Banking. Documents submitted by the borrower to obtain a loan from a commercial bank of the Russian Federation (lecture notes)

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Banking. Documents submitted by the borrower to obtain a loan from a commercial bank of the Russian Federation (lecture notes)

Lecture notes, cheat sheets

Directory / Lecture notes, cheat sheets

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Documents submitted by the borrower for obtaining a loan from a commercial bank of the Russian Federation

To obtain a loan, an enterprise must submit the following documents to the bank serving it:

1. Application-petition for a loan (it indicates the amount, purpose and term of the requested loan).

2. Feasibility study of the need for a loan (allows you to judge the effectiveness of the loan, the results of the payback period and, therefore, the terms of the loan repayment) or business plan

3. Copies of contracts or other documents confirming the purpose of the loan in accordance with the feasibility study and the possibility of its repayment.

4. Balances: annual and as of the last reporting date (used to determine the solvency and creditworthiness of the client)

5. Draft loan agreement (according to the form adopted by this bank).

6. A pledge agreement or a guarantee agreement, or a borrowers' liability insurance agreement in case of loan default. Depending on the form of loan repayment security chosen in agreement with the bank, they are attached to the loan agreement.

7. Urgent obligation - an order to repay the loan in accordance with the established deadlines.

8. Certificate of borrowed funds received from other banks (indicate the creditor bank, the amount of the loan taken, the form of its security and the repayment period).

If an enterprise applies for loans to other banking institutions, i.e., not at the location of the main account - settlement account, it must submit in writing to this bank institution a loan application containing the following information: full and abbreviated name of the borrowing enterprise, with indicating the form of ownership, the method of capital formation, the composition of structural divisions and branches; legal address of the enterprise; name of the bank institution where the current account is opened; name of the founders; by whom and when the enterprise was registered; main activities; business plan (or protocol of intent); the amount of authorized capital, including paid-up capital; the book value of the property owned by the enterprise, including fixed and working capital, of which they are pledged or insured; the purpose and amount of the loan requested; desirable conditions for obtaining a loan (term, interest rate, repayment procedure: one-time, phased, proposed types of collateral); names of the heads of the enterprise and economic services who have the right to sign on bank documents.

Simultaneously with the loan application, the borrowing company must submit to the bank its charter and balance sheet, notarized, as well as other statistical reporting, allowing, together with the balance sheet, to judge its solvency and profitability, copies of the memorandum of association, registration certificate, a card with sample signatures of the first persons and enterprise print.

Author: Shevchuk D.A.

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