It refers to the credit loan products launched by banks and other financial institutions specifically for small and micro enterprises that pay taxes according to law. As long as they meet the relevant requirements, small and micro enterprises can apply for tax loans from banks, and the amount is determined according to the tax amount.
Conditions for handling tax loans: the borrowing enterprise has legal and valid business licenses and other documents; Before the date of application, the borrowing enterprise has no unpaid taxes and no criminal record; The tax credit rating of the borrowing enterprise in the previous year was above M; The borrowing enterprise has been operating continuously for more than 2 years, has development potential, and is in a profitable state in the past 2 years; Borrowing enterprises do not belong to high pollution and high consumption enterprises; Other conditions required by the lending bank.
Handling methods of tax loans:
Submit the required information such as business license to the bank and fill in the loan application form; The bank shall review the loan information and approve the loan amount and term; After approval, the two parties sign a loan contract, and the bank will release the loan to the borrower's account; The borrower repays the principal and interest on time.
Maximum amount of individual tax loan: the maximum amount of each bank is different. For example, the maximum amount of ICBC is 500,000 yuan, and the maximum amount of Ping An Bank and Hangzhou Bank is 6,543,800 yuan. The tax loan amount is mainly determined according to the tax payment of the borrowing enterprise. The higher the tax payment, the better the credit status of the borrowing enterprise and the higher the amount. If the borrowing enterprise pays higher taxes and wants to obtain a higher credit line, it is recommended to choose a bank with a higher upper limit.
Tax loans are generally issued for enterprises. When it comes to enterprises, everyone knows that they have the obligation to pay taxes. Tax band is a loan product issued according to the tax amount, and the loan amount is determined according to the tax amount. The higher the general tax, the higher the loan amount, and vice versa.
The amount of tax is directly related to the development of an enterprise, so in order to recover the loan smoothly, tax loans are always issued to enterprises with higher tax payment, which plays a protective role in loans. At the same time, enterprises can also apply for tax loan repayment by installments, and the installment period is determined according to the economic income of enterprises, which greatly relieves the pressure on enterprises to repay loans.