How to borrow a house loan from a company?

How to borrow a company mortgage loan?

What are the procedures and conditions of company mortgage loan?

What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.

For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.

After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.

The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.

To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.

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Enterprise mortgage loan conditions

The conditions of enterprise mortgage loans usually have the following points:

(a) the enterprise has a business license, tax registration certificate, code certificate, etc.

(2) The enterprise has a loan card issued by the People's Bank of China and has no bad credit record.

(3) The company has been registered and operated for more than one year, and in the latest year, the annual turnover of the enterprise is more than three times the loan amount applied by the enterprise.

Compared with other mortgage loans, enterprises applying for operating real estate mortgage loans have the following advantages:

(1) Loans can be used flexibly. Part of its own funds can be obtained by replacing the self-built property with mortgage, and the supervision of banks on its own funds is relatively low.

(2) Operating property mortgage loan, the longest loan term can reach 10 year. Ordinary mortgage loans have a term of only one year.

(3) simple operation. As long as the value of the collateral and the operating cash flow within the term are guaranteed, you can apply for this kind of loan.

In order to better apply for corporate mortgage loans, small and micro enterprises need to do the following:

(1) Try to cooperate with banks in loan review. Do not submit false financial statements, etc. In the daily operation of enterprises, we should pay attention to the layout of legal persons and make preparations for applying for loans.

(2) Maintain a good credit record. Most small and micro enterprises don't pay attention to their own credit maintenance at all, and often cram at the last minute.

What are the procedures and conditions of company mortgage loan?

Under normal circumstances, problems will inevitably be encountered during the operation of enterprises. In this case, it is necessary to apply for business loans from lending institutions to alleviate the problem and ensure the normal operation and production of enterprises. In general, commercial loans are mortgage loans, so what are the processes and conditions of corporate mortgage loans?

1. The company is required to have a loan card issued by the People's Bank of China, and the company has no bad credit record.

2. Have business license, tax registration certificate, code certificate, etc. , and can provide relevant records of tax payment on time.

3. The company has been registered and operated for more than one year, and its turnover in the latest year is more than three times the loan amount.

4. Being able to provide collateral recognized by the bank.

Under normal circumstances, the interest rate of enterprise mortgage is higher than that of ordinary loans, which is generally10%-30% higher than the national benchmark interest rate; The loan amount is generally 50-70% of the collateral.

What is the process of corporate bank mortgage loan?

① The borrower applies and submits relevant materials;

② Real estate appraisal, pre-loan investigation and approval;

(3) After approval, go through the mortgage registration formalities;

(4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract;

5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.

According to Article 209 of the Civil Code: "The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. The ownership of natural resources owned by the state according to law may not be registered. " Therefore, the company set a mortgage on the property and was established at the time of registration.