1. Charge by point, for example, 30W across the bridge. If you charge 5 points, you will need 1.5 million, which is aimed at enterprise/company customers.
2. Charge according to fund days, such as 1002/ day, 10 1.5/ day, and subscribe for 3 cents per month. Its target customers are those customers whose current loans overdue/mortgage is about to expire.
Simply put, crossing the bridge means that the enterprise or individual loan cannot be repaid when it expires, and it is necessary to borrow the funds of a third party to repay the bank loan, and then get out of the bank loan.
At present, the charges of each guarantee company are different, so the specific charging standard depends on what kind of guarantee company your enterprise is looking for. In addition, more formal guarantee companies usually charge one month's interest, no matter how many days you borrow from this enterprise, as long as it is less than one month, the interest is also charged for one month. Generally speaking, bridge financing is a kind of short-term financing with a term of 6 months, and it is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to achieve the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds.
Bridge loan is a transitional ultra-short-term loan. Generally speaking, the main purpose is that some enterprises need to repay bank loans when the loans expire, so as to obtain new loans. However, if the enterprise does not have enough funds to repay the loans previously made in the bank, at this time, the enterprise needs to find a temporary loan from the guarantee company to repay the bank loan first, and then repay the guarantee company after the bank issues new loans. This is bridge loan's way.
A remarkable feature of bridge loan is that the fees are relatively high, including interest, front-end fees and handling fees. If the borrower has no eligible collateral, such as stocks, bonds or insurance policies, it needs to have excellent qualifications. With the help of credit loans, the cost will be higher. It is best to communicate well in advance, so as not to be unbearable.
1, bridge loan is also called Bridge Fund. At present, banks basically do not directly handle bridge crossing business. In fact, most bridge funds are funded through third-party institutions. After crossing the bridge, the borrower applied to the bank to renew the loan and return the funds.
2. Due to the high cost and harsh conditions of non-governmental third-party intermediaries crossing the bridge, many cases and disputes have arisen. Therefore, at present, many local governments set up or designate fixed enterprises as the third-party entities to bridge the bridge in places with more domestic non-performing loans. On the one hand, it is designated by the government, the organization is formal, and there will be no regular loans. On the other hand, the rate is low and the pressure on enterprises is small.
3. Maturity is a short-term loan, specifically, it takes a short time. Generally, the short-term loan is 1 month to 3 months, and the whole process of crossing the bridge may or may not take a month. However, both funds are private equity funds. Maturity date is different from bridge loan.