Ganzhou is the south gate of Jiangxi Province. As an important national industrial base and advanced manufacturing base, Ganzhou has a good economic development potential. Many enterprises set up factories here to start businesses and are in urgent need of loans. However, enterprise loans should not be blind, and it is necessary to know what types of loan products are available. So, what loans do enterprises in Ganzhou, Jiangxi have?
Loans granted to enterprises in Ganzhou, Jiangxi Province can be collectively referred to as small and micro enterprise operating loans, and the types of loans are different from personal loans. There are three types of loans. 1. Tax loan is usually a loan whose tax is determined by Ganzhou Local Taxation Bureau, State Taxation Bureau and other local banks. Credit is given according to the tax amount. If the tax amount is high, the loan amount will be high. Generally, enterprises are required to be registered and operate for more than 1 year, pay taxes in good faith, provide tax payment certificates of not less than 1 year, and the tax payment level is not less than D. 2. Equipment loans are mainly used to provide loans for enterprises to purchase or lease equipment needed for production and operation. After all, enterprises should use advanced equipment, especially factories. If the equipment is backward, the speed of production and operation will definitely be very slow. This kind of loan has a short term and usually needs to provide property mortgage and pledge as guarantee. 3 working capital loans are mainly used for the daily production and operation turnover of enterprises, and can be divided into short-term loans and medium-term loans according to the loan period. These loans are all credit loans, and the requirements for enterprises are relatively high. It is necessary to open a settlement account with a loan bank, provide collateral and pledge as a guarantee, and audit the financial statements of the past three years. In addition to the above three types of loans, there are many loans for enterprises, and the products of different lending institutions are also different. It is suggested to choose a suitable lending institution and a loan type that meets your own strength and needs, and provide enough information to prove that it will be easier to issue loans.
2. Which unsecured credit company in Ganzhou is the best?
China Citic Bank
Can a small unsecured credit loan of 3.65438+10,000 yuan mortgage my house of 6.5438+2,000 yuan?
If it is a credit loan of 654.38+10,000 yuan, it will not mortgage your house of10.2 million yuan, as long as you repay it on time after applying for the loan, and there is no overdue situation.
Credit loan.
Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit records, that is, you can apply for loans from banks or financial institutions without any collateral and assets. The most important thing of credit loan is to have a good credit record, so everyone must keep a good credit record in their daily life.
Then, what information do you need to prepare for a credit loan?
How to deal with it?
What are the conditions for applying for a credit loan?
0 1
Information needed for credit loan
1. ID card
2. Proof of income (after-tax punch-in salary exceeds 3,500, which varies from region to region)
3 provident fund or social security card (social security or provident fund that needs to be paid continuously for more than one year)
4. Auxiliary materials: If there is real estate, you can provide real estate license or academic certificate.
02
Credit loan processing flow
Business managers who go to the bank to apply for credit loans with prepared materials will be audited by the bank after submitting the materials; Or you can contact a financial lending institution to handle it. Professional loan consultants will provide one-on-one service, and follow-up information supplements and changes will be followed up by special personnel, which is more convenient, quick and worry-free.
Credit loans are mainly based on personal credit, so many banks will be relatively cautious about the loan amount, most of which will not exceed 300 thousand; Professional financial lending institutions will adjust according to the actual situation of individuals, which is relatively flexible.
03
What are the requirements for applying for a credit loan?
Not everyone can apply for a credit loan, but some relevant conditions are still needed.
1. Work situation: First of all, the lender must have a stable job and work in the current work unit for at least 6 months, mainly based on social security verification; If you are self-employed, you need to provide a business license for more than one year.
2. Income: The audit is mainly based on the running water of the bank. Personal credit loans in Shenzhen require a monthly income of more than 3,500, which will be different in different regions.
3. Personal credit: The most basic condition of credit loan is a good personal credit record. Generally, the lender's credit report is required to be overdue for no more than 6 times within two years, and it has not been repaid for more than 3 months in a row.
4. Current debt: the threshold of credit loan is low, and there is no need for mortgage and guarantee, but the lender's repayment ability will be reviewed according to the lender's debt situation. If the debt is too high, it means that your repayment ability is poor, so you cannot apply for a credit loan.
5. domicile: this is also one of the criteria for evaluating the stability of lenders. Lenders need to have a stable residence and provide relevant real estate licenses or lease contracts as the basis.
6. Personal behavior record: Banks and financial lending institutions will require lenders to have good conduct and no criminal record or execution record.
7. Proof of personal assets: This can be said to be a plus item for credit loans, which can help prove personal repayment ability. Accordingly, banks and financial lending institutions will increase the loan amount according to your personal assets.
Other conditions of banks and financial lending institutions.
Do you have a clear understanding of personal credit loans now? The threshold of credit loan is relatively low. When everyone only needs funds, credit loan is a good way to solve the problem.