state of profitability;
2, have a good prospect of development, no bad business behavior or practice Record;
3, non-credit, guarantee type of business;
4, gearing ratio of less than 50% or less;
5, net assets greater than 50% of total assets.
Two, the process of handling business loans:
1, the corporate borrower to the bank application, submit the relevant materials;
2, property assessment, pre-lending investigation, approval;
3, approval through the registration procedures;
4, the bank issued a loan;
5, the borrower according to the contract on schedule return Loan principal and interest;
6, loan repayment, remove its mortgage formalities.
Three, the application for business loans required materials:
(1), the application letter
Description of the purpose of the loan, the amount, duration, repayment sources, repayment methods.
(2) Proof of the purpose of the funds and the source of repayment.
Description of the main business performance and the use of funds for economic contracts, purchase and sales contracts or other economic and commercial contract.
(3) Consent to loan resolution
Valid shareholders' meeting or board of directors' resolution agreeing to the loan.
(4), enterprise profile
Description of history, management experience, organizational structure (including the number of employees), industry and market conditions, product introduction, technology, total assets, sales.
(5), enterprise legal person resume
Description of cultural level, work experience, position, etc..
(6), financial information
1, a copy of the last two annual audit report.
2. Balance sheets, profit and loss statements, cash flow statements, and tax returns for the last two years and recently.
3, the previous year and recent copies of tax stamps (provided at least six months).
4, the main account bank account number and recent bank statements (at least six consecutive months of the main settlement account flow).
5, utility bills (provide the previous year and the recent six months of payment).
(7), enterprise legal person, major shareholders of credit information and related identification
1, legal representative, certificate, a copy of ID card, a copy of marriage certificate.
2. A list of assets of the enterprise and the actual controller and major shareholders.
3, loan card inquiry records, "the basic credit information report of the enterprise detailed version" To the lending bank to print the legal representative, the main shareholders family members of the personal credit report.
(8), the basic information of normal business operations
1, a copy of the business license after the annual inspection of the enterprise, organization code certificate, tax registration certificate, account opening permit;
2, a copy of the effective filing of the statute; partnership must also provide a copy of the partnership agreement, contracting and leasing enterprises must also provide a copy of the contracting and leasing agreement;
3, A copy of the capital verification report (establishment and successive changes);
4, industrial and commercial query information, "Enterprise Registration Information Table";
5, the state provisions of the special industries, must provide the authoritative departments of the license, approval or filing documents; effective special industry business license, qualification certificate, patent certificate copy;
6, according to the provisions of environmental protection licenses, must provide the authoritative departments of the environmental protection license issued by the government, must provide the authoritative departments of the environmental protection license issued by the government. Must provide the authorized department issued by the environmental protection license.
Note: such as the above materials, are required for the loan, individual banks will have other requirements for materials, in the process, the bank will be informed of the relevant responsible person.
Four, small and medium-sized enterprise loan process is what?
1, before handling the loan, prepare the loan information. Then go to the bank to fill out the loan application form. Fill it out and give it to the bank together with the information.
2, the bank will hear the materials submitted by the enterprise, after approval, will let the borrower to the bank to answer some relevant questions. This time to actively cooperate with the bank to leave a good bank.
3, approval through, the bank and will borrowers will negotiate loan interest, amount, duration and other issues. Negotiation is completed, the two sides signed the loan agreement. If there are other formalities, in accordance with the requirements of the bank can be.
4, after signing the agreement, the borrower's information will be recorded in the file, the bank will release the money regularly.