The company can borrow 400,000 yuan. As long as you have good credit and valuable assets, such as houses and cars, you can get higher loans.
What are the main differences between personal loans and corporate loans in commercial bank loans?
1, different loan entities. The subject of personal loan is a natural person, and the loan bears unlimited liability; The main body of corporate loans is corporate enterprises, which bear limited liability and unlimited liability for loans.
2. Loans have different uses. Personal loans can be used for business or personal consumption; Moreover, loans can only be used for the construction of fixed assets or to supplement working capital.
3. The longest loan period is different. The mortgage period of personal loans can be 30 years or even longer, while the longest in the actual operation of corporate loans is only 15 years.
4. Bank approval paths are different. Personal loan approval path is relatively short, and the approval procedure is simple; However, the enterprise loan approval path is long and the approval procedure is complicated.
Whether it is a personal loan or a business loan, it is difficult to get a loan without a mortgage. This point is not easy to control. Banks can accept certificates of deposit, accounts receivable, checks, drafts, warehouse receipts and other pledges.
Ways for individuals to apply for loans
The first type: Generally speaking, there are two types of personal loans. If the borrower doesn't have a formal job and wants to apply for a loan, he needs to borrow in the name of relatives and friends, because he can't apply for a loan because he has no working ability. Of course, if the borrower owns a house or a car, he can apply for a mortgage loan.
Second, if the borrower has a stable working income, he can apply for an unsecured loan, which is the borrower's credit loan. If he wants to apply for a loan successfully, he needs the borrower's personal credit record to be spotless and have a stable income.
Ways for enterprises to apply for loans
Enterprises want to apply for loans in different ways from personal loans, so we should write down the basic situation of enterprises, and the content must be detailed. Among them, to focus on the preparation of enterprise income and fixed assets investment projects, it is also necessary to prepare basic information of enterprise legal persons.
It is a very troublesome thing for enterprises to apply for loans. When applying for a loan, you should also explain the amount and purpose of the loan. Generally, the loan amount of enterprises is huge, so it is necessary to prepare real information for the loan company. Only in this way can we successfully apply for loans.
The above is Bian Xiao's explanation of "the difference between personal loans and corporate loans". Here Bian Xiao tells you that there is a problem between corporate loans and personal loans that may be easily misunderstood by everyone, that is, corporate loans, and people often misunderstand corporate loans and corporate loans. Corporate loan means that this person is the representative of the corporate bill holder and can exercise the loan authority of the legal representative. Company loans are in the name of the company with the consent of the legal representative, and personal loans are in the form of assets in their own names.
Legal basis:
Article 11 of the General Principles of Loans in People's Republic of China (PRC), the loan term: The loan term shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.
Which platform is good for personal loans?
Top ten loan platforms, which are the best loan platforms:
1. Alipay-Ant Borrow
Ant Borrowing is a loan product of Alibaba, which is used for personal consumption. Borrowing money on bail pending trial can be repaid with the loan, and there is no penalty for prepayment. It's easy to use, and the loan is quick. One second to Alipay, the daily interest rate is between 1.5-6.5. The initial interest rate is high, so it is used much, the repayment is timely, there is no overdue record, and the interest rate will gradually decrease. As long as the sesame score is above 600, Alipay uses more.
2. WeChat-Microfinance
Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, and interest will be calculated on a daily basis. You can also use the average capital repayment method to repay from the bank card every month.
3, Baidu-money to spend
Money is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). You can apply online without mortgage, complete the approval in 30 seconds at the earliest, and lend money in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.
4. Suning-willful loan
The interest-free period for willful new users is not short. The longest interest-free period is 30 days, and the lowest daily interest rate is 0.02%. You can repay the loan in advance, up to 300 thousand. Online application will be automatically approved by the system, and it will take up to 3 minutes to arrive. There is no charge for the unused quantity.
The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!
What's the difference between corporate loans and personal loans?
First, the subject is different.
The borrower of personal loan is a natural person, and its concept refers to the principal and loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. The main body of enterprise loans is enterprises registered according to law, and its concept refers to enterprises applying for loans from banks or other financial institutions at prescribed interest rates and deadlines for production and operation needs.
Second, the use is different.
Personal loan application can be used for consumption, house purchase, car purchase, decoration, tourism and so on. The purpose of enterprises applying for loans is very clear and single, mostly for business operation or personal consumption of non-business operators.
Third, the types are different.
Personal loans can be divided into personal housing loans, personal micro-credit loans and personal non-residential mortgage loans according to different purposes and loan methods. Because the purpose of enterprise loans is clear, its classification is mainly based on the different loan methods. There are working capital loans, fixed assets loans, credit loans, secured loans, and so on.
Fourth, the conditions are different.
The requirements for individuals to apply for loans are mostly simple, and they need to provide collateral or personal credit, assets, loan purposes, income sources, etc. Compared with personal loans, commercial loans need more information and stricter conditions. In addition to the business status and credit of the enterprise, it also needs to look at other comprehensive factors such as the industry and industry policy in which the enterprise is located. Moreover, the enterprise loan procedures are complicated and the approval time is long.
Extended data:
What's the difference between banks and loan companies in handling corporate loans?
I. Credit requirements
Credit is the most basic requirement. Both banks and loan companies need borrowers to meet certain conditions before they can apply, otherwise they will directly refuse. The difference is that banks are relatively strict and usually have higher requirements for borrowers in credit evaluation. The loan company can provide different kinds of loans according to the borrowers whose credit meets the requirements, that is, the requirements are relatively low. So people with poor credit are more willing to choose loan companies.
Second, the requirements for income.
Income directly determines whether the borrower has the ability to pay off the loan, which can usually be proved by the operation of wages. Banks are very strict in this respect and need special proof materials to be effective. For those who don't get paid, it's basically impossible to apply. The loan company can decide whether to approve the loan application according to the financial certificate that the borrower can provide. As long as you can prove your repayment ability, you may apply for a loan.
Third, the speed of loan issuance is different.
Because of the complexity of the procedures, the speed of lending is also very different. Because the procedures for bank loans are very complicated, banks have higher requirements for borrowers, and the review time is long, and the lending speed will be very slow. As long as the loan company meets the requirements, the problem is not big, and the loan can be obtained in a few days.
What do local loan companies need for personal loans?
Coordinate Guiyang and Guiyang Honeycomb Loan Answer: What do local loan companies need for personal loans? Personal consumption loans and personal production and operation loans.
1. To apply for personal consumption loan, you need to prepare the following materials.
(1) Copy of the borrower's ID card and household registration book (identity certificate for verification and filing);
(2) A copy of the borrower's marriage certificate (family background investigation);
(3) the borrower's income certificate (the bank's reference to the lender's repayment ability);
(4) Proof of the borrower's work, education and professional title (the bank's reference to the lender's repayment ability);
(5) Proof that the borrower has opened a personal settlement account in the credit union (establishing convenient withdrawal repayment channels);
(6) The borrower's personal credit report (usually, the bank will have a special person to review the applicant's historical credit record).
2, personal production and operation loans to provide information
(1) business license, business license and other production and operation related materials;
(2) A copy of the identity certificate of the same operator;
(3) Business tax payment certificate.
3, personal car loans and student loans according to the "personal loan application materials list" to provide information.
In addition, different regions and banks will have different requirements for loan conditions. The above conditions are for reference only, and the specific requirements are subject to the requirements of the lending bank.
The introduction of personal loans by loan companies ends here.