/kloc-0 0 year. Fixed assets loans are loans issued by banks for investment in fixed assets of enterprises. It means that tangible assets with the following characteristics are finished products, and the grace period of such loans can only be shorter than 10 years. /kloc-When the repayment is completed after 0/0 years, the construction project must be put into production within the grace period and the repayment must be made within the specified time.