Influence of registered capital loan

Can I get a loan of100000 with a registered capital of 2 million?

The registered capital of the business license is 2 million, and it is not allowed to lend 6,543,800+million.

First of all, the registered capital of the business license is not allowed to lend, and second, the loan reaches a certain level after the credit rating. If the loan is based on the invoice amount of the enterprise, the maximum loan can be 2 million, so the registered capital of the business license of 2 million cannot be loaned to100000.

Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities.

I own a company with a registered capital of 1 million. Can I apply for a loan for SMEs? How much can I borrow?

Generally speaking, you can apply for SME loans, but you must meet certain conditions before you can apply for SME loans. The loan amount is generally10-1million. The formal platform with low interest rate recommends Moerlong, which is aimed at groups over the age of 25-55 who need large loans, not online loan groups. Unsecured loan, fastest 1 day.

Loan application materials:

1. Basic information of the enterprise: business license, organization code certificate, tax registration certificate, company profile or organization documents, etc.

2. The identity certificate of the legal representative of the enterprise, the identity cards or passports of the company's key personnel and shareholders holding more than 15%, etc.

3. The certificate of real estate ownership or lease contract of the factory building, office, warehouse and other business premises.

4. Financial statements of the enterprise in the past two years (balance sheet, income statement and cash flow statement) and bank statements and financial vouchers of the enterprise in the past six months (such as enterprise VAT invoice summary table, etc.). ).

5. Loan certificate (card) issued by China People's Bank.

6. Other information required by the bank.

For more information about the loan, please consult Moore Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

How much can I borrow with a registered capital of 8 million?

No loans. According to relevant laws and regulations, the registered capital must be owned by the enterprise or its shareholders, and bank loans must have clear loan purposes. Loans are not allowed as registered capital in the General Principles of Loans. Therefore, the registered capital of 8 million is not allowed to lend, which is against the regulations and involves illegality.

How much registered capital does it need to borrow from the bank?

Now the loan needs the company to provide property mortgage or guarantee, so the registered capital has no practical impact. 1. stipulates that registered capital cannot be loaned; 2. When the company is registered, it needs to provide a capital verification report from an accounting firm to prove that free funds are used for registration. 3. In practice, you can register with a loan, but you can't register directly with a loan by posting from a bank. You must turn over the funds. In short, the report issued by the firm should be your own funds. It is impossible for you to calculate capital and liabilities with 654.38+0 million. As I said just now, your loan is from another channel, which is not included in the company you are registered now. In other words, this 6,543,800+is only your registered capital as a part of your net assets. (1) Credit loan A credit loan refers to a loan issued by a bank with the credit of a borrower, and the borrower does not need to provide a guarantee. According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans. 1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive). 2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including). 3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years). (2) Fixed assets fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects. According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan: 1. Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc. 2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises. (III) Enterprise mortgage enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Term of enterprise loan: generally 65,438+0-2 years. Enterprise loan amount: 654.38+10,000 ~ 500,000 yuan (4). Basic requirements: 1. Small and medium-sized enterprises registered in Shanghai. 2. Hold a loan card issued by the People's Bank of China, and have no bad credit record. 3. The company has been registered and operated for more than 3 years, with an annual turnover of more than 3 million in the latest year. In China, the registered capital is not affected when the first venture enterprise loans. When dealing with such incidents, banks need to provide relevant asset certificates and related collateral. Relevant banks can provide relevant loan amount according to the submitted certification materials, and relevant enterprises can handle loans accordingly.

The company intends to increase its registered capital. Can it use a bank loan?

You can't.

There are two main reasons why a company cannot use bank loans when preparing to increase its registered capital:

1. Because the registered capital of the company belongs to investment capital and venture capital, there is a possibility of loss, and there is a risk of recovery after bank loans.

If the repayment is not made on time, the bank will recover the enterprise's funds and the enterprise will go bankrupt. At this time, there will be problems in the payment of employees' wages, which will adversely affect social employment and market stability.

1. According to Article 26 of the Company Law, the registered capital of a limited liability company is the capital contribution subscribed by all shareholders registered at the company registration authority. Where laws, administrative regulations and decisions of the State Council have other provisions on the paid-in registered capital and the minimum registered capital of a limited liability company, those provisions shall prevail.

No matter the national laws, policies or general rules of bank loans, it is not allowed to increase the registered capital by means of loans. The bank will not give you a loan for this, and the accounting firm cannot issue a capital verification report for this situation, and the government department will not approve it.

Two. The materials required for an enterprise to apply for a loan are as follows:

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and bills of water and electricity for the past three months.

4. All kinds of tax bills and purchase and sale contracts signed in the last six months.

5. Proof of assets under the name of the enterprise.

Three, the conditions for enterprises to apply for bank loans are as follows:

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

2. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection.

3. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits.

4. Have the ability to perform contracts 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.

Can a company use a loan for its registered capital?

The registered capital of the company cannot be used for loans. Registered capital is the total capital registered by the joint venture in the registration authority, which is the sum of the capital contributions paid or promised by all parties to the joint venture.

Legal analysis

If the flow rate is far below the minimum flow rate to ensure accuracy, there will be no output (such as vortex flowmeter) or the output signal will be cut off as a small signal (such as differential pressure flowmeter), which is unfavorable and unfair to suppliers. In order to prevent the loss of benefits, for a specific set of thermal energy metering equipment, the supply and demand sides often agree that a certain flow value is the "agreed lower limit flow" according to the flow measurement range and the achievable range, and agree that if the actual flow is less than the agreed value, it will be charged according to the lower limit flow. The metrological administrative department of the people's government at or above the county level may set up metrological verification institutions according to needs, or authorize metrological verification institutions of other units to perform compulsory verification and other verification and testing tasks. Personnel who perform the verification and testing tasks specified in the preceding paragraph must pass the examination. This function is usually realized in the flow display instrument. The metrological administrative department of the local people's government at or above the county level shall, according to the needs of the local area, establish public standard instruments of measurement, which shall be used after passing the examination presided over by the metrological administrative department of the people's government at a higher level. Enterprises and institutions may, as required, establish standards of measurement for their own use, and the highest standards of measurement shall be used after passing the examination presided over by the metrological administrative department of the relevant people's government. Metrological verification shall be carried out on site in accordance with the principle of economy and rationality. Metrological verification must be carried out in accordance with the national metrological verification system table. The national metrological verification system table shall be formulated by the metrological administrative department of the State Council.

legal ground

Article 26 of the Company Law of People's Republic of China (PRC), the registered capital of a limited liability company is the capital contribution subscribed by all shareholders registered in the company registration authority. Where laws, administrative regulations and decisions of the State Council have other provisions on the paid-in registered capital and the minimum registered capital of a limited liability company, those provisions shall prevail.