1. What is the loan interest rate for small and micro enterprises?

The level of loan interest rates is related to the industry. If there is a complete financial statement and all the information is complete, then the interest rate may be 30%-50% higher than the base interest rate. However, if there is no collateral and guarantee that can be liquidated and the financial statement is not complete, then the interest rate is likely to be 200% higher. %, which is three times the base interest rate.

In fact, banks today are not more concerned about the collateral, because the first source of repayment for small and micro enterprises is operating income. Banks are more concerned about the borrower's ability to repay, whether the operation is normal, and Whether there is a willingness to repay, etc., and many banks use this to determine the interest rate.

2. Small and micro enterprise loan interest rates of various banks

The interest rates of small and micro enterprise loans of various banks are about 5.1% to 5.5%. According to the existing information of banks, If the interest rate of small and micro enterprise loans is shown, it is around 5%, 1 to 5.5%

3. Small and micro enterprise loan interest rate?

The market interest rate for corporate loans is now the bank loan interest rate stipulated by bank management.

1. If the loan term is less than 1 year (including 1 year), the repayment method can be monthly or quarterly interest payment or one-time principal repayment upon maturity.

2. If the loan term exceeds one year, you can choose to repay the principal and interest in equal monthly installments or average capital.

2. Banks conduct investigations and evaluations before issuing loans, investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledges and guarantors, and form evaluation opinions.

3. With the consent of the bank, the two parties reach a cooperation agreement on the terms of the borrowing enterprise contract, mortgage contract, and guarantee company contract, and the relevant social parties sign a labor contract.

4. The borrower shall handle mortgage registration and other relevant procedures in accordance with the contract.

5. After the mortgage registration is completed, the relevant information will be handed over to the bank for loan processing.

4. What is the loan interest rate for small and micro enterprises?

Currently, it is difficult for small and medium-sized enterprises to obtain loans, and the interest rates are also very high. There is no way, the banks are also short of money, and they are not willing to sell more with limited resources to get some interest. If companies want to get loans, they have to raise interest rates to increase their leverage in obtaining loans. The 9% above is considered low. If you ask around, those with an increase of 10-20% are considered average, and there are many that are as high as 30-50%. For more information, you can go to New 36 Online, which is a website specifically related to small and micro credit.