2. Loan term: The loan term of a project generally refers to the effective term of the loan, which is generally determined according to the actual situation of the project and generally will not exceed 65,438+00 years.
3. Loan interest rate: The interest rate of project loans generally refers to the interest of loans, which is generally determined according to market conditions. Generally, it is floating interest rate or fixed interest rate.
4. Repayment conditions: The repayment conditions of the project loan generally refer to the repayment method of the loan, which is generally determined according to the actual situation of the project. Generally, it is a monthly repayment, quarterly repayment or one-time repayment.
It is necessary to apply for a project loan. First of all, we should understand the four basic conditions of project loan, namely, loan purpose, loan term, loan interest rate and repayment conditions. The purpose of the loan generally refers to that the loan is used to invest in a project in order to obtain investment income and pay for the construction and operation expenses of the project. The loan term is generally determined according to the actual situation of the project, and generally will not exceed 10 year; The loan interest rate is generally determined according to the market situation, generally floating interest rate or fixed interest rate; The repayment conditions are generally determined according to the actual situation of the project, and are generally paid monthly, quarterly or in one lump sum. When applying for a project loan, we must understand these four basic conditions in order to better grasp the risk of the loan and avoid unnecessary losses.