Enterprises can apply for mortgage loans with their own factories, machinery and equipment. Enterprise legal persons who own local real estate or cars can also be used as mortgage loans. The house can still live after mortgage, and the car can't be sealed up, which will not affect the daily life of the borrower. The biggest advantage of mortgage loan is the high loan amount.

2. Pledged loan

Like mortgage, collateral is necessary. Enterprises can apply for intellectual property mortgage loans, standard warehouse receipts, etc. An enterprise as a legal person may also apply for mortgage loans such as personal treasury bonds, certificates of deposit and bank bills. Mortgage is also a good way to finance your business.

3. Credit loan

Refers to unsecured and unsecured loans issued by banks to enterprise legal persons. In order to meet the loan demand of private entrepreneurs, various financial institutions have launched enterprise credit loans products. Compared with other loan methods, corporate credit procedures are simpler and lending speed is faster.

How does the company choose the appropriate loan term?

When choosing the loan term, enterprise loans should consider several aspects: enterprise management ability, interest bearing ability, investment ability and so on.

1, with its own economic capacity

When applying for corporate loans, we should consider whether we can bear the corresponding monthly payment, and banks should also evaluate the borrower's repayment ability and guard against their own risks.

When the monthly payment accounts for about 30% of the borrower's monthly income, it will not have much impact on the borrower's life; The bank requires the borrower to provide proof of income when lending, and the monthly income must cover twice the monthly repayment and other liabilities. This means that the borrower's monthly payment cannot exceed 50% of the borrower's monthly income.

2. Interest bearing capacity

In the case of the same loan method, amount and interest rate, the longer the loan term, the more total interest needs to be paid.

How to effectively reduce the interest rate of corporate loans?

At present, the corporate loan interest rates of major banks are implemented on the basis of the central bank's benchmark interest rate, which usually rises between 10%-50%. Generally speaking, the bank loan interest rate with high loan threshold is lower. If the bank's loan threshold is low, the loan interest rate may be higher. For example, the loan interest rates of the four major domestic banks are definitely lower than those of other banks, but the approval is more stringent. Therefore, if the loan conditions are the same, it is recommended to apply for a loan from a big bank. If the loan qualification is not good, you can apply for a bank loan through a powerful guarantee company. If it is a local company in Shenzhen, it is recommended to choose a formal financing loan platform in Shenzhen. Low interest rate, quick approval!

The qualifications of enterprises and legal persons have a great influence on the loan interest rate. If you want to apply for a low-interest loan, you must pay attention to the following methods:

1, maintain personal credit

When a company applies for a loan from a bank, the bank will strictly examine the borrower's credit record. If the borrower's credit status is good, there is no overdue behavior, there is a credit card or loan record, and the loan is repaid in full and on time, the bank will judge that the borrower's repayment habit is good, and the loan interest rate will naturally not be higher than others.

2. Improve individual repayment ability and reduce debt ratio.

If the borrower has strong repayment ability, the bank will appropriately reduce the loan interest rate, because the bank of a high-income borrower does not need to worry too much about his repayment ability, and the loan risk is low. In addition, the borrower's debt is the main item of bank evaluation. If the borrower's debt ratio is high, it shows that its repayment ability is limited. Therefore, before applying for a loan from Shenzhen Bank, we should appropriately reduce the debt.

3. Get high-quality housing loans.

Compared with credit loans, the interest rate of real estate mortgage loans in corporate loans is relatively low. Because mortgage loans are secured by real estate and bank loans are safer, G is willing to attract borrowers at lower interest rates. If the quality of the property mortgaged by the borrower is good, the loan interest rate will be lower than others.