1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption; 2. The enterprise has a good reputation in various commercial banks and has no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4. It has the necessary organization, management system and business premises, operates legally, has a market for products, has the ability to repay debts effectively, has a good willingness to repay, has no bad credit record, and the credit asset risk is classified as normal or concerned by non-financial factors; 6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record; 7. The enterprise has been operating for more than 2 years (including 2 years), and the gross profit of financial reports for at least one or more fiscal years is positive; 8, in line with the establishment of small business related industry credit policy; 9. Abide by national financial regulations and policies and relevant bank regulations; 10. Open a basic settlement account or a general settlement account with the applicant bank.
2. ABC's 654.38+ ten thousand three-year death interest?
The three-year fixed interest rate of ABC is 2.75%, so the three-year interest of 65438+ million deposits is: 1000002.75%3=8250 yuan.
As the basic calculation method of bank deposit interest and loan interest. The interest calculation formula has played a great role in the daily settlement of banks and the daily life of ordinary people, and it will become more and more important. The interest rate of savings deposits shall be stipulated by the state and promulgated by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal on a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate.
The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth. If the annual interest rate of 9% is written as 9%, that is to say, every thousand yuan deposit will get the regular annual interest rate in 90 yuan, and the monthly interest rate of 6% is written as 6‰, that is, the monthly interest rate of every thousand yuan deposit is written as 6 yuan, and the daily interest rate of 1% 5 cents is written as 0. 15‰, that is, the daily interest rate of every thousand yuan deposit is 1.5 cents.
In order to facilitate interest calculation, three kinds of interest rates can be converted, and the conversion formula is: annual interest rate ÷ 12= monthly interest rate; Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
In addition, we need to know the starting point of the interest calculation formula: 1, and the starting point of interest for savings deposits is yuan, and no interest is paid for points below yuan; 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid; 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
The calculation of deposit period in the interest calculation formula is 1, and the calculation of deposit period adopts the method of counting head instead of tail; 2. Every month is counted as 30 days, regardless of big month, small month, flat month and leap month, and every year is counted as 360 days. 3. The maturity date of all kinds of deposits shall be calculated annually and monthly. If the account opening date is the missing date of the due month, the last day of the due month is the due date. After understanding the calculation method of interest, look at which bank you choose and then look at the interest given by the bank you choose, and you can calculate the corresponding interest.
Three. How much principal will the small and micro enterprises of ABC repay after three years?
The small and micro enterprises of Agricultural Bank of China will repay for three years, with a monthly repayment of 1000 yuan. The total loan amount is 50,000 yuan, assuming the annual interest rate is 4.90%. The loan term is 3 years: the monthly repayment of principal and interest is 1496.3 yuan, the total repayment is 53,866.8 yuan, and the interest payable is 3,866.8 yuan. The interest paid in the first month is 204. 17, and the principal paid in the first month is 1292. 13.
Four, the Agricultural Bank loan, the loan of 25 thousand, paid off in three years, how much do you need to pay back every month?
The benchmark annual interest rate of the five-year loan of ABC is 6.4%, and the loan is 250,000 yuan. The monthly repayment of principal and interest is 4,879.8356 yuan, and the total repayment is 292,790.438+04 yuan.