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What are the rules for companies to use bank loans?
It depends on what kind of loan your company applies for, enterprise credit loans or corporate mortgage. The former needs to be in business for more than 3 years, the annual bill amount is not less than 6.5438+0.5 million, and it is in a profitable state, and the loan amount is about 3 million; If it is a mortgage loan, it will be convenient. If you take the company's factory as collateral, the mortgage amount is generally about 50% of the collateral, or you can mortgage the property in your own name, and the mortgage amount is relatively high. It's 70% of the property. If you want to apply for a loan, recommend the consulting loan service of Easy Loan China for more loan information. Fast loan application channel (amount: 0.5-50 thousand yuan) /QuickLoan/index.jsp? Dashi = XXIAO Zhang ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ Payment upon arrival-(1) Personal wage loan-a secured loan for personal consumption needs, which is paid to the borrower according to a certain proportion of the borrower's monthly wage income, and his personal wage income is used as repayment guarantee, without guarantee. Quota: 50,000-200,000 yuan Application address:/event/product /salary-xxiaozhang.html(2) Easy mortgage-quick solution to the problem of housing funds Quota: 200-2 million yuan Application address:/event/product /Houseloan-xxiaozhang.html(3) Easy personal credit loan-quick. Easy personal credit loan, that is, personal unsecured and unsecured credit loan, is a popular loan product customized by Easy Credit China for individuals with loan needs all over the country. This product is deeply loved by customers because of its limited application scope and flexible combination of loan term, interest rate and repayment method. Customers who apply for "personal credit easy loan" will also enjoy "zero handling fee" service and free professional loan feasibility evaluation service. Quota: 80-500,000 yuan Application address:/event/product /creditloan-xxiaozhang.html(4) Civil servant credit loan-loan application amount: 80-300,000 yuan Application address:/event/product /Civilcredit-xxiaozhang.html(5) Elite Easy Loan-awarded to enterprise or company senior management. Amount: 500,000-500,000. Address of registration form:/activity/product/elite-xxiaozhang.html (6) Easy Loan for Shopkeepers is a fast financing loan product for shopkeepers jointly launched by Easy Loan China and banks. Quota: 5,000-200,000 yuan Application address:/activity/product/shopman-xxiaozhang.html (7) Credit loan for college students-fast loan without mortgage and guarantor, providing convenient personal loan scheme for college students. Quota: 5000-65438+100,000 yuan Application address:/activity/product/college-xxiaozhang.html (8) Easy Loan for Petty bourgeoisie-a professional personal loan scheme without mortgage and guarantor for working men and women who pursue quality life and charming life, and help Petty bourgeoisie to establish close credit cooperation with banks and other financial institutions. Amount: 8,000-200,000 yuan Application address:/activity/product/ol-xxiaozhang.html (9) Easy marriage loan-a convenient and quick personal credit loan for the borrower who is about to get married, which can be used for all expenses related to marriage, including travel, wedding, decoration, shopping, home appliances, car purchase, diamond jewelry purchase, wedding photography, etc. Amount: 50-200,000 RMB. Address of the application form:/activity/product/marriage-xxiaozhang.html (10) Easy car loan-a credit car loan for car buyers who lack funds. Amount: 50-200,000 RMB. Address of the registration form:/activity/product/carroan-xxiaozhang.html (11) Decoration Easy Loan-a personal credit loan with a single loan not exceeding 500,000 yuan for the purpose of family housing decoration. Amount: 80-500,000 yuan. Address of the application form:/activity/product/decoration-xxiaozhang.html (12) Home Easy Loan-a personal credit loan granted to meet the consumer demand of the borrower for furniture, household appliances and home decoration. Amount: 5,000-200,000 yuan Application address:/activity/product/furniture-xxiaozhang.html (13) Travel Easy Loan-a RMB loan issued to a borrower who needs travel funds, which is used to pay the travel expenses of a special travel unit for himself or his family members. Travel expenses refer to the total amount of travel expenses such as transportation expenses, accommodation expenses, tickets, services and related expenses involved in tourism projects handled by specialized tourism units and designated by lenders. Amount: RMB 50-200,000. Application address:/activity/product/trip-xxiaozhang.html (14) Beauty Easy Loan-a personal credit loan for beauty lovers' beautiful life. Specific uses can include beauty, plastic surgery, fitness, artistic photography and other expenses. Amount: RMB 50-200,000. Application address:/activity/product/beauty-xxiaozhang.html (15) Easy Loan for White-collar workers-refers to the special loan channel for high-quality customers opened by Easy Loan China for white-collar workers in large and medium-sized cities across the country. Applicants who meet the loan conditions will enjoy priority VIP services, and loan products and services from a number of high-quality cooperative institutions are available for you to choose from. Amount: RMB 80-300,000. The address of the application form is:/activity/product/whiteloan-xxiaozhang.html (17)-currently it is only applicable to commercial loans. Study abroad loans refer to foreign exchange consumption loans issued by institutions to overseas students or their immediate family members or spouses to pay tuition and fees and living expenses for studying abroad. Amount: no more than 300,000 yuan. Address of registration form:/activity/product/studentabroad-xxiaozhang.html (18) Consumer loans are personal loans for designated consumption purposes issued by cooperative institutions such as Easy Loan China United Bank, which are mainly used for personal or family consumption expenses and other loans that meet relevant regulations. Amount: RMB 50-200,000. Address of application form:/activity/product/consumer-xxiaozhang.html (19) Owner's loan assistance-The legal representative of the enterprise or the shareholders of the enterprise can mortgage the property in the name of an individual or others, and apply for loans from the institution to supplement the working capital turnover of the enterprise and other purposes specified by law. Amount: 5000-1100,000 yuan. Address of the application form:/activity/product/ownerloan-xxiaozhang.html (20) Entrepreneurship loan refers to the personal loan granted by Easy Loan China United Cooperative Bank to social natural persons (especially laid-off workers when starting a business) for legally designated purposes such as entrepreneurship and liquidity turnover. Amount: 5000- 1 000,000 yuan Application address:/activity/product/startup-xxiaozhang.html (21) Easy Loan for Students-It is an organization providing funds such as Easy Loan China United Bank, aiming at solving the current employment problem of college students and helping them (junior college students, undergraduates and graduate students). ) achieve autonomy. Amount: 50-200,000 yuan. Address of the registration form:/activity/product/student-xxiaozhang.html (22) Easy Loan for Webmasters-Easy Loan is a special loan product provided by China United Bank and other fund providers for personal webmasters, which helps small and medium-sized webmasters to introduce VC funds to build nests and attract phoenix, laying a solid foundation for rapid development in the future. Amount: RMB 50-200,000. Application Address:/Activities/Products/ Webmaster-xxiaozhang.html ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ As long as you submit your application online, Easy Loan China will review it for you as quickly as possible to solve the problem of fund shortage for you-you only need to fill in your loan demand and your information (you don't need to fill in personal identity information and other privacy). In this process, you have the right to choose any bank until you are satisfied. E-loan China loan application process: online application-E-loan China financing consultant contacts the applicant and verifies-submits the application to the bank/microfinance company-the bank/microfinance company contacts the applicant-signs the loan contract. One application business, many financial institutions respond! Save time for lenders to run to major banks and reduce costs outside loans! There are many types of easy loans in China, among which personal credit loans and housing loans are free of service charges nationwide, while other types of loans will charge 2%-3% service charges. This is the lowest service fee among peers, which saves the lender's fee other than the loan, and solemnly promises that the task fee will never be charged before the loan is obtained! Friendly reminder: the online application will be reviewed on the same day (9: 00- 18: 00, except weekends). Please keep the phone/mobile phone open so that the financial advisor can contact you to verify the situation. If not, the application will be considered invalid. Easy Loan China makes it easy for you to get a loan. The landlord can apply online, and the financing consultant will contact you by phone on the same day (9: 00- 18: 00) to provide you with a suitable financing plan. You can consult in detail then. Don't expect the landlord to choose the answer, but you have to understand! An application can be submitted to multiple banks, which saves the time for lenders to go to major banks and reduces the costs other than loans. You might as well try, but it doesn't work, and there is no charge. I wish you an early realization of your dream.