Enterprise loans generally depend on the assets, profitability and liabilities of the enterprise. Why do you want to provide information about the legal representative? Because Fadai is the representative of the company and determines the development of the company. The French company is in good condition and has sufficient assets, and the bank is willing to lend to the company.

What's the difference between corporate loans and corporate loans?

The differences between corporate loans and corporate loans are as follows

1. Different loan subjects: corporate loans are generally made in the name of individuals, and three forms can be selected: personal consumption loans, personal business loans and corporate business loans. The first two loan forms are legal persons themselves; Enterprise loans are loans issued in the name of enterprises. Although the consent of the company legal person is needed, and sometimes even the legal person is needed as the loan representative, the main body of the loan is always the enterprise.

2. Loans have different uses: corporate loans can be used for personal consumption or business operations, and can also be used for business operations; Enterprise loans are used for enterprise management, including liquidity replenishment, project loans and enterprise expansion and development.

3. The loan amount, term and interest rate are different: this is mainly because enterprise loans can be applied in various forms, so when they are equivalent to enterprise loans, the loan amount, term and interest rate are different.

The above is the difference between corporate loans and corporate loans. If you happen to be an enterprise legal person of a company, you can choose the loan method according to your loan demand. An enterprise as a legal person is more of an identity, which can provide proof of repayment ability for your personal loan, increase your loan amount and lower the interest rate. However, an enterprise loan is a business loan with the enterprise as the main body, and it needs to be approved by a resolution of the company's board of directors.

Does it matter if the enterprise loan is not received? brief introduction

Many banks have issued corporate loans, and small and medium-sized enterprises that are in urgent need in the process of production and operation can apply. Many people don't know what are the requirements for corporate loans. For example, bad corporate credit will affect loan approval. Let's have a look.

1. What are the requirements for corporate loans?

Although the corporate loan requirements of banks are different, at least these basic conditions must be met:

1, the loan enterprise needs to conform to the national industry and industrial policies, and does not belong to small enterprises with high pollution and high energy consumption;

2. The loan enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Enterprises must have legal business qualifications, and can provide business licenses for individual industrial and commercial households, partnerships and sole proprietorship enterprises, as well as tax payment certificates for production and business activities;

4. The enterprise should have the ability to perform the contract and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

5. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

6. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there is at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

7. Abide by national financial laws, regulations, policies and relevant banking regulations;

8. Open a basic settlement account or a general settlement account in the applicant bank.

9. Other information required by the bank.

Second, does the bad credit of corporate loans matter?

It matters, because handling enterprise credit loans will check the credit of both husband and wife and corporate shareholders.

1. If the legal person or his spouse is only overdue once or twice, the problem is not very big, and there is still a chance to apply for a corporate loan.

2. If the legal person has a bad credit record, the enterprise loan application may be rejected;

3. If the corporate credit report is overdue for more than two years, or overdue for more than 90 days, it will be difficult to apply for corporate loans.

Do you check the credit information for corporate tax loans? brief introduction

Now many small and micro enterprises are looking for bank loans to obtain production and operation funds. There are many kinds of bank corporate loans, among which corporate tax loans are relatively low. Enterprises that pay taxes in good faith can apply for loans through enterprise legal persons. Moreover, some enterprises may not have good credit information, so they are worried that it will affect the loan approval. Let's have a look.

1. Did the corporate tax loan witness receive the credit report?

In addition to corporate credit, corporate tax loans will also look at the credit of corporate entities, such as whether there is tax evasion.

After all, an enterprise legal person is the handler of the company's affairs, especially an enterprise legal person or an enterprise shareholder, who has legal obligations to the enterprise and needs to be liable to the company to the extent of its subscribed capital contribution. When approving corporate loans, banks will inquire about the credit of both husband and wife and corporate corporate shareholders, mainly to evaluate overdue and debts.

2. Does bad corporate credit information have an impact on corporate tax loans?

This is for sure, depending on the bad credit rating of the enterprise as a legal person.

If the personal credit information of an enterprise as a legal person is overdue only once or twice, and it is not overdue at present, there is still a chance to repay it under the condition that the enterprise tax information is not bad, and if the enterprise as a legal person is overdue for more than 90 days, the hope of applying for enterprise tax loans is rather slim.

Here, I would also like to remind you that the credit of an enterprise as a legal person is not good, and it may also be affected by the credit of the enterprise. For example, corporate tax evasion will also affect the credit of corporate. If the credit of an enterprise as a legal person is not good because of this situation, don't waste your energy to apply unless there is a miracle.

It should be noted that after the successful application for corporate tax loan, it is also the corporate credit at the meeting, so enterprises must fulfill their repayment obligations on time on the basis of paying taxes in good faith.

So much for the introduction of public loans.