With the continuous acceleration of economic development, many small and medium-sized enterprises need project funds, and many banks have purchased similar loan products. Today, we will briefly introduce the application conditions of Jiaxing Bank's project loan.

I. Introduction of Project Loan

This loan product refers to the loans issued by Jiaxing Bank for enterprises to build, expand, transform, develop and purchase houses. , mainly for fixed assets.

The term of the project loan is divided into medium and long-term project loans, with the term of 1 to 5 years and 5-10 years. People whose term exceeds 10 years cannot apply for this loan.

The loan interest rate is implemented and adjusted according to the loan interest rate of the same period, and fluctuates within a certain range.

Second, the project loan application conditions

1. Enterprises need to submit a project application, and the project must conform to the national industrial policy, credit policy and loan investment of Jiaxing Bank.

2, the project needs to have a proportion of the original funds stipulated by the state.

3, if it is some special projects, to hold the approval documents of the state.

Three, the project loan application materials

1. At the initial stage of application, project proposal, project approval document and demonstrated project feasibility study report need to be prepared.

2. Pre-project report.

3, capital and other construction funds, production and operation of liquidity financing plan and the source of funds to implement the document, and attached to the investor's investment commitment.

4. Prepare the business license of the enterprise as a legal person and other necessary qualifications.

5. It is necessary to provide the financial statements of the enterprise for three fiscal years, the balance sheet, income statement and cash flow statement of the month before applying for the loan.

6. Guarantee method and corresponding letter of commitment.