What is the interest rate for small and medium-sized enterprises to borrow money from banks?

Generally, the annual interest of enterprises is 1-3%, depending on the application situation:

You can only do it without collateral. If you are an individual, you can only determine your loan amount according to your income when you go to work.

Generally, it is 1,-5,, depending on your income.

There is another one, that is, the maximum number of enterprises is 1,, and it is 2 million.

Of course, there are other products of enterprises, such as corporate credit, which will be higher.

The interest rate of bank loans in March 213 is as follows

Loans within six months (including six months) 5.35

Loans from six months to one year (including one year) 5.35

One to three.

The interest rate of enterprise financing loan is related to the purpose, nature, term, policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. "The benchmark interest rate of bank loans is about 6%, and the loan interest rate of enterprises is generally 3% to 5% higher than the benchmark interest rate. If you count the additional requirements derived from deposits, such as deposit pledge and banking invoicing, the comprehensive interest rate is generally around 1%.

what is the interest rate for SMEs to borrow from banks?

according to the regulations of the people's bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different. Generally, the mortgage interest of small and medium-sized enterprises will rise by 1% to 3% from the national benchmark interest. Conditions of the loan: 1. The enterprise must be approved by the state administration for industry and commerce to be established, registered and hold a business license. 2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Calculate profit and loss independently and sign purchase and sale contracts independently. 3. Have a certain amount of self-owned funds. If an enterprise does not have a certain amount of its own funds, once losses occur, it will inevitably endanger bank loans and make credit funds suffer losses. 4. Abide by the policies and regulations and the bank credit and settlement management system, and open basic deposit account and general deposit accounts in banks as required. 5. Production and operation are profitable. The products produced and operated by enterprises must be marketable short-term products, which can bring benefits to society and enterprises and improve the utilization rate of credit funds. 6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.

If there is demand, we recommend you to use Money Flower. Money Flower is a credit service brand under Du Xiaoman Finance (formerly known as Baidu Money Flower, renamed as "Money Flower" in June 218), and the big brands are trustworthy with low interest rates. Money spent-full easy loan, the maximum loan amount is 2,, and the daily interest rate is as low as .2%.

I have known many small loan companies. Generally speaking, Baidu money spent is the platform with the highest pass rate. The credit line is the highest. I gave me a credit line of 9.5W without anything, and my colleague directly granted a credit line of 18W.

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Special note: withdraw the cash in full as soon as possible after the amount is set, because the risk control is dynamic.

it's best to put forward all the suggestions for demand, and the risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 6% is safer. Support early settlement of repayment after the first installment.

if the amount of money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!

36 IOUs can borrow up to 2, yuan!

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You can borrow up to 5, installment music!

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