What Is Borrowing Capacity?

A borrower refers to an enterprise or institution that borrows monetary funds from a lender in a credit activity with its own credit or property as a guarantee, or a third party as a guarantee.

Borrower

First person-to-person (

The borrower must not simultaneously borrow money from different branches of the lender in the same jurisdiction;

Duty of notification. The borrower shall not provide the lender with false or concealed important facts about the balance sheet, profit and loss statement and other related production and operation situations, in order to prevent the borrower from using false production and operation materials to borrow loans that are not commensurate with their repayment ability, affecting Financial security of financial institutions;

The borrower may not use the loan to make equity equity investments. Except for a few cases stipulated by the state, China's Company Law and related enterprise laws and enterprise registration systems clearly stipulate that the parties establish a company or other enterprise (including as a company enterprise) Shareholders) must have a statutory minimum amount of registered capital. At the time of registration, these funds must be accompanied by capital verification certificates from relevant banks and certified public accountants;

The borrower shall not use the loan to conduct speculative business activities in securities and futures;

Except for borrowers who have obtained the qualifications to operate real estate according to law. No other unit or individual may use loans to engage in real estate business; borrowers who have obtained qualifications for real estate business in accordance with law may not use loans to engage in real estate speculation;

Borrowers may not take loans for illegal income from borrowing. The General Rules for Loans stipulate that borrowers shall not act as intermediaries to increase the price of the original loan (interest rate) to increase the interest rate of the financing market and affect the stability of the financial market;

Borrowers must not violate foreign regulations? [Regulations on the use of foreign exchange loans, before China s RMB is fully freely convertible, the state still has to supervise foreign exchange funds and impose qualification restrictions on the practice (foreign exchange) institutions. Ensure the orderly and safe flow of national foreign exchange funds.

Type: State-owned, collective,

Borrowers must provide relevant information to prove their property foundation in order to apply for loans. as follows:

Borrower Company Information

1. Enterprise business license, organization code certificate, account opening permit, tax registration certificate, company charter, capital verification report, loan card.

2. The company's annual report for the first three years of borrowing, three months of financial statements, and six months of corporate statements.

3. Lease contract of the operating site and proof of rent payment, water and electricity bills for the past three months.

4. Various tax bills in the past six months, and signed purchase and sales contracts (if any).

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