What conditions do Weizhong Bank need for small and micro enterprise loans?

1. What conditions do Weizhong Bank need for small and micro enterprise loans?

The loan application conditions for small and micro enterprises of Weizhong Bank are mainly as follows:

1. Taxpayer enterprises, small-scale taxpayer enterprises or individual industrial and commercial households can apply, and the applicant must be the legal representative of the enterprise;

2. The age is above 16 years old (inclusive);

3. Only support Chinese mainland resident ID cards (currently only some cities are supported, and other regions are being opened one after another);

4. The enterprise is in good operating condition, and the applicant has the ability to repay the loan principal and interest on schedule;

5. Good reputation, no bad records or serious negative information in the credit report.

2. What are the procedures for handling interest-free loans?

Conditions for bank interest-free loans:

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2. Proof of fixed residence and business premises. The certificate of fixed residence can be real estate license), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. Proof of funds. The loan has its own funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed the maximum amount of funds, and purchase (70% of the total funds needed for safe operation)

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the relevant national laws and bank credit policies, and the use is not allowed.

5. loan guarantee. The loan applicant needs to provide a certain amount of guarantee and third-party guarantee. In addition, he should provide some information of his own letter of credit to the bank as much as possible, which will increase the credit integrity of the loan and facilitate the smooth acquisition of the loan.

6、;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. If entrepreneurs consult. At present, whether the interest is paid by the government or not has not been determined, but the financial discount is certain.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare the information before the loan.

3. What are the procedures for small and medium-sized project loans?

If the applicant and guarantor are corporate customers, provide the following materials: 1, loan application. 2. Annual examination of business license, organization code certificate and valid tax registration certificate or relevant approval from government departments. 3. Certificate of legal representative, power of attorney of agent, identity cards of legal representative (or agent) and other key personnel. Articles of association, joint venture agreement, cooperation contract, list of principal responsible persons and signature samples confirmed by the industrial and commercial departments or relevant departments; The board of directors (shareholders' meeting) agrees to the loan resolution or the guarantee resolution. 5, conditional, can provide the latest capital verification report issued by a legally registered accounting firm. 6. Financial statements audited in the last three years and the last three months (if the customer has been established for less than three years, submit the annual report since its establishment); Details of foreign investment, accounts receivable and foreign debts; Bank statements of major settlement banks in the last three months; Conditional tax returns and tax payment vouchers confirmed by the tax authorities are attached. 7. Cash flow forecast and operation plan. 8, the annual inspection of qualified loan card. 9. Proof of the purpose of the loan. If it involves special industries, it is necessary to provide the approval of franchise. 10, fixed assets loans must also provide the following materials: (1) documents approved by the competent authorities and included in the fixed assets investment plan of the year; (two) the approved project feasibility study report; (3) Project design, total project investment and phased investment plan; (4) Construction contracts; (5) documents certifying that a certain proportion of funds have been deposited in the bank; (6) The continuation project shall provide the preliminary investment, source and use of funds, project progress, etc. (7) the implementation of self-raised funds required for completion and production in accordance with regulations and supporting documents. 1 1. Real estate project development loans also need to provide the following materials: (1) qualification certificate of real estate development enterprises that have passed the annual inspection; (2) Land requisition red line map; (3) The "four certificates" (namely, construction land planning permit, state-owned land use permit, construction project planning permit and construction permit) are complete; (four) the contract for the assignment (transfer) of the right to use the state-owned land, the payment voucher for the land transfer fee and the payment voucher for the relevant compensation fee; (5) If the pre-sale has already started, the Pre-sale Permit for Commercial Housing shall be provided; (6) Joint development contracts and agreements (cooperative development by two or more enterprises); (7) the general plan and feasibility report of the project site selection (including planning and design scheme, investment estimation (budget), etc.). ); (8) Contractor's qualification certificate and construction contract; (nine) the qualification certificate of the project supervision unit; (10) construction progress plan; (1 1) the developer's own funds (at least not less than 35% of the total investment of the development project) and the certification materials that the project has invested; (12) Other projects and investments of the developer. 12. Other supporting documents and materials required by rural credit cooperatives.

4. What's the loan procedure?

Procedures required for handling bank loans:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) Other conditions required by the lending bank.

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether the credit rating of customers has illegal records, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.