Source: Roy Hodgson 

  

 Bank loans, first to open an account in bank loans, then the bank credit, the bank to the enterprise to inspect, if credit down, according to the line of credit procedures, mortgage, mortgage to assess, sign a mortgage contract and then to his handling of different organs, to the bank for the loan procedures, loan guarantees, to ensure the unit signed a contract of guarantee, and then apply for a loan.

 

All loans to credit first,Credit dataIncluding: conventional, capital verification report, the articles of association of the enterprise, credit card copy, account permits, business license, code certificate, tax registration certificate, nearly 3 annual financial statements, recent monthly financial statements, accounts payable and other account details, fixed assets, enterprise introduction, the legal representative of the identity card parts, some banks also need bank statements, annual tax bill, electricity bill.

 

To collateral assessment mortgage. General bank has designated assessment company, don't worry about that. Give them the value reported collateral, they come to look at it, copy, but real estate land to land and property cards card.

 

Credit and the assessment report, to mortgage procedures, with mortgage contracts, loan contracts, the resolution of the shareholders' meeting, the assessment report, and other real estate bureau, Land Bureau, the Bureau of industry and Commerce (mortgage) mortgage procedures required documents to the Land Bureau, real estate bureau and the commerce and Industry Bureau, in exchange forHe warrants. He got warrants to the bank for a loan.

(legal evidence of his right of note: 1, the land property right registration issued to the mortgagee or the tenants. Land his right certificate by his right people shouzhi. He is a right person to exercise his right certificate, protected by the national law. 2And housing He Xiang of finger in his right registration, by the housing department, held by the mortgagee's right certificate)

　

Guaranteed loans, banks require the guarantor in the bank credit, and grant XinDaTo class AA. We guarantee to ensure the contract signed with the bank, to a resolution of the shareholders meeting, the guarantee contract, then you can loan

 

The borrower must haveSeveral basic conditions:

 

1, must be registered in the establishment, State Administration for Industry and Commerce approved, licensed;

2, the implementation of independent accounting, self management, self financing. The company has independent engaged in production, circulation of commodities and other operating activities of power, financial planning and accounting statements has an independent operating funds, independent, depending on its income compensation expenses, independently plan profit, independent foreign signed purchase and sale contract;

3, must have its own funds;

4, to comply with the system policy and bank credit, settlement management, and open basic account and general deposit account in the bank in accordance with the provisions of;

5, the product has the market;

6, the production and business operation to benefit;

7, no misappropriation and diversion of credit funds;

8, abide by credit, and more than ten content.

 

　　It should meet the following conditions:

1, there are regular servicing ability, the original loan principal and interest repayment has been outstanding, has done the bank authorized the payment plan;

2, the administrative department for Industry and Commerce for the annual inspection procedures;

3, the rate of assets and liabilities in accordance with the bank's request and so on.

 

To apply for loans

Asked to fill out two copies, the seal of the company, to provide corporate name and corporate commissioned him solely for the loan procedures mandate, corporate profiles.

 

The loan application form

Fill in and prepare the materials in accordance with the required documents to submit the details:

1, the statutory license issuing organ for the annual review of qualified enterprises loan certificate;

2, the loan application report. The report stated the following contents: the basic situation of enterprises, including the registered capital, the nature of the enterprise, affiliation, office location, contact telephone number, contact person, the main business and enterprise; corporate profile, including name, gender, educational level, professional title, once any performance occupation and post, engaged in; detailed Xieqing loan amount, purpose, time limit, repayment methods and guarantee in the form attached, and feasibility report, project contract; enterprise's financial situation, including cash, inventory, total liabilities, total equity, total assets, net profit for the period and a recent years accumulative total profits;

3, the financial statements. Includes two aspects: the annual balance sheet, income statement and statement of changes in financial position; the period of the balance sheet and income statement;

4, the relevant certificates, proof (the borrower, guarantor shall be submitted). These documents include: business license and the copy; legal person Id and its photocopy; if someone instead of legal signature, also need to submit a copy of ID card and the legal power of attorney (attorney with legal signature and company seal);

5, guarantee loans need to submit information. To ensure that the unit business license and a copy of a copy; ensure the entity's financial statements, including the annual balance sheet, income statement and statement of changes in financial position, the period of the balance sheet and income statement; ensure the unit agreed to guarantee certificate, with the stamp;

6, arrived, pledge loans need to submit information. Such as: mortgage, pledge inventory and property or proof of ownership; collateral and movable property pledge collateral value of proof; and chattel pledge by banks designated intermediary agencies issued an assessment report; rights pledge appraisal; the registration documents and certificates, etc..

 

Waiting for the bank acceptance, approval

Under normal circumstances, banks since the date of acceptance, in accordance with the statutory response time (20 days, short-term loans, long-term loans of 130 working days) review loan for bank credit department.

 

Bank loan procedures:

(1) the establishment of credit relationship

For the establishment of credit relationship between enterprises shall submit two copies of the book "the establishment of credit" in the application. The bank receiving the application form submitted by the enterprise, be assigned loan officer survey. The investigation included:

The legitimacy of the business. Whether the enterprise has the qualifications of a legal person necessary conditions. To have the qualifications of a legal person enterprise shall check the business license of compliance with the approved business scope and the actual business scope.

The independence of business. Whether the enterprise conduct independent accounting, profit and loss account alone, financial planning, accounting statements independent.

The main products of the enterprise and its production is the development sequence of the national industrial policy.

The benefit of the business. Enterprise accounting is accurate, in conformity with the relevant provisions; status and trends of financial results.

The rationality of the use of funds of enterprises. Business cash flow, fixed capital is divided into export management; liquidity occupation level and structure is reasonable, there is no was diverted, misappropriated.

The new expansion of enterprises. Expand the capacity required 30% liquidity has raised enough. Such as temporary shortage, is set up in the short term plan.

The loan officer for the above investigation, to write a written report, and sign is the establishment of credit relationship advice, submitted to the Department (shares) long, President (director) level for examination and approval.

The president (director) agreed to set up a credit relationship with the enterprise, bank and both parties shall sign the "establishment of credit relations contract"

(2) applying for the loan

Has established credit relationship between enterprises, according to the liquidity needs reasonable and its production process, to the banks for liquidity loans. (industrial production enterprises as an example) loan applications must be submitted to "industrial production enterprises liquidity loan application". Bank on the basis of the national industrial policy, credit policy and system, and combined with the superior bank approved credit

Scale plan and source of credit funds of enterprise loan application carefully review.

(3) the loan review

The main contents of a loan review:

The direct use of the loan. To meet the direct use of industrial enterprises liquidity loans to support range: <1> reasonable purchase payment acceptance payable; <2>; <3> the bank approved payment in advance; <4> various special loans in accordance with the provisions of the use of other <5> compliant applications.

The recent operation status. Mainly includes the material purchase, consumption, storage and products for production, sales, liquidity occupation level and structure; credit; economic status.

The corporate planning, working capital turnover acceleration plan, the implementation of add liquidity plan.

The enterprise development prospects. Mainly refers to the development prospects of the industry, the direction of enterprise development, to product structure, life cycle and new product development capabilities, the main leaders of the actual ability to work, the level of management decision and pioneering, innovation ability.

The enterprise debt capacity. Mainly refers to the enterprise's own capital actual amount and flow of assets and liabilities, the general availability of its liquidity to total flow two indicators analysis of flow rate of assets and liabilities ratio of capital and enterprises.

(4) signed a loan contract

A contract for loan of money lenders delivery will be a certain amount of money to the borrower according to the agreed purpose, a borrower repayment agreement, is a kind of economic contract.

The loan contract has its own characteristics, contract is the currency, lenders generally is the national banks or other financial organizations, loan interest rate stipulated by the state, the parties can not agree. Both parties in accordance with the loan contract through consultation on the principal clauses, to reach an agreement. The application made by the borrower, the lender approval, can be signed loan contract.

Loan contract shall meet the following conditions:

The category of loans; the use of the loan; the amount of the loan; loan interest rate; the borrowing period; the source of repayment funds and repayment; the guarantee clause; the liability for breach of contract; the other terms agreed upon by both parties.

The loan contract must be made by the parties or by the legal representative authorized representative proof Attn signature, and stamped with official seal.

(5) loans

Enterprises to apply for the loan is approved, shall be borne by the bank and the two sides signed according to the type of loan related types of loan contract. The signing of the contract should pay attention to items accurately, text clear neat, cannot be altered; borrow, loans, insurance three party official seal and legal representative signature is complete and correct.

The borrower could take out loans. Loan promissory note is written loan certificate, signed at the same time with the loan contract, also can be in the contract amount and the effective period of time, or a sub sub contract.

The banks should carefully review the content check loan application is correct, whether with the loan contract. Loan application review and correct, fill out the loan release notice, by the credit agent, Science (shares) long "two" or the president (director) signed the "three check" send bank accounting department loan dial borrowers account formalities. Loan application and loan release notice by the accounting department accounting, the last back credit department as the loan account registration certificate.

 

Bank loan types

 

A,Mortgage

 

1, mortgage borrowers: I or third people owned property housing, has a "real estate certificate".

 

2, the mortgage process:

(1) the real estate certificate to the property housing the district premises Bureau asked the real estate is lag can apply for mortgage registration;

(2) if the exact answer can be handled, the "real evidence" and the relevant personal information to the CCB individual consumer loans agencies for mortgage loan applications;

(3) China Construction bank designated property assessment agencies provide their own property for the evaluation, and submit an evaluation report of real estate, to charge a fee to assess the value of 3;

(4) CCB assist applicants for property insurance procedures and the corresponding loan approval procedures, the maximum loan amount does not exceed 70% of assessed value, with the approval of the contract and mortgage loans and;

(5) the borrower to house property card, loan contract to the real estate in the district premises Board for mortgage registration, agency costs borne by the borrower;

(6) mortgage registration completed, bank loans to the borrower shall be personal savings account.

 

Two,Pledge loans

 

1, the pledged property rights certificate: borrowing himself or third person legally held, including:

(1) securities. AAA grade corporate bonds, government bonds (laws and regulations except not pledge);

(2) certificate Treasury (1999 issue);

(3) the Bank of this individual, foreign currency savings deposit and regular account bankbook;

(4) the bank approved other legitimate, effective power certificate.

 

2, the pledge process:

(1) the right credentials to personal consumer loans agencies shall apply for a loan;

(2) the nucleoplasm and document of title, and in line with the conditions of the registration of pledge;

(3) the bank receipt hypothecation certificate, the loan approval procedures, the maximum loan amount does not exceed $90% pledge rights certificate, and agree to release the loan applicants to sign the loan contract and the pledge contract and approval;

(4) the bank loans to borrowers personal savings account.

 

Three,Loan portfolio

 

The borrower may apply for mortgage or pledge rights certificate with a personal consumer loans, the loan amount according to two kind of security grant loan amount accumulated, loan process.

 

 Four,Credit loans

 

1, the borrower to my credit for personal consumer loans, the banks to determine the loan amount according to the borrower's credit status, determine the amount of the highest in each subject

2, the loan applicant to provide data (the data are able to provide supplies);

(1) a valid identity card, residence booklet, military ID.

(2) letter of credit investigation, where the units issued by including occupation, staff stability properties.

(3) personal income proof.

(4) the personal work permit and payroll records or the wage list.

(5) certificate, certificate of title.

(6) proof property certificate or housing lease contract, the housing situation.

(7) marital status and condition of children.

(8) in any water, electric, gas, telephone fees of a bill or neighborhood committees that.

(9) personal loans and bank related and other business certificate.

(10) the individual credit card and nearly half of the bill.

(11) other financial assets (such as stocks that delivery orders, savings, insurance, funds, bonds etc.)

(12) according to the actual situation, need to provide additional information.

 

3, customer manager according to the borrower's credit rating to determine the loan amount and the corresponding period, the loan approval procedures, the loan amount does not exceed the corresponding credit rating allows the payment amount, and agree to release the applicant signed loan contracts and approval.

 

4, the CCB loans to borrowers personal savings account.

 

 

Personal business loansPreferential policies: the use of live

 

Mr. Liu since 2000 has been off work for others, then he had the idea of starting their own business, he decided to open a single apartment. According to the budget, decoration and furniture purchase expenses for 30000 yuan; the owner asked the first pay 1 years rent, 3 houses need to pay 10000 yuan in advance, so that the overall startup capital is 40000 yuan. Under the guidance of friends, he pledged to self occupied housing reform of the housing, to the bank for a loan. Loan in hand, Mr. Liu found that such loans are not only simple, but also enjoy a 20% interest rate to float downward. Relying on the loan business, Mr. Liu single apartment opened quickly, and business is booming, deduction of loan interest and other expenses, the monthly rent in 2000 yuan net income.

 

Business loan is a certain production capacity or have been engaged in the production and operation activities of individuals, for business or venture capital demand application, a special loans authorized by the bank guarantee and effective after issuing. The industrial and Commercial Bank of China, agricultural bank, bank, China China Chinese Shanghai Pudong Development Bank, CITIC Industrial Bank, Bank of communications has launched personal loan business, such as the first personal business loans center bank established in Sichuan Province, may through the shops, houses, securities mortgage, pledge and the people have the strength to provide guarantee the loan, the maximum loan amount is 2000000 yuan.

 

Mortgage: and others property own fortune

 

Mr. Zhao was a factory driver, after the implementation of the buyout, take a sum of compensation, as an unemployed person. At this time, his area to start construction of highway, civil engineering requires engineering vehicle mass, and now the engineering contractor most don't you buy a vehicle for transportation and adopt outsourcing solutions. Mr. Zhao after some investigation, find a carriage contract civil engineering is a very good a way of earning money, but a car needs a lot of money, a the most inexpensive dumper is down 80000, while his hands only 20000 yuan the buyout compensation, so he had to turn to banks.

 

The bank staff's help, he first in the designated car distribution company about a 15 ton truck, and to buy vehicles as collateral, and the bank signed a $60000 mortgage contract. Finally, in the delivery of the first payment 20000 yuan, he would drive the new car back home, and soon the site to undertake the earthworks. Now, Mr. Zhao monthly income reached 8000 yuan, is preparing to buy a car loan.

 

Mortgage refers to the guaranty law of mortgage, the borrower or the third party's property as collateral loans. To prove the property mortgage bank shall keep the collateral, especially for the mortgage and auto loans, you use the house, the car you can drive, but strictly speaking, the property has been mortgaged to the bank, you have only the right to use.Mortgage loans generally do not exceed the amount of collateral assessment price 70%, the maximum amount of loans by the corresponding standard bank.

 

If the business needs to purchase commercial housing along the street, can be purchased houses as collateral, to the bank to apply for commercial housing mortgage loans, the loan amount is generally not more than 60% of assessed value to buy commercial housing, the maximum loan period does not exceed 10 years; due to business need to purchase a car, truck, bus, car and taxi operation for automobile loans, and Mr. Zhao, the loan purchase a car models generally do not exceed 80%, the longest period of the loan shall not exceed 5 years.

 

 

Pledged loanThe mining of credit resources: Ms. Lee would like to open a certain brand of cosmetics stores, in accordance with the requirements of the headquarters, need to pay 50000 yuan fee. There are 10000 yuan in cash in her hands, and there is a 50000 yuan deposit receipts, originally planned for the early withdrawal, but the bank financial management division one, for loans to more than the early withdrawal of income 2244 yuan. So, she handled a small mortgage loan in the bank, not only to raise venture capital, but also avoid the loss of interest paid in advance.

 

The starting point of deposit pledge loan is generally 5000 yuan, each loan does not exceed 80% of the amount of pledge, under normal circumstances, the day can get loans to banks. In addition, the Treasury, life insurance policies can easily obtain loans in the bank.

 

"Certificate T-bond pledge loan procedures" provisions, in 1999 (including) the bonds can be issued after the Debt Loan management. The starting point for 5000 yuan treasury bonds pledge loans, loan mortgage debt does not exceed 90% of par.

 

Of course, if the written consent from the relatives and friends, and at the same time to produce valid identity documents I and friends, can also use the relatives and friends of the certificate, proof type national debt and the life insurance policy pledge for loans.

 

Micro credit loans: credit is wealth

 

The villagers Luan Changjun from Shanghai in 1998 to study pig technology, home office of the pig farm. In recent years, successively five times his agency to the credit of nearly 40000 yuan of loans, to solve the initial purchase piglets, building housing financing difficulties. Now the Luan Changjun pig farm from 10 head to 200 head. Recently, he built a row of modern pig farm in the village, ready to further expand the scale of farming, and the pig and fish together, pig manure and all the leftovers for fish, his chain of circular economy to attract a large number of villagers follow up. Luan Changjun said: all of this, is entrusted agency of credit of small credit loans of fu.

 

Small farmers credit refers to the rural credit cooperatives of farmers based on reputation, the approved amount and within the time limit granted to farmers need not mortgage, secured loan, the loan amount is not more than fifty thousand yuan. Since this business in 2002 to promote nationwide, widely welcomed by the farmers.

 

To apply for a credit loan, farmer should be the first to apply for the local rural credit cooperatives loan certificate "". Rural credit cooperatives after receipt of the application to the applicant's credit rating evaluation, and according to the evaluation of credit rating, approved by the appropriate level of credit limits, and awarded the "credit card". Farmers need small credit loan, can hold the "credit card" and the valid identity certificate, apply directly to the rural credit cooperatives. Rural credit cooperatives in receiving the loan application, to review the use of the loans and credits, audit will be granted loans.

 

Note that, in accordance with the existing provisions, only the planting industry, breeding and agricultural production costs of loans; agricultural loans; the agriculture antenatal, production, post natal services loans and the purchase supplies, housing, medical treatment, their children to school and other consumer loans, can use small farmers credit way.

 

The major commercial banks also issued small short-term credit personal loans, but banks to solve the borrower temporary consumption needs to be issued, the amount of general in 20000 yuan, for a period not to exceed one year.

 

 

In the process of bank loans, entrepreneurs have to pay special attention to two points:

 

One must goods compares three. In accordance with the financial regulations, banks issued commercial loanWithin a certain range can be up or lower loan ratesIn many places, such as bank loan interest rate can rise 30%. In fact, to bank loans and went to the market to buy things, pick and choose, goods than three can choose to high quality and inexpensive goods. Relatively speaking, the state-owned commercial banks lending rates low, but the procedure is more stringent requirements, if your loan formalities complete, can be compared to the bank loan interest and other charges, choose a low cost the bank to handle.

 

Two is a reasonable choice for the duration of the loan. Bank loans are generally classified asShort-term loans and long-term loans, the longer the duration of the loan interest rates higher, if the venture funds use demand time is not too long, should choose short-term loans, such as the original plans for the two-year loan a loan for one year, this can save interest payments. In addition, the venture financing should also pay attention to the trend of the interest rate, if the interest rate trend higher, should grab the interest rate hike before the loan, so can be in when the annual interest rate hike before enjoying a low interest rate; if the interest rate trend is down, in the demand for funds is not urgent circumstances should be suspended for loans, and interest rates to timely handle.