Individual joint guarantee loan
Personal guarantee loan is a kind of loan set up to solve personal loan and guarantee difficulties. Natural persons without immediate family members voluntarily form a joint guarantee group to guarantee each other.
Small and medium-sized enterprises jointly guaranteed loans
Product introduction
The joint guarantee loan for small and medium-sized enterprises refers to the loans issued by rural credit cooperatives to small and medium-sized enterprises within the joint guarantee organization for technological transformation, purchase, construction and maintenance of fixed assets and the purchase of intellectual property rights such as patents, trademarks and franchise rights. Joint guarantee loans are divided into general joint guarantee loans and special joint guarantee loans.
General secured loan refers to a loan in which a number of small and medium-sized enterprises form a guarantee group and sign an agreement, and when the borrower fails to repay the loan as agreed, the members of the guarantee group bear joint and several liabilities; Special joint guarantee loan refers to a loan that is jointly funded by a number of small and medium-sized enterprises, set up a risk fund, set repayment responsibility and loss risk compensation mechanism, and is issued to small and medium-sized enterprises by rural credit cooperatives.
To apply for a joint guarantee loan, there should be no less than five members of the joint guarantee team. During the whole repayment period, the asset-liability ratio of the members of the joint guarantee team should be kept below 60%. At least 30% of the annual sales income of the members of the joint guarantee team should be deposited in rural credit cooperatives. The credit rating of all members of the joint guarantee team should be A+ or above, and the members of the joint guarantee team are not related parties.
The amount of secured loans for small and medium-sized enterprises shall be determined within 25% of the total comprehensive credit, AA level within 20% of the total comprehensive credit, and A+ level within 15% of the total comprehensive credit; The total amount of loans of all members of the special joint guarantee loan team shall not exceed 3 times of the total amount of risk funds established. The maximum term of joint guarantee loans for small and medium-sized enterprises is 3 years.
Product characteristics
Help each other, enhance credit, convenient and fast, and low financing cost.
area of application
Small and medium-sized enterprises that meet the loan access conditions of rural credit cooperatives.
operation flow
(1) Establishment of UNPROFOR team
Sign a joint insurance agreement. Is a special joint guarantee loan, to open a risk fund deposit account in rural credit cooperatives, and by the members of the joint guarantee team and rural credit cooperatives * * * on the management, use, disposal and loss compensation of risk funds to reach an agreement.
(2) Apply for and provide the following information
(a) the loan application and commitment letter of the joint guarantee member;
② Business license, organization code certificate, tax registration certificate, loan card, etc. Loan applicants who have passed the annual inspection and members of the joint guarantee team;
(3) the identity certificates, articles of association or organizational documents of the legal representatives or responsible persons of the loan applicants and members of the joint guarantee team;
(4) Financial reports, audit reports, recent financial statements and statements notes of the loan applicant and members of the joint guarantee team in the past three years (small enterprises may not provide audit reports);
⑤ Other materials specified by rural credit cooperatives.