1. What is a network joint guarantee loan?
Network joint guarantee loan is a loan product that does not need any mortgage. Three or more enterprises form a consortium to apply for loans from banks, and at the same time realize risk sharing among enterprises. When any enterprise in the consortium cannot repay the loan, other enterprises in the consortium need to repay all the loan principal and interest for him.
For example, if Party A, Party B and Party C in the consortium each get a loan of 500,000 yuan, everyone will bear the loan responsibility of 6,543,800 yuan+0.5 million yuan. If Party A fails to repay the loan of 500,000 yuan at maturity, the legal representatives of enterprises B and C shall repay the loan of 500,000 yuan and interest. ..
Interest rate: According to the actual loan situation, the annual interest rate is mostly around 8 ~ 12% (according to the regulations of the People's Bank of China, the current benchmark interest rate for one-year loans is 7.47%). The specific interest rate varies according to the qualifications of enterprises, and the possibility of higher interest rates of individual enterprises is not ruled out.
Interest shall be calculated on a daily basis, and interest shall be paid for as many days as possible;
Amount: At present, the maximum loan amount for each enterprise is 2 million yuan;
Loan term: 1 year.
Conditions for applying for network joint guarantee loan
(1) industrial and commercial registration is located in Hangzhou, Jiaxing, Huzhou, Shaoxing, Taizhou, Wenzhou, Jinhua, Lishui, Quzhou, Zhoushan and the counties and cities under its jurisdiction;
(2) Enterprises with industrial and commercial registration period of 18 months or legal representative (or actual manager) engaged in the current industry for more than 5 years (including 5 years) can apply.
(3) Operating non-loss-making enterprises in the previous year;
(4) At present, the branches of China Construction Bank have no loan balance (if they have borrowed from China Construction Bank, they have been paid off, and they are deemed to have no loan balance). If there are still loans in use or not paid off in CCB, they must be settled before they can apply for network joint guarantee loans;
(5) A consortium can be formed, and there should be at least 3 enterprises in the consortium (a consortium can be formed after being registered separately). Among them, the joint venture is a non-affiliated enterprise, that is, there is no equity relationship between the two, nor is it a direct relative of three generations and a collateral relative of two generations. In addition, according to the requirements of CCB, the joint venture company must be in the same county-level city.
Special reminder:
(1) Non-Alibaba members, ordinary members, members of TrustPass and China suppliers can come to register, but enterprises that have obtained loans must have membership of TrustPass or China suppliers before they can obtain loans from banks.
(2) If the company belongs to a branch or subsidiary, it cannot apply for it temporarily.
Can individual industrial and commercial households apply for loans
As long as you have an organization code certificate, you can apply. The organization code certificate is the unique and unchangeable legal code mark issued by the national quality and technical supervision department to all organs, enterprises, institutions and social organizations (including legal representatives and branches of legal representatives). It is the organization's "identity card", referred to as code certificate.