Under normal circumstances, if the lender encounters temporary difficulties during the loan period, resulting in the inability to repay the loan principal on schedule, and meets the requirements for extension, it will apply to the loan bank for extension 30 working days in advance. The loan extension shall not be lower than the original loan conditions: the short-term loan extension shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years.
Second, the new policy of bank loan renewal?
The loan extension period shall not be lower than the original loan conditions.
The extension of short-term loans shall not exceed the original loan term;
The extension of medium-term loans shall not exceed half of the original loan term;
The longest extension of long-term loans shall not exceed 3 years.
If the customer fails to apply for extension or the extension application is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.
For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.
3. What are the procedures for bank loan renewal?
You need to meet certain conditions to continue.
Original legal identity certificate of the borrower (household registration book, resident identity card or other valid residence certificate, marriage certificate, etc.). )
Original and photocopy of business license
Proof of the borrower's family property and economic income (including personal income certificate or tax payment certificate, bank deposit certificate, real estate license, securities, etc.). );
Information that can prove the reasonable use of the loan, such as clear production and operation plans and tax payment.
List of collateral (pledge), certificate of ownership and certificate of consent of the person who has the right to dispose of the collateral (pledge), collateral assessment report and assessment agreement issued by the assessment agency, and collateral insurance policy;
Other information required by the bank.
Compared with the original loan, the renewal loan mainly has the following characteristics: first, the object of renewal loan is old customers; Second, the loan information is basically the same, that is, the basic situation and reputation of the loan customer, the basic situation of the project, the purpose of the loan and the guarantee have not changed much; The third is
Renewing the loan means that bank finance has a bank loan, and now it continues to borrow another sum of money with its own reputation and corresponding guarantee. The extension of working capital loan is the behavior of continuing to issue working capital loan to customers.
Working capital loan is a loan issued by the bank to meet the capital demand of customers in production and ensure the normal production and business activities.
Working capital loans can be divided into: temporary working capital loans with a term of less than 3 months (inclusive), which are mainly used for the temporary capital needs of enterprises to purchase goods at one time and to make up for the shortage of other payment funds;
Month to 1 year (excluding 3 months, including 1 year), mainly used to transfer funds; Medium-term working capital loans, with a term of 65,438+0 to 3 years (excluding 65,438+0 years, including 3 years), are mainly used for the needs of enterprises to frequently occupy funds in normal production and operation.
Update Baidu Encyclopedia
Four. Summary of Wuxi Bank Loan Extension Policy Affected by the Epidemic in 2022 (small and micro enterprises and individual industrial and commercial households)
Summary of Wuxi Bank Loan Extension Policy Affected by Epidemic in 2022
In order to further help market players solve problems, Wuxi Banking Insurance Supervision Branch has sorted out and compiled the extended loan policy for small and micro enterprises and individual industrial and commercial households in its jurisdiction in view of the current repayment difficulties of small and micro enterprises and individual industrial and commercial households affected by the epidemic.
Note: Please consult the major banks for details.
? Industrial and Commercial Bank of China Wuxi Branch
Loans to inclusive small and micro enterprises should be expanded. According to the enterprise's application for deferred repayment of principal and interest, combined with the situation affected by the epidemic and the current operating conditions of the enterprise, under the effective guarantee arrangement, the enterprise is given a certain period of deferred repayment of principal and interest within the longest extension period, without penalty interest. For loans with deferred repayment of principal and interest, the loan risk classification will not be reduced due to epidemic factors, and the credit history of enterprises will not be affected.
Contact: Zheng Tong 05 10-82227057
? Agricultural Bank of China Wuxi Branch
High-quality small and micro enterprises that meet the conditions for issuing new loans do not need to repay the principal on the loan maturity date, but settle the original due loans by issuing new loans and continue to use the bank's loan funds. The loan business of individual industrial and commercial households can be solved by means of loan grace period, term adjustment, extension or renewal of loans for one year.
Contact: Zhou Yuqiang 05 10-80928042
? Bank of China Wuxi branch
Enterprises with good production and operation, sustainable operation in the future, and still need financing after the original working capital loan expires, provide "non-repayment"-"BOC Relay Bao Tong" financing services. Upon approval, the enterprise is allowed to settle the original loan through the newly issued loan when the loan expires, and continue to use the loan funds of the bank.
Consult all branches of BOC in detail.
? China Construction Bank Wuxi Branch
Provide extended loan renewal support for Pratt & Whitney small and micro enterprises and individual industrial and commercial households with temporary repayment difficulties affected by the epidemic, which can be extended for up to 3 months. Eligible credit loans can be automatically extended online through the "CCB Know You" APP. Enterprises whose loans are due and need to continue to operate may apply for not repaying the loans.
Contact: Shen Jizhou 05 10-82609337
? Bank of Communications Wuxi Branch
Small and micro enterprises and individual industrial and commercial households with normal operation but difficulties in repayment due to the epidemic can complete the application for deferred repayment of principal and interest through online banking or mobile banking; Comprehensive use of non-repayment and annual review functions, combined with business grace period, extension, adjustment of repayment plan and other system functions, to support customers to flexibly cope with the temporary repayment difficulties caused by the epidemic and help them tide over the difficulties.
Contact: Rui 05 10-827 13076
? Postal savings bank Wuxi branch
For individual industrial and commercial households and small and medium-sized micro-business owners who are difficult to be affected by the epidemic, loans will continue to be repaid.
Contact: Manager Hou 05 10-82705640
? China citic bank Wuxi branch
For individual industrial and commercial households and small and medium-sized micro-enterprise owners who are hard to be affected by the epidemic, they can provide services such as non-repayment of loans and refinancing of emergency funds to meet the relevant credit requirements of banks.
Contact person: Yang Guangyu17706173196.
? China everbright bank Wuxi branch
Small and micro enterprises and individual industrial and commercial households that still need financing after the loan issued by the bank expires can continue to use the loan funds without returning the principal after taking the initiative to apply and being approved. Specific ways include setting grace period, borrowing new and returning old, returning old and borrowing new, and adjusting repayment methods.
Contact person:
Legal person: Tao Xin 0510-81802871;
Retail: Shi 05 10-8 1802623
? Huaxia bank Wuxi branch
Small and micro enterprises and individual industrial and commercial households are unable to repay the principal and interest on schedule, and can handle the extension business for them without repaying the principal and interest of the loan after their active application. The credit subject meets the following conditions: good repayment ability and willingness, good credit status, and the original loan category is five categories of normal or concern.
Contact: Yan Yun 05 10-85603952
? China guangfa bank Wuxi branch
"Tax Bank Link" 2.0 provides loan renewal support for small and micro enterprises affected by the epidemic for as long as 18 months, and also supports small and micro enterprises to submit loan renewal applications online and complete approval and lending; For individual industrial and commercial households that have temporarily lost their sources of income due to the epidemic, they should flexibly adjust their repayment arrangements and reasonably postpone the repayment period.
Contact person: Lv Zheng 0510-81809676; Week 05 10-82757 15.
? China merchants bank Wuxi branch
According to the actual operating conditions of small and micro-loan customers (including individual industrial and commercial households) and the degree affected by the epidemic, timely provide customers with corresponding repayment guarantee measures, such as changing the date of deduction, changing the repayment method, renewing loans in stock, handling relevant credit information, etc., to help small and micro-loan customers tide over the epidemic.
Contact person: Zhang Lei0510-82750116.
? Shanghai Pudong Development Bank Wuxi Branch
According to the application of small and micro enterprises and individual industrial and commercial households to postpone repayment of principal and interest, combined with the situation affected by the epidemic and the current operating situation, under the effective guarantee arrangement, eligible loans will be repaid in installments by means of loan extension and non-repayment, effectively alleviating the financial pressure of enterprises, especially small and medium-sized enterprises and individual industrial and commercial households.
Contact: Jin 82796273.
? Shanghai Pudong development bank jiangyin branch
According to the application of small and micro enterprises and individual industrial and commercial households to postpone repayment of principal and interest, combined with the situation affected by the epidemic and the current operating situation, under the effective guarantee arrangement, eligible loans will be repaid in installments by means of loan extension and non-repayment, effectively alleviating the financial pressure of enterprises, especially small and medium-sized enterprises and individual industrial and commercial households.
Contact: Xue Yuyang 05 10-86872392.
? Industrial Bank Wuxi Branch
Promote "connecting loans" to provide non-repayable loan renewal business for small and micro enterprises affected by the epidemic, and simplify the approval and handling process; For small and micro business owners and individual industrial and commercial households with development prospects but temporarily trapped, if customers apply for extending the loan term, they can extend it for no more than 6 months on the basis of the original loan term; Customers who meet the access conditions of continuous loan products (including those who have been given a special grace period and are still within the grace period) can extend the repayment period through continuous loan products.
Contact: Qi Jin: JOE; Retail: Zhang Qingxian 05 10-827 13666.
? Minsheng bank Wuxi branch
The emergency plan for deferred repayment of loans for small and micro enterprises in epidemic control areas was issued, and the functions of mobile banking and online banking such as "online rolling deposit" and "online withdrawal" (customers upload payment contracts and other information by themselves) were promoted, and single withdrawal and continuous withdrawal were made online. Reduce the repayment pressure of customers through preferential policies and adjustment of repayment plans.
Contact: JOE 0510-81185198.
? China Zheshang Bank Wuxi Branch
Customers of small enterprises (including individual industrial and commercial households) affected by the epidemic can adjust loan elements such as extending loan term, adjusting interest payment cycle, inserting grace period and changing repayment plan according to their applications; For customers whose principal is overdue, they can borrow the new and return the old; Part of the stock arrears can be incorporated into the principal through temporary loans; Give priority to handling credit information objections and complaints caused by epidemic prevention and control.
Contact person: Zhang Li 0510-81801610.
? Hengfeng bank Wuxi branch
If the principal of the whole loan is due, it can be handled by means of term adjustment, extension, non-repayment of principal and extension of grace period. When handling, the interest generated will be paid through consultation with the customer. If repayment is made by installments, the repayment plan can be adjusted, and the maximum repayment period for a single payment is not more than 3 months in principle; For those who can't go through the formalities in time due to the epidemic, they can apply for credit information adjustment through credit objection after the customer pays the arrears, and it will not be treated as a breach of contract.
Contact person: Zhu Lin 0510-81086212.
? China Bohai Bank Wuxi Branch
For small and micro enterprises and individual industrial and commercial households that are seriously affected by the epidemic, have the willingness to repay, and have temporary operational difficulties, the repayment of principal and interest can be postponed by means of loan extension or extension, and the grace period in principle does not exceed 3 months; For loans with deferred repayment of principal and interest, the loan risk classification will not be reduced; Due to the epidemic situation, it is impossible to sign the relevant documents of deferred repayment of principal and interest in person. You can sign the documents in person through video, and then go through the formalities of face-to-face signing.
Contact person: Xu Feng 05 10-8576987 1.
? Bank of Jiangsu Wuxi branch
Meet the due loan demand of qualified customers by means of non-repayment, extension and extension; For customers who really can't carry out face-to-face verification due to the epidemic situation, special methods such as remote video face-to-face verification and data mailing will be adopted according to the specific situation; Implement credit protection for customers affected by the epidemic. For businesses that are indeed overdue due to the epidemic, the risk classification of customer loans will not be reduced, and no penalty will be imposed, which will not be reported as overdue information.
Contact person: Jiang 05 10-82326755.
? Bank of Nanjing Wuxi branch
For enterprises temporarily trapped in the epidemic but with good development prospects, we should flexibly adjust the credit scheme, such as extending the credit period, increasing the credit line and increasing credit loans. And increase credit support; For enterprises that are greatly affected by the epidemic, take differentiated measures such as extending the repayment period, adjusting the way of repaying principal and interest, and extending the period to help enterprises smoothly turn over loans, and resolutely put an end to the phenomenon of withdrawing loans, stopping loans, and suppressing loans; For qualified customers, the loan will not be repaid.
Contact person: Yu _ Yao 05 10-82707895.
? Bank of Ningbo Wuxi branch
Customers who are affected by the epidemic and whose recent repayment situation is unknown can postpone the loan if they want. Enterprises and their actual operators can handle the re-lending business before the mortgage business and micro-loan business expire, so as to realize the loan renewal without repayment.
Contact: Huo Dongxue 05 10-82607523.
? Bank of Beijing Wuxi branch
For small and micro enterprises and individual industrial and commercial households that meet the conditions of loan renewal, we will provide financing support for refinancing within three days, so that the loan can be postponed as much as possible, and the loan interest rate is reasonable and favorable, reducing the financing cost of enterprises. High-quality small and micro enterprises, small and micro business owners and individual industrial and commercial households affected by the epidemic can apply for not repaying loans according to corresponding policies.
Contact person: Wang Jian 0510-81kloc-0/85559.
? Yangtze bank Wuxi branch
Due to the need of epidemic control, credit customers can't return, gather at home or isolate, and really can't go through the loan renewal formalities in person. With the boarding code, the notice of suspension of business isolation issued by the village Committee (neighborhood Committee) and other supporting materials, you can apply for an extension of repayment of the principal, and the maximum extension period is no more than 6 months.
Contact person: Zhu Hongjun 0510-68071016.
? Wuxi Xishang Bank
Provide extension function for short-term loans of small and micro enterprises and individual industrial and commercial households that temporarily repay loans affected by the epidemic. Customers who need to extend the loan can submit an application for extension to the corresponding account manager by mail, including extension instructions and business conditions; After the approval, the account manager will sign a supplementary agreement with the customer and guarantor, and the agreement materials will be postponed after the approval.
Contact person: Pan Hongyu 05 10-668635 12.
? Wuxi Nong store
In view of the small and micro enterprise loans that still have financing needs after the loan expires during the epidemic period, but have pressure to repay, we will use the emergency funds that do not repay the loans to renew the loans for customers to avoid the break of the capital chain.
Contact person: Song Yang 05 10-8283080 1.
? Jiangyin Nong store
For high-quality small and micro enterprises and individual industrial and commercial households with stocks, if the production and operation are normal and it is really impossible to go through the loan procedures due to the epidemic, they can provide exemption and extension services; For small and micro enterprises and individual industrial and commercial households that are affected by the epidemic and have development prospects but temporarily encounter difficulties, credit protection measures are provided according to specific conditions.
Contact person: Fei Xing18901531518.
? Yixing Nong store
For customers who are greatly affected by the epidemic and have temporary repayment difficulties, banks can provide measures such as renewing loans, extending loans, borrowing new loans and returning old ones, and adjusting interest settlement methods to alleviate customer pressure; At the same time, in order to alleviate the financial pressure of customers, the bank promised to complete the loan renewal within 3 working days without special circumstances.
Contact: Zhu Jingchao 05 10-87924897.
? Changshu rural commercial bank Wuxi branch
If the loan has not yet expired, the repayment method is user-defined principal or equal monthly payment, which is in line with the current non-overdue status. You can postpone the repayment of the principal by changing the repayment plan, and turn around when the repayment is due. If the loan has expired, it is impossible to delay the repayment by changing the repayment plan, and to cover the original loan by issuing new loans by borrowing new ones and returning old ones.
Contact person: Huang 17706233904.
? Zhangjiagang rural commercial bank Wuxi branch
For small and micro enterprises or business owners affected by the epidemic, if they are unable to repay the principal or interest on schedule due to the epidemic, they can be extended for up to 3 months upon approval to ease the financial pressure on enterprises or individuals; For the units or individuals affected by the epidemic, when the loan expires, the units or individuals affected by the epidemic can renew the loan without returning the principal after approval.
Contact person: Yu18051595717.
? Yixing yangxian county rural bank
Provide financing support for loans to normal small and micro enterprises and individual industrial and commercial households that meet the conditions of loan renewal, and lend within three working days, and the loan interest rate will be given reasonable concessions; For small and micro enterprises and individual industrial and commercial households that do have the willingness to repay and the ability to absorb employment, after the application of the enterprise, combined with the situation of the enterprise, the due principal can be extended for a certain period by means of loan extension and government fund loans; For the interest payable, the interest shall be deferred for a certain period, which shall not be included in the overdue loan, the risk classification shall not be adjusted, and the overdue information shall not be submitted for credit investigation.
Contact: Zhao Zhiwei 05 10-87332969.
? Huishan mintai rural bank
At present, the extension policy is implemented for small and micro enterprises and individual industrial and commercial households, allowing related customers affected by the epidemic to apply for deferred repayment of principal and interest, and allowing customers without funds not to repay, thus reducing the repayment pressure of customers.
Contact: Zhou Yang 05 10-83580207.