The types of corporate loans are as follows:
1. According to loan business attributes: self-operated loans, entrusted loans and special loans.
2. According to the service life of loans: short-term loans, medium-and long-term loans and long-term loans.
3. According to the economic nature of the loan subject: loans from state-owned and state-holding enterprises, loans from collective enterprises, loans from private enterprises and loans from individual industrial and commercial households.
4. According to the credit rating of loans: credit loans, secured loans, mortgage loans and mortgage loans.
5. According to the professional forms of social reproduction loans, it can be divided into working capital loans and fixed capital loans.
6. According to the quality of loans: normal loans, non-performing loans, non-performing loans and overdue loans.
7. Classification of loan quality (degree of risk) According to international practice, bank loans are divided into five levels: normal, concerned, secondary, suspicious and loss. The latter three types of loans are called "non-performing loans" or "problem loans".
2. What are the types of corporate loans?
At present, enterprise loans can be divided into: enterprise time deposit certificates, fixed assets loans, syndicated loans, foreign exchange of commercial acceptance bills, bank acceptance bills, credit loans, working capital loans, discount of bank acceptance bills, buyer's loans, domestic recourse factoring and export tax refund accounts.
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The mortgage interest rate is the lowest.
3. What types of loans can enterprises apply for? Mainly these!
If an enterprise wants to operate and expand normally, it must have enough liquidity, otherwise it will be difficult to maintain normal operation. Loans from banks are a common way to raise funds. What types of loans can enterprises apply for? Mainly related to the enterprise's own situation, the following are more common types of loans to meet the needs of most enterprises. You can learn more about them.
1. Joint-guarantee loan is a common enterprise loan now, that is, some small enterprises with loan needs unite to guarantee each other and apply for loans from banks in a unified way. Once one of the members is overdue, other enterprises will bear joint and several liability. Many small households in rural areas adopt this method, and there is no need to provide additional mortgage guarantee or turn to loan companies for help. The cost is relatively low and the next payment is fast, but the risk is relatively high. It is best to know the root cause. 2. Credit loan, such as Wechat business loan from Weizhong Bank, is a kind of enterprise credit loans that can be applied online. These loan products are characterized by low threshold, fast payment, convenient handling and direct online application, which can quickly solve the capital problem of enterprises. Enterprise credit loans does not need mortgage guarantee, mainly depending on the information and credit report of the legal representative. In addition, the business, income and credit reports of enterprises are also the key contents of bank audit. 3. Mortgage loan as long as there are eligible collateral under the name of the enterprise, such as houses, shops and fixed assets. You can get a large loan in the form of mortgage loan, which is generally 80% of the asset value. The loan pass rate is relatively high and the amount is relatively high.
Four. Loan type
Housing loans are divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.
What repayment method to choose depends on the individual's repayment ability. Don't choose the principal repayment method just because the total interest paid is small. In practice, many people still choose the repayment method of equal principal and interest. (For details, please visit hefei net www.055 1dk.com).