What conditions do Beijing enterprises need for loans?

1. What are the conditions for Beijing enterprise loans?

The conditions for small and micro enterprises to apply for loans from Bank of Beijing mainly include the following aspects: 1, opening a basic account in Bank of Beijing with a certain settlement amount; 2. The applicant holds a loan card; 3. The borrowing enterprise has a fixed business place; 4. The borrowing enterprise has good income, good credit and repayment ability; 5. It is often said that the main legal representative of the borrowing enterprise has his own residence in Beijing; 6. The enterprise continues to operate normally; 7. Enterprises can provide collateral recognized by Bank of Beijing as a guarantee; 8. Other conditions required by Bank of Beijing.

Second, how do SMEs apply for loans? North enterprise loan?

Business loans, as long as you are a company shareholder or legal person, individual industrial and commercial households, you can do business loans, and the property owner can be an individual industrial and commercial household, a company legal person or the parents, brothers and sisters, children and other relatives of shareholders.

1. Commercial loans, corporate real estate or personal real estate can be used. The appraisal amount is high, accounting for 100% of the highest loanable appraisal price. Revolving loan is available, and the maximum loan is 10 year.

2. Property conditions: commercial housing, residence, standard price housing, preferential price housing, affordable housing, business (office building and ground floor business), commercial and residential dual-use housing, residence, villa and relocation housing.

3. Information to be provided: company business license, tax registration certificate, organization code certificate, articles of association, financial statements, etc. Husband and wife ID card, household registration book, marriage certificate, real estate license, house purchase contract.

4. Conditions for commercial loans:

1. has a business license as a legal person and has gone through the annual inspection procedures.

This enterprise has been running for two years.

3. Have a loan card (you can do it without it)

4. The enterprise has a good credit record, no bad record within 2 years, and no economic and legal proceedings at present.

5. The legal representative or actual controller has no bad habits and has a good personal credit record.

You can choose a variety of loan methods, such as large enterprise loans, monthly interest repayment, principal repayment and so on.

Commercial loan: it is a financing product for small and medium-sized enterprises, micro-enterprises and private owners to help borrowers raise funds. It has the advantages of short loan approval time and flexible repayment method. To apply for a commercial loan, the borrower must provide effective guarantees recognized by the bank, such as houses, office buildings and streets with complete warrants. At the same time, Yuan Ze Xinde Investment Guarantee Co., Ltd. and cooperative banks implement more flexible and pragmatic evaluation standards, establish characteristic service channels, and adopt efficient and high-quality services and scientific and simplified examination and approval procedures.

Three, the annual loan card to fill in the main financial indicators of the enterprise, suggesting that the verification failed.

You should fill in the net assets of the enterprise, not the owner's equity on the book. That is, net assets = all assets of the enterprise-all liabilities, because what he wants to know is the ability of the enterprise to repay debts.