How do small and micro enterprises handle mortgage loans?

1. How do small and micro enterprises handle mortgage loans?

The materials for small and micro enterprises to apply for mortgage loans generally include:

1, application;

2. Company profile;

3. A copy of the company's business license;

4. Enterprise code certificate;

5. Tax registration certificate (national tax and local tax);

6, special industry production and business license, qualification certificate;

7. Articles of Association;

8. Capital verification report;

9. Brief introduction of the legal representative;

10, ID card of legal representative;

1 1. The identity certificate of the legal representative issued by the company;

12. The board of directors agreed to the loan resolution;

13, financial statements verified by accounting (auditing) firms in recent three years;

14. Balance sheet, income statement and cash flow statement for the last three months;

15. Description of financial status: a) Description of liabilities; B) investment description; C) Description of sales revenue and profit sources of the enterprise;

16, loan card and password;

17. Description of providing loan guarantees for other enterprises;

18, repayment plan;

19, copies of ongoing and upcoming commercial contracts;

20, fund use plan or project feasibility report;

2 1. collateral required materials: a) collateral ownership certificate (state-owned land use right certificate, house ownership certificate); B) collateral assessment report. The above are common requirements for mortgage loans of small and micro enterprises, and it is not excluded that different banks have different requirements.

Second, the processing flow of enterprise mortgage loan business

Commercial mortgage loan processing flow:

The borrower applies and submits relevant materials.

Conduct evaluation, pre-loan investigation and approval.

Pass the examination and approval, and go through the mortgage registration formalities.

When issuing a loan, the borrower shall repay the principal and interest of the loan regularly as agreed in the contract.

The loan principal and interest shall be settled, and the mortgage loan shall be recovered. Before, my friends also set up a commercial loan in Rong Feng Garden, and all the procedures were handed over to them. Ha ha ha save trouble ha ha ha.

Third, how do small and micro enterprises apply for loans

1. The loan agent of the borrowing enterprise goes to the lending institution for small and micro enterprise loans. 2. Borrowing enterprises submit loan applications to lending institutions. 3 lending institutions to investigate the application materials of borrowing enterprises. 4. Lending institutions shall examine and approve loans. 5. Lending institutions sign contracts with borrowing enterprises. 6. Lending institutions issue loan funds. 7. The loan contract for small and micro enterprises came into effect.

4. What are the processes for small and micro enterprises of China Merchants Bank?

If you apply for a personal loan at China Merchants Bank, the current mortgage loan only accepts car mortgage loans, so you can use the purchased car as a mortgage application. If you have unexpired time deposits and certificates of deposit, you can also try to apply.