Seven years.

The project loan period is generally within 5 years, and the longest is not more than 7 years. The loan interest rate for technical transformation shall be implemented according to the interest rate stipulated by the People's Bank of China, and the fixed interest rate shall be implemented according to the length of the loan term.

Term of bank loan

According to the length of the loan period, loans can be divided into short-term loans and medium-and long-term loans.

1. Short-term loan term is 1 year or 1 year (temporary loan from 3 months to 6 months), which is characterized by short term, low risk and high interest rate. They are usually issued in the form of "loans", which are mainly used to meet the needs of borrowers for short-term funds.

2. Medium-term loans are all over 1 year (excluding 1 year) and under five years (including five years), which are characterized by long term, high interest rate, poor liquidity and high risk.

3. Long-term loans of more than 5 years (excluding 5 years).

The loan term and grace period of medium and long-term loans of development banks are determined for specific loan projects.

Loan term: refers to the time period from the first loan issuance date to the last loan principal recovery date of a loan project, and the creditor-debtor relationship ends.

Grace period: refers to the time period between the first loan issuance date and the first loan principal recovery date of the loan project.

Principles for determining the loan term and grace period:

In the process of loan evaluation, the term and grace period of the project loan shall be determined according to the following principles.

(1) It meets the regulatory requirements.

If the regulatory authorities clearly stipulate the loan term, the loan term must comply with the regulatory provisions when the bank and the customer agree.

(B) the upper limit of loan term control

The appraisers should reasonably design the financing structure according to the control index of the upper limit of the loan term, and agree on the source of debt repayment funds with the customers, and shall not arbitrarily break through the upper limit of the loan term.

(3) Calculate the term according to the solvency.

The length of the loan term (including grace period) should be based on the agreed source of repayment funds, predict the annual repayment cash flow, and calculate the loan term and grace period by meeting the prescribed repayment coverage. If the loan term and grace period calculated according to solvency cannot meet the requirements of this manual, the source of repayment funds must be re-agreed or the financing structure must be redesigned.

(4) Take short and don't take long.

If the loan term calculated by solvency is lower than the upper limit of the loan term, the loan term calculated by solvency shall prevail in principle.

Section 2 Classification Control Standards for Loan Term

Principles for determining the grace period:

The grace period is the same as the project construction period in principle, and generally does not exceed the second year after the project is officially put into production. The grace period for loans used by development banks for mergers and acquisitions and debt restructuring shall not exceed 3 years in principle.

Principles for determining the loan term and grace period of foreign exchange loans;

(1) The term of foreign exchange loans for domestic projects shall refer to the standard for controlling the term of RMB loans in the same industry;

(2) The loan period for overseas projects shall not exceed 15 years in principle;

(3) The grace period of foreign exchange loans shall be determined with reference to the relevant provisions on RMB loans.

Exceptions:

With the approval of the loan committee, the project loan period may be appropriately extended.

What is the longest term of the project loan?

Hello, the longest credit loan is 48 months, the longest mortgage loan is 120 months, and the longest housing mortgage loan is 30 years.

The project revolving loan amount shall not exceed the total investment.

20%。

The revolving loan amount of a single project shall not exceed 20% of the total investment and 75% of the investment plan of the current year. As long as the total amount of accumulated loans of enterprises does not exceed the maximum limit, banks must always meet the loan requirements put forward by enterprises.

Revolving loan legally promises to provide enterprises with a loan agreement that does not exceed a certain maximum limit.

The first loan of a national project shall not exceed the total investment.

To answer your question, the initial loan for a national project should not exceed the total investment. The answer is: the upfront loan of national projects will not exceed the total investment. It will not exceed 30% of the total investment. I hope my answer is helpful to you.

This is the deadline for the introduction of project loans, which generally does not exceed the maximum loan amount. I wonder if you have found the information you need?