which is better for bank and enterprise loans? You can apply for these products!
for business people, working capital is very important, which can not only meet the daily business needs, but also require a lot of money to expand the scale. Nowadays, many banks have corporate loans. Today, we will introduce which bank corporate loans are good, and everyone can choose freely according to their own needs.
1. Postal Savings Bank-Tax Credit Link
Maximum credit: 3 million
Credit term: 1 year (the credit limit is valid for 2 years)
Credit conditions:
1. The enterprise is operating normally, with a tax record of more than 3 years.
2. Small and medium-sized enterprises with AB tax rating
2. Ping An Bank-Tax Loan
Maximum credit: 3 million
Repayment method: credit conditions with daily interest:
1. Legal persons or shareholders (2%) can apply
2. Merchants who issue VAT invoices will pay taxes after the business license has reached 3 years.
III. Xiamen Bank-Tax e-loan
Maximum credit: 3 million
Credit conditions:
Small and micro enterprises guaranteed by joint liability of legal person and actual controller.
IV. Harbin Bank-Golden Tax Easy Loan
Maximum credit: 5 million
Credit term: 36 periods at most
Credit conditions:
1. The legal person (or actual controller) has a fixed residence at the location of the branch.
2. The tax payment record and credit record in recent two years are good.
V. Zunyi Bank-Tax Credit Link
Maximum credit: 3 million
Credit term: 12 months
Credit conditions: unsecured, unsecured, and subject to normal tax payment
VI. bank of dalian-Tax Credit Link
Maximum credit: 3 million
Credit term: 12 months. Mainly these!
if an enterprise wants to operate and expand normally, it must have sufficient liquidity, otherwise it will be difficult to maintain normal operation. Loans from banks are a common way to raise funds. What types of loans can enterprises apply for? Mainly related to the enterprise's own situation, the following are more common types of loans, which meet the needs of most enterprises. You can learn more about them.
1. Joint guarantee loan
At present, a common enterprise loan is that some small enterprises with loan needs unite to guarantee each other and apply for a loan from the bank in a unified way. Once one of the members is overdue, other enterprises will bear joint and several liabilities. Many small households in rural areas adopt this way, and do not need to provide additional mortgage guarantee or resort to loan companies. The cost is relatively low, the next payment is fast, but the risk is relatively high.
2. Credit loan
For example, the micro-business loan of Weizhong Bank is a kind of enterprise credit loans that can be applied online. This kind of loan product is characterized by low threshold, quick payment, convenient handling and direct online application, which can quickly solve the capital problem of enterprises.
enterprise credit loans doesn't need mortgage guarantee, which mainly depends on the information and credit investigation of the legal representative. In addition, the operation, income and credit investigation report of the enterprise are also the key audit contents of the bank.
3. Mortgage loan
As long as there are eligible collateral in the name of the enterprise, such as houses, shops and fixed assets, you can get a large loan in the form of mortgage loan, which is generally 8% of the asset value. This kind of loan has a relatively high pass rate and a relatively high amount.
the best loans for small and micro enterprises
1. Small and micro fast loans of China Construction Bank
There are four services under the small enterprise finance of China Construction Bank, namely, growth path, fast loan, micro-loan and credit loan. The corresponding small and micro enterprises are different under each service, so they need to be selected according to their own conditions.
2. Micro-business loan of Weizhong Bank
The micro-business loan service under its door is provided for small and medium-sized enterprises, and the related enterprises do not need mortgage and pledge, and the line is visible, with daily interest, with a maximum loan of 3 million yuan and the longest repayment period of 36 periods.
3. Small and micro lightning loans of China Merchants Bank
Small and micro lightning loans belong to pure credit loans, which are exclusive to small and micro business owners, with a maximum loan of 5, yuan. For details, please refer to "Personal Loans of China Merchants Bank" on WeChat WeChat official account.
The standard for small enterprises is generally that the number of employees is less than 5 or the annual sales of enterprises is less than 1 million yuan;
the standard for processing small enterprises is that the number of employees is less than 3 or the annual sales of the enterprise is less than 3 million yuan or the total assets of the enterprise is less than 4 million yuan;
The standard of wholesale small enterprises in small circulation enterprises is that the number of employees is less than 1 or the annual sales of enterprises is less than 3 million yuan; The standard for small retail enterprises is that the number of employees is less than 1 or the annual sales of enterprises is less than 1 million yuan;
the standard for small transportation enterprises is that the number of employees is less than 5 or the annual sales of enterprises is less than 3 million yuan; The standard for small warehousing enterprises is that the number of employees is less than 1 or the annual sales of enterprises is less than 1 million yuan.
as long as one of the above criteria of the number of employees or annual sales (total assets of the enterprise) is met, it can be identified as a small enterprise.
application conditions
1. It conforms to the national industrial and industrial policies and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and no bad credit record;
3. Have a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, and hold a loan card issued by the People's Bank of China and subject to normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, has a fixed basis and business premises, operates legally, and the products have market and benefits;
5. Have the ability to perform the contract and repay the debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The business operator or actual controller has more than 3 years' experience, good quality and no bad personal credit record;
7. The operation of the enterprise is stable, the establishment period is in principle more than 2 years (inclusive), there is at least one financial report for one or more fiscal years, and the sales revenue growth and gross profit are positive for two consecutive years;
8. Comply with the policy of establishing industry credit related to small business;
9. Abide by national financial regulations and policies and relevant bank regulations;
1. open a basic settlement account or a general settlement account with the applicant bank.
which banks can make corporate loans now? Mainly these
small and medium-sized enterprises want to grow and develop, they must have sufficient funds, so many enterprises will apply for corporate loans to ensure the normal production and operation of enterprises. Enterprise loans can be handled by commercial banks or loan companies, while bank loans are popular because of their large amount, long period and low interest. So, which banks can make corporate loans now? Here is an inventory for everyone.
1. Bank of China
Bank of China can provide corporate online banking loan services, including e-loan for Bank of China enterprises and online banking for Bank of China. Both cannot apply at the same time.
1) E-loan for Bank of China enterprises: it is open to the national standard small and micro enterprises within the customer scope of China Bank Credit Factory. Borrowing enterprises and their legal representatives will make repayment with the borrowers. Enterprises can log on to the online bank of Bank of China, and select "E-loan for Bank of China enterprises" in the "loan service" to initiate product application, with no need for mortgage and repayment at the same time. The maximum loan amount is 3, yuan.
2) Bank of China Net Easy: customers who have passed the approval of SME credit factory loan need to apply for online banking loan business of credit factory model to inclusive finance Branch of the local branch, and sign relevant contract texts and agreements after approval.
2. China Construction Bank:
China Construction Bank can provide loans to small and micro enterprises, including 9 series of products, such as small and micro fast loans, tax easy loans, good financial loans, transparent settlement and credit loans.
1) On the official website homepage of China Construction Bank, you can click "Small and Micro Enterprises-Business Application-Apply Now-Fast Loan Application" and follow the prompts, or you can log in to the mobile banking and operate through the "Loan-Small and Micro Fast Loan" menu;
2) For the other eight products, you can log on to the homepage of China Construction Bank in official website, click "Small and Micro Enterprises-Business Application-Apply Now-Online Banking Revolving Loan Application" to fill in the application form for small business loans online, or call the contact person of the small business department of the local branch, and the branch will match the account manager to handle it.
what corporate loans are available now? Try these five!
Many banks have granted corporate loans this year, which can help small and medium-sized enterprises to resume their operations and expand their production. The application conditions of each product are different. Today, let's take a brief inventory. You can go to the outlets to consult for details.
1. China Construction Bank-Tax Loan
Maximum credit: 3 million
Credit term: 1 year
Repayment method: monthly interest (interest first, capital later
Credit conditions:
1. Small and medium-sized enterprises and individual industrial and commercial households that have been registered for more than 2 years and have a tax grade of AB.
2. The annual tax payment is more than 5, yuan, and there is no tax violation.
3. The debt of the enterprise and the applicant is not higher than 5 million, and the applicant is 23-6 years old.
4. The applicant is not overdue at present, and the past overdue period is no longer than 9 days.
II. Weizhong Bank-Invoice Loan
Maximum credit: 3 million
Repayment method: monthly interest (average capital
Credit conditions:
Most parts of the country can operate, the enterprise has been in operation for one year, the invoice has been issued for nine months, and the annual invoice is more than 1 million.
III. Weizhong Bank-Micro-loan
Maximum credit: 3 million
Credit term: 36 months at the longest
Repayment method: interest is calculated on a daily basis, and the loan is repaid with the loan (average 13, yuan)
Credit conditions:
1. Most parts of the country can operate, and the enterprise has been registered for 2 years.
2. The tax paid in the past year is more than 2, yuan, and the tax payment level is ABCM.
3. The applicant is 25-6 years old and has a good credit information.
iv. Agricultural Bank of China-agricultural tax loan
Maximum credit: 3 million
Credit term: 1 year
Repayment method: 5% annually, with interest paid back (with the loan)
Credit conditions:
1. The enterprise has been registered for more than two years, and the applicant is 23-6 years old.
2. The annual tax payment is more than 1, yuan, and the tax payment level is AB.
3. The debts of enterprises and individuals are less than 5 million.
4. Shareholders whose legal person accounts for more than 5% and more than 25% of the shares.
What platforms are there for corporate loans?
The platforms for corporate loans include Morlong, Weizhong Bank and China Construction Bank. It is recommended to choose Molong. The company can lend money as soon as one day without mortgage loan, and the apartment store can also apply for loan as soon as two hours without mortgage loan.
Advantages of corporate loans:
1. Low cost. Bank loans belong to a relatively low-cost category, with low interest rate, much lower agency fees or handling fees. The most important thing is that they are safe and reliable, and they will not be routine. Moreover, it is possible to get a certain discount on loan interest rates when applying for corporate loans in banks.
2. The loan amount is high. There is usually no upper limit for applying for corporate loans in banks. How much loan amount an enterprise can get depends mainly on its strength. Therefore, as long as enterprises meet the loan conditions of banks, almost all the enterprise loan quotas they want to apply for can be met.
There are the following loan platforms for enterprises:
1. Ping An Pratt & Whitney: a loan platform under the China Ping An Collective, with rich loan products, mainly providing mortgage loans and credit loans, with a maximum loan of 3, yuan.
2. CreditEase Huimin: CreditEase's loan platform provides mortgage and credit loan services, and individuals can borrow up to 2, yuan.
3. Paipai Loan: Paipai Loan is a listed company that provides various loan services such as small loans and credit loans. The initial loan amount is 5-3, yuan, and the maximum loan amount is 2, yuan afterwards.
4. Jiufu: Jiufu is an integrated service platform for Internet finance, with a variety of loan products, such as Jiufu Wanka, Jiufu Chaoneng, Jiufu Chaoneng, Jiufu Dingdang, etc., and the maximum loan amount can reach hundreds of thousands.
so much for the introduction of corporate loan recommendation.