1. What is the interest rate for corporate credit loans? 1. Generally speaking, the latest loan base interest rate is as follows: within 6 months (including 6 months) is 5.85%, from 6 months to 1 year (including 1 year) is 6.31%, from 1 year to 3 years (inclusive) 3 years) is 6.4%, 3 to 5 years (including 5 years) is 6.65%, and more than 5 years is 6.8%. It should be noted that the base interest rate is determined according to the regulations of the central bank, and the loan interest rates of various banks are based on this and fluctuate up and down. However, if you want to apply for a business loan, in addition to the previous requirements, you also need to know the loan principal, loan term, repayment method, and loan interest rate, so that you can calculate it. 2. Enterprise credit loan repayment method: The first is the equal monthly principal repayment method. The second method is equal monthly principal and interest repayment method. The third type is single weekly payment/biweekly payment/monthly payment/quarterly payment/semi-annual payment repayment method. The fourth method is to repay the principal in installments and pay interest in installments. The fifth method is to repay the principal once and pay interest in installments. The sixth type is the repayment method with a grace period of up to one year without principal repayment. So there are actually quite a lot of repayment methods. The specific repayment method to choose can be judged according to your specific situation. 2. How much is the maximum amount of corporate credit loan? Corporate credit loan limit: The company's credit loan can lend up to 3 million, provided that the annual turnover of your company account and personal account needs to reach 8 million. The company has been operating for more than two years and has a good credit record. The loan term is two years, and the monthly interest is repaid when the principal is due. The loan time is relatively fast, usually within 20 days, and your property is not required as collateral. The company's complete set of procedures for providing information is basically required. The corporate credit loan limit needs to be rated by the bank, usually around 100,000 yuan, with a maximum of 300,000 yuan, and the quotas of each bank are also different. For example, the maximum limit of a single corporate loan of Postal Savings Bank for a single account does not exceed RMB 5 million. (inclusive). Factors that determine the amount of corporate credit loans 1. The cash flow of the enterprise The more cash flow, the more cash the enterprise has at its disposal. Correspondingly, the higher the amount of corporate credit loans that can be applied for. 2. Corporate credit Corporate credit is sometimes even greater than the value of the collateral. The cooperation history between the company and its partners, salary payment, etc. comprehensively reflect the corporate credit situation. 3. The value of the enterprise is the cash flow of the enterprise. The faster the cash flow, the higher the enterprise credit loan limit that can be obtained. 4. Free funds of enterprises Free funds are the cash flow that enterprises can use at will. The more free funds, the higher the amount of corporate credit loans. 5. Integrity of enterprises Many banks now attach great importance to this. Sometimes, integrity is more important than collateral. The integrity of a company is reflected in its credit with partners, salary payment, etc. If the company's credit status is good, the credit loan limit will naturally be increased.