"Commercial loan" is a financing product that serves small and medium-sized enterprises, micro-enterprises and private owners, and helps borrowers to finance. It has the characteristics of short loan approval time, easy repayment and more flexible implementation of cooperative banks. Through efficient and high-quality service and scientific and simplified approval process, every private owner is satisfied.
Application conditions
A natural person under the age of 60 with full capacity for civil conduct; Can provide legal, effective and sufficient real estate as collateral; Good credit and the ability to repay the loan principal and interest in full and on time.
The intended use of the loan
Operating loans are limited to the borrower's investment in securities, futures and equity, and may not be used for real estate project development or projects explicitly prohibited by national laws and regulations.
Guarantee method and loan amount
Collateral for business loans of enterprises shall be houses, commercial houses and dual-use houses under the name of individuals (including third parties) or enterprises; The loan amount shall not exceed 8 of the assessed value.
deadline
The longest loan term shall not exceed 10 years (including 10 years).
loan rate
The interest rate of the People's Bank of China shall be implemented or appropriately floated.
Repayment method
If the loan term is within 65,438+0 years (inclusive), the interest shall be paid monthly. If the loan term exceeds 1 year, the principal and interest shall be repaid monthly.
Loan process
◆ The borrower applies and submits relevant materials.
◆ Conduct real estate appraisal.
◆ Pass the examination and approval and go through the mortgage registration formalities.
◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract.
◆ Settle the loan principal and interest, and mortgage the house.
Information to be provided
◆ Personal ID card, household registration book and proof of marital status.
◆ Proof of repayment ability such as personal income or personal assets.
◆ Proof of loan purpose (such as house purchase contract, etc.). ).
If the house property of three people is mortgaged, all the houses shall be provided).
◆ Annual examination of business license, tax registration certificate, organization code certificate, articles of association of enterprise as a legal person and financial statements.
Main projects of Beijing Express Easy Loan: Beijing housing mortgage loan, Beijing personal mortgage loan, Beijing auto loan, second-hand housing loan, garage, application for unsecured car loan for small and medium-sized enterprises, mortgage bank loan, loan advance, mortgage loan, equity pledge of investment projects, etc. Beijing Kuaiyi Loan Company: With the absolute advantage of lending first and charging later, the "one-stop service through train" serves the Beijing market.
Second, how to handle SME business loans?
"Commercial loan" is a financing product serving small and medium-sized enterprises, micro-enterprises and private owners. Helping borrowers to finance has the advantages of short loan approval time and flexible repayment method. At the same time, Beijing Kuaiyi Loan and Cooperative Bank implements more flexible and pragmatic evaluation standards, establishes characteristic service channels, and satisfies every private owner through efficient and high-quality services and scientific and simplified examination and approval procedures. Application conditions: a natural person under the age of 60 with full capacity for civil conduct; Can provide legal, effective and sufficient real estate as collateral; Good credit and the ability to repay the loan principal and interest in full and on time. Loan Purpose Business loans of enterprises are limited to the normal capital needs of borrowers in the process of investment and operation, and may not be used for equity investment in securities, futures and equity, real estate project development or projects explicitly prohibited by national laws and regulations. Guarantee method and loan amount: the collateral for business loans of enterprises should be houses, commercial houses and dual-use houses under the name of individuals (including third parties) or enterprises; The loan amount shall not exceed 80% of the assessed value. Loan Term The longest loan term shall not exceed 10 years (including 10 years). The loan interest rate shall be subject to the loan interest rate of the same grade at the same period stipulated by the People's Bank of China or be appropriately raised. Repayment method: If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, installment repayment or one-time repayment shall be adopted; If the loan term exceeds 1 year, the principal and interest shall be repaid monthly. Loan process ◆ The borrower applies and submits relevant materials. ◆ Conduct real estate appraisal and pre-loan investigation and approval. ◆ Pass the examination and approval and go through the mortgage registration formalities. ◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract. ◆ Settle the loan principal and interest and recover the mortgaged house. Information to be provided ◆ Personal ID card, household registration book and proof of marital status. ◆ Proof of repayment ability such as personal income or personal assets. ◆ Proof of loan purpose (such as house purchase contract, etc.). ). ◆ Property right certificate (if the third party's property is mortgaged, the identity certificate of the property owner and the written certificate of consent to mortgage are also required). ◆ Annual examination of business license, tax registration certificate, organization code certificate, articles of association of enterprise as a legal person and financial statements. Main projects of Beijing Express Easy Loan: Beijing housing mortgage loan, Beijing personal mortgage loan, Beijing auto loan, second-hand housing loan, garage, small and medium-sized enterprises, Beijing vehicle mortgage loan, auto loan application, mortgage bank loan, loan advance, mortgage loan, equity pledge of investment projects and other services, and truly apply for loans on the same day! Beijing Kuaiyi Loan Company: With the absolute advantage of lending first and charging later, the "one-stop service through train" service and the Beijing market.
3. How to apply for SME loans? Need to submit these materials!
Small and medium-sized enterprises need financial support most, otherwise they can't guarantee normal operation and expand production. Now all major banks have corporate loans, and they must apply according to the prescribed procedures. Today, we will introduce how to apply for SME loans.
I. Application Conditions Major banks have different requirements for corporate loans. Basically, it is necessary to inspect the operation, reputation and assets, and to provide certain mortgage. 1. The enterprise has been established for at least 3 years. 2. It has a fixed business place and is in good financial condition. 3. Provide the invoice amount for the past six months, and not less than 654.38+500,000. 4. Other conditions required by the bank. Different banks have different conditions. The loan period stipulated by general banks for small and micro enterprises is 1-3 years, and the loan amount is generally10-10 million. 2. Application materials 1. Information that requires basic information of the enterprise: business license, organization code certificate, tax registration certificate, company profile or organization documents, etc. 2. The identity certificate of the legal representative of the enterprise, including the identity cards and passports of key personnel of the company and shareholders holding more than 65,438+05% of the shares. 3, factory buildings, office warehouses and other business premises of the property right certificate or lease contract. 4. The financial statements of the enterprise in the last two years and the financial statements and financial vouchers in the last six months. 5. Other application materials required by the bank. Three. Application process 1. Apply for a loan. 2. Credit review and loan review of lending institutions. 3, loan enterprises and lending institutions signed a loan contract. It takes a long time for small and micro enterprises to get loans from banks. For some small and micro enterprises that are in urgent need of money, it will be delayed if the loan time is too long. It is suggested that they can consider applying for a loan from a local formal loan company.