1. How to apply for enterprise credit guarantee loans?

Small enterprise credit guarantee loans refer to guarantee institutions that are mainly funded by the government and established in accordance with the law to mainly engage in small enterprise loan credit guarantee business, and In order to achieve specific policy goals, the government independently invests or jointly invests with other investors to establish guarantee funds, and entrusts guarantee institutions to operate based on government industrial policies. It provides credit guarantees to small businesses with development potential and assists them in obtaining Bank loan is a loan business tool/raw material loan object that supports and promotes the rapid and healthy development of small businesses

1. Projects that comply with national and local industrial policies and environmental protection requirements;

2. Projects to save energy, reduce material consumption, improve product quality, and develop famous and high-quality new products that are in short supply in the market;

3. Projects to expand exports to earn foreign exchange, introduce technology to digest and absorb, and innovate to replace imports;

< p>4. Encouraged small businesses identified as key supports by local governments.

Steps/Methods: Small businesses apply for loans from guarantee institutions: Small businesses provide written applications, funds, property and financial status information, and tax payment status according to law to the guarantee institutions. Guaranty agencies review small business loans. After passing the review, it will be recommended to the bank. After the bank's approval, the three parties, the guarantee agency, the lending bank and the small enterprise, sign a contract. Handle relevant mortgage, pledge or guarantee procedures. Lending banks lend money. Notes: Loan credit guarantee charge rate

Based on the risk level of the loan credit guarantee project, guarantee period, guarantee amount, etc., the general annual premium rate is generally 0.8%-1.2%. Small businesses applying for credit guarantee loans must meet the following conditions:

1. Registered with the industrial and commercial administration, have independent accounting, be responsible for its own profits and losses, have legal person status, and pass the annual inspection; 2. Conduct tax registration in accordance with the law , pay taxes in accordance with the law, and pass the annual inspection of the year;

3. Open an account at a relevant national commercial bank or other financial institution established in accordance with the law;

4. Have a registered capital that meets legal requirements , necessary operating funds, normal operation, and a certain level of operation and management; 5. Financial accounting standards, a financial accounting agency that meets the basic accounting standards, equipped with full-time accounting personnel holding accounting certificates, or entrusted by local finance Accounting agency with statutory qualifications approved by the bureau;

6. Ability to provide counter-guarantee measures as required;

7. Other conditions stipulated by the bank .

2. What procedures and conditions are required for corporate credit loans?

Conditions for enterprises to apply for credit loans

1. The company must be an enterprise approved and registered by the industrial and commercial administration, with good credit; it has been established for at least one year; The result of a tax grade assessment is A, B, M, C;

2. Aged 18 and above but not more than 65 years old;

3. The company has a fixed business location. An enterprise that has the necessary operating facilities, implements independent accounting, is responsible for its own profits and losses, operates independently, and bears independent civil liability;

4. The company has a sound financial accounting system and must provide the bank with a business operation statement when lending. , provide statistical reports;

5. The company abides by national laws, regulations, and policies, and operates in accordance with the law;

6. The company's industry is an industry that is permitted by national policies and encouraged to develop.

Enterprise credit loan application materials:

1. Personal identity certificate

2. Asset certificate (real estate, cars, stocks, bonds, etc.)

3. Bank statements in the past six months or one year, etc.

4. Enterprise certification materials (business license, organization code certificate, account opening license, tax registration certificate, etc.)

5. Proof of business status (annual reports for the past three years, tax bills for the past six months, financial statements for the past three months, etc.), and other application materials required by the bank.

Chongqing Enterprise Credit Loan (Tax Loan, Bill Loan, Current Loan)

The maximum amount for a single loan application is 5 million, one year, and the annualized interest rate is about 4%, with interest first Later version.

Process various bank loans, second mortgage loans, renovation loans, personal credit loans, corporate credit loans, bridge loans, offset loans and other products.

The company mainly has the following advantages:

1. Multiple banks provide bank loans with monthly interest as low as 3%;

2. Banks High-quality cooperative unit, high credit limit, fast loan;

3. Special product: own funds, same day payment

First offset, second offset, bridge, offset loan limit 30- The low interest rate of RMB 3 million is negotiable, and the period is 1 month to 1 year. The interest comes first and then the principal, and the operation is flexible

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3. The guaranteed loan products of professional guarantee agencies for small businesses are Refers to credit guarantee institutions that meet the prescribed conditions to provide qualified small business customers with credit services at the Agricultural Bank of China...

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