Under normal circumstances, corporate loans will require the signature of legal persons, and it is necessary to inquire about the credit information of legal persons and enterprises. If the legal person is still a shareholder, it is necessary to divide the responsibilities according to the relevant situation after signing the contract. When applying for enterprise loans, some banks will require enterprises to provide guarantees, and legal persons or shareholders can provide their own real estate and automobile products as collateral, which makes it easier to apply for loans.

If the enterprise fails to repay the loan on time, the legal person needs to bear corresponding responsibilities to the company according to the subscribed capital contribution. If the loan cannot be repaid, the collateral will be auctioned according to law to pay off the debt. If a legal person does not provide a guarantee, it does not need to bear joint liability, and the loan under the company name cannot be used for personal credit investigation.

What should I pay attention to when applying for corporate loans?

1. Determine the loan amount and loan term.

When enterprises apply for loans, they often encounter operational difficulties. Therefore, it is necessary to determine the amount and duration of the loan according to the actual situation of the enterprise. It is not recommended to borrow too much money at one time, and the short loan period will often lead to overdue and unnecessary trouble.

2. Provide appropriate collateral.

If the demand for funds is large and you want to get a large loan, it is suggested to provide appropriate collateral to the lending institution, so that the loan success rate is higher.

3. The business license shall meet the requirements.

If you want to apply for corporate loans, most of them need a business license of more than one year, and it is difficult to apply for loans with a newly applied business license.

As for the personal credit investigation of the loan in the name of the company, if it is not an enterprise legal person and has no signature, the enterprise loan will not affect the personal credit investigation, and it will not affect the personal credit investigation.

What are the procedures and conditions for enterprise loans?

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.

How much is the interest on the company loan?

At present, the comprehensive credit granted by SMEs to banks is five years, and the current annual benchmark is 7.05. You can choose different repayment methods according to the specific situation of your own enterprise, such as mortgage and circulation. And now there are basically fluctuations, and the specific fluctuations depend on how your business is doing.

Will corporate loans be displayed on the legal person's credit report?

Under normal circumstances, enterprise loans should not only check the credit information of enterprises, but also check the credit information of legal persons. If the enterprise's credit information is tainted, it will affect the enterprise's application for loans. However, in fact, whether the loan can be successful depends mainly on how the borrowing bank determines it. If it is a credit stain caused by malicious overdue, the probability of loan success is not great.

Reply time: 2020- 1 1-27. Please refer to the latest business changes announced by Ping An Bank in official website.

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Will corporate loans be shown in corporate credit report?

If the legal person does not use personal assets as company guarantee, then the enterprise loan will not be reported to the legal person for credit investigation. The legal representative is the main participant in enterprise loans and applies for loans from banks and financial institutions on behalf of the company. Although banks will check the credit information of legal persons, which may also affect the success rate of corporate loans, corporate loans will not be displayed on the credit information of legal persons unless the legal persons provide personal guarantees and assume joint and several liabilities in the future. The debts of corporate loans have nothing to do with legal persons, but will be displayed on corporate credit information as an important reference for future financial business.

Tips: The above information is for reference only, subject to the actual situation.

Response time: 2021-01-12. Please refer to the latest business changes announced by Ping An Bank in official website.

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Will the corporate tax loan of China Construction Bank1000000 be used as a legal person for credit investigation?

Hello, as far as I know, most of the corporate loans of China Construction Bank are tax loans and ticket loans, which belong to credit loans. Ticket loans are mostly credit loans, which are personal liabilities, while tax loans are not corporate credit, but only corporate credit, and have nothing to do with corporate credit. Some tax loans are considered as corporate credit, and then guaranteed by operators, which is also considered as corporate debt. All kinds of corporate loans will check the corporate credit information. If the corporate credit information is poor, it will lead to the inability to lend.

Bad corporate credit records will affect corporate loans, but different situations have different effects.

I. Products to be applied for:

1. If it is enterprise credit loans, the credit information of the legal person is an important basis for approving the loan.

2. If it is an enterprise mortgage loan, the bad credit information of the legal person will also have an impact, but it can be solved by increasing the guarantor.

3. If it is enterprise bill discount, the impact of bad credit information of legal person is low.

Second, the degree and influence of bad credit are also different:

1. If the legal person forgets to repay due to unexpected circumstances, the impact is not significant.

2. If the legal person has many overdue records, it is difficult to apply for loans from relevant enterprises.

Third, the solution:

There are several solutions to the problem that enterprises can't apply for enterprise loans because of enterprise credit information.

1. If the legal person has a bad credit record, the loan will be refused.

1) Shareholders whose shares account for more than 10% of the company may apply for company loans.

2) If the enterprise has no other applicants, it can change its legal person and apply for loans from relevant enterprises one year after the change.

3) The pass rate can be improved by adding guarantors, discounted bills or collateral.

4) You can apply for mortgage loans or credit products by discounting bills.

2. If the legal person is rejected because of too many credit inquiries.

1) You can check the requirements of specific products for credit inquiry times and product application times, select products that meet the requirements, or postpone the loan application time until the legal person meets the requirements.

2) Shareholders who account for more than 65,438+00% of the company's shares can apply for company loans.

3. If it is because there are many outstanding loans in the name of the enterprise legal person, it will be rejected.

1) allows legal persons to settle in advance and apply for new loans.

2) Shareholders who account for more than 65,438+00% of the company's shares can apply for company loans.

3) Credit products that can be discounted as bills. I hope my answer is helpful to you.

If the company has loans overdue, will it affect the legal person's credit reporting?

Have a great influence.

The legal person is the legal representative of the company. It can be said that all major events and minor events of a company are related to the legal representative. Therefore, if the company is overdue, the lender has made a judgment on the legal person, and the legal person refuses to implement it, then, to this extent, the legal representative of the natural person company will be on the credit investigation, blacklisted, and will be restricted from high consumption, tourism and so on.

We should make it clear that if the company is overdue, the debtor and creditor have been in benign communication and repayment negotiation, which will not affect the legal person's credit investigation.

It has an impact on the legal person's credit information, which is basically that the communication between the debtor and the creditor is fruitless and has been torn up. Then the creditor chooses to enforce it, so the legal person, as the top leader of the company, naturally bears the debt responsibility, and naturally its credit information will also have an impact.

For example, Luo Yonghao and Luo Yonghao's credit investigation, because he is the legal person of Hammer Technology. Hammer Technology also has other investors, but none of them have received the letter of credit, and Luo Yonghao has received the letter of credit, so he has to bear all the debts. In this way, we can actually draw an example that legal persons have greater responsibilities and obligations.

In a company, the legal person may not have the most say, but it must be the legal person who is responsible. And so on, if you are climbing in a company, if you want to be a legal person, don't think it is a good thing.

As a legal person, when managing a company, we should try our best to avoid risks. We should know that many legal persons are actually a false name, and even when the company is in debt, many legal persons know nothing. This situation can only be said to be required by the legal representative. It is still necessary to pay more attention to the company's financial situation and prevent passive debt.

Let's stop here for the introduction of corporate credit reporting on corporate loans.