Enterprise loans refer to large long-term investments for the purchase and construction of fixed assets and technical transformation. Funds borrowed by enterprises or other financial institutions at the prescribed interest rate and time limit. Compared with other borrowers, it is more difficult for small and micro enterprises to apply for loans. What factors are related to the loan interest rate?
First of all, small and micro enterprise loans, like other loans, are borrowed from different institutions, and the interest rate obtained when banks apply for loans is the lowest. However, banks often have higher requirements and also have requirements for small and micro enterprises.
In fact, in addition to small and micro enterprises, banks also require small and micro enterprises to have certain deposits in banks or purchase related wealth management products. Most small and micro enterprises can't meet the application of banks.
It is understood that it is easier for small and micro enterprises to apply for loans from small loan companies, but the borrowing cost is often two to three times the benchmark interest rate of banks. Some small and micro enterprises have poor qualifications, and small loan companies may raise all fees to nearly four times the benchmark interest rate.
Second, the loan interest rate of small and micro enterprises
What is the general interest rate for corporate loans? The benchmark interest rate of loans from the People's Bank of China can be divided into three situations. The first is the interest rate of 4.35% for a short loan period (within 6 months or 1 year); Second, the benchmark interest rate for medium and long-term loans is 4.75% (including term 1 to 3 years); The third type belongs to the long benchmark loan interest rate of 4.9% (the loan term is more than 5 years). The interest rate of local banks is adjusted according to the benchmark interest rate of the central bank. In addition, the loan interest rate is also comprehensively evaluated according to the business type, credit status and guarantee method of the applicant. It needs to be approved by the handling outlets before it can be determined. If there is demand, I recommend you to use the money flower, which is a credit service brand under Xiaoman Finance (formerly known as Baidu money flower, renamed as "money flower" in June 2065438+08). The interest rate of big brands is low. If you have money to spend, you can borrow money easily. The maximum loan amount is 200,000, and the daily interest rate is as low as 0.02%. Click to measure the amount online.
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3. Is the loan interest rate for small and micro enterprises high?
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4. What is the general interest rate of corporate loans of Weizhong Bank?
Weizhong Bank can not only manage money, but also lend money. Its benchmark interest rate is 4.35% for short-term loans, 4.75% for medium-and long-term loans for one to five years, 0.02%-0.05% for micro-loans and 0.03%-0.045% for small and micro-enterprise loans. The annual interest rate of micro-car loans is 6.6%, and micro-industry loans also bear interest on a daily basis, but the specific interest rate is evaluated by the system.