In the development process of small enterprises, with the rapid development of business, their business premises and production plants will change or expand according to the development, but funds are still tight in the development process, so how to effectively allocate working capital and fixed assets has become a dilemma for small business owners. In order to ensure the rapid development of small enterprises, Huaxia Bank innovatively launched the product of "small enterprise legal person real estate mortgage loan", so that small enterprises can use mortgage loans to buy houses when buying office buildings or factories, make full use of future cash flow and relieve their worries about development.

It is understood that "housing loan and real estate mortgage loan for small enterprises as legal persons" is one of the special products launched by Huaxia Bank's small enterprise credit product "Dragon Boat Plan" for the development of small enterprises. This product is specially used to quickly meet the financing needs of small enterprises to buy real estate such as office buildings, shops and standard factories necessary for their own production and operation. It has the characteristics of diversified guarantee methods, fast loan issuance, flexible repayment methods and long repayment period, which can solve the cash shortage problem in the development period of small enterprises.

According to the relevant personnel of Nanning Branch of Huaxia Bank's SME Credit Department, through this product, as long as small enterprises agree to mortgage the property they intend to buy to the bank with the company's house purchase loan, and pay a certain proportion of down payment to the developer, before the formalities of mortgaging the property they intend to buy to the bank are completed, and the phased guarantee recognized by Huaxia Bank is added, they can obtain the bank loan as quickly as the individual house purchase mortgage loan, and it is effective to repay the principal and interest flexibly on schedule within a period of no more than 65,438+00 years.