1. Contact the loan company to collect fees;
2. Understand each other's situation and determine cooperation;
3. Sign the contract, submit the materials and go through the formalities;
4. Processing is completed;
5. Loan costs.
6. In fact, the whole process is very simple. As long as the cooperation is confirmed, the loan company is operating and the customer is very convenient, as long as the required materials are provided. But the difficulty lies in how to choose a formal loan company. If you are looking for a loan company online, you must meet each other to trade. Because the loan company can only serve local customers in the registered place, the borrower and the loan company must be in the same city. A formal loan company will sign a formal contract with the borrower, which will indicate interest, fees, repayment information and so on. , and the contract must be signed by the borrower himself to take effect.
Question 2: What does bridge loan mean? Simple and accurate means that after financial institution A got the loan project, it could not operate due to the temporary lack of funds, so it consulted financial institution B and asked it to help distribute funds. After the funds of financial institution A are in place, B will withdraw from bridge loan. This loan is the so-called bridge loan of B ..
Question 3: What does bridge loan mean? What does bridge loan mean? Bridge loan, also known as bridge loan, refers to financial institution A's inability to operate due to temporary lack of funds after receiving the loan project, so it consulted financial institution B and asked it to help distribute funds. After the funds of financial institution A are in place, B quits. For B, this loan is the so-called bridge loan. In China, policy banks such as CDB/ Exim Bank/Agricultural Development Bank play the role of financial institution A, while commercial banks play the role of financial institution B. ..
Generally speaking, bridge loan is a short-term loan, which belongs to a transitional loan. Bridge loan is an effective tool to directly capitalize buying opportunities, and the biggest advantage of bridge loan is its quick recovery. Bridge loan has a short term, no more than one year, and the interest rate is relatively high, with some mortgages such as real estate or inventory as collateral.
The funds provided by bridge loan to pave the way for M&A transactions can be understood as temporary or short-term loans provided by banks and other financial institutions to borrowers. It can be in the form of fixed loan or revolving letter of credit, but the term is short. Therefore, it can only be a short-term financing, which plays a "bridge" role in M&A transactions. The interest rate of "bridge loan" is 2%~5% higher than that of ordinary loans. When the market situation changes abnormally, it is necessary to speed up the transaction, and the high cost of buying the market forces the buyer to obtain funds quickly to end the transaction, so they adopt the "bridge loan" one after another. Subsequently, the bank loan is repaid by selling bonds and stock bills.
Both companies and individuals can use bridge loan. Bridge loan's personalized design can be applied to many different situations. For example, a company is carrying out a round of equity financing, which is expected to end in six months. The company can use bridge loan to meet its working capital needs, and will repay bridge loan by issuing bonds in the future. Bridge loan in enterprise financing is called "gap financing", which is used to make up the time gap between repaying the issued bonds and replacing the bonds with newly issued bonds. At this time, bridge loan is also a kind of operating loan, which is used during the quiet period and IPO period, or during the signing of the letter of intent for acquisition and the implementation of the acquisition.
Question 4: What is bridge loan? Here is a chestnut for you. Ms. Wang is an enterprise manager. Two years ago, she mortgaged her house in Haidian District to China Construction Bank with a loan of 2 million yuan. So far, she has paid back 1.2 million yuan, and still owes the bank 800,000 yuan. However, due to the high housing prices in the past two years, Ms. Wang's original house worth 3 million has now risen to 4.5 million, so Ms. Wang wants to use this house to borrow more money to invest.
However, the loan that has not been paid off has made Ms. Wang very embarrassed. I heard that Chengye.com can provide bridge loan, so Ms. Wang came to consult. After learning about Ms. Wang's specific situation, our senior consultant showed that she had lent Ms. Wang 800,000 bridge funds to repay the loan, and then helped Ms. Wang to borrow 2.8 million from China Merchants Bank. In less than a month, Ms. Wang borrowed another 2 million from the bank.
Question 5: What's the difference between bridge loan and advance payment? Bridge fund is a kind of short-term financing with a term of six 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; Crossing the bridge is only a temporary state.
Characteristics of bridge-crossing funds: 1. Short term, usually no more than six months. 2. High gold content: For the operation of funds, it is very important for users and plays a supporting and inciting role. 3. rate of return on capital Gao: Because of its importance, the return to the fund providers is quite high. 4. Risk is easy to control: because the bridge-crossing funds are not long-term occupation of funds, but temporary needs, they are often replaced by follow-up funds, so the risk is easy to control.
What happened to the advance payment? Advance payment refers to the funds that the amount paid by the project is greater than the advance payment formed by the total amount of the received or receivable accounts. The so-called "advance payment" has become a common vocabulary of real estate agency account managers. Generally speaking, the term of advance payment is short-term, and the longest is 1 year; The repayment method of monthly interest payment and one-time principal repayment is adopted, and there is no monthly installment repayment.
Question 6: What does bridge loan mean? The money provided by bridge loans to pave the way for mergers and acquisitions can be understood as temporary or short-term loans provided by banks and other financial institutions to borrowers. It can be in the form of fixed loan or revolving letter of credit, but the term is short. Therefore, it can only be a short-term financing, which plays a "bridge" role in M&A transactions. The interest rate of "bridge loan" is 2%~5% higher than that of ordinary loans. When the market situation changes abnormally, it is necessary to speed up the transaction, and the acquisition cost of the market is higher, forcing the buyer to obtain funds quickly to end the transaction, thus adopting "bridge loan" one after another. Subsequently, the bank loan is repaid by selling bonds and stock bills.
Question 7: What do you mean by the bank crossing the bridge? Bridge loan, also known as bridge loan, refers to financial institution A's inability to operate due to temporary lack of funds after receiving the loan project, so it consulted financial institution B and asked it to help distribute funds. After the funds of financial institution A are in place, B will withdraw from bridge loan. For B, this loan is the so-called bridge loan. In China, policy banks such as CDB/ Exim Bank/Agricultural Development Bank play the role of financial institution A, while commercial banks play the role of financial institution B. ..
Generally speaking, bridge loan is a short-term loan, which belongs to a transitional loan. Bridge loan is an effective tool to directly capitalize buying opportunities, and the biggest advantage of bridge loan is its quick recovery. Bridge loan has a short term, no more than one year, and the interest rate is relatively high, with some mortgages such as real estate or inventory as collateral. Therefore, bridge loan is also classified as "bridge financing", "transitional financing", "gap financing" or "revolving loan".
Simply put, it can be understood as a kind of lending behavior.
Question 8: What is the bridge loan in bridge loan? A bridging loan is a short-term loan and a bridging loan. Bridge loan is an effective tool to directly capitalize buying opportunities, and the biggest advantage of bridge loan is its quick recovery. Ha ha. This knowledge is also learned from the platform of "helping people to lend".
Question 9: What is the meaning of "crossing the bridge" in private lending? Who can give me an example in detail? Thank you very much You mean that enterprises cross the bridge, for example, a company borrows 50 million yuan from a bank for three to five years. The bank needs your company to return the funds to you at the end of each year, but your money has been put into operation and will not be transferred back for a while. At this time, you need a sum of money to help you advance, and the bank can grant you more money. All you have to do is return the money approved by the bank to the person who helped you cushion the money. However, because crossing the bridge is generally a period of time and the amount of funds is large, the fees will be higher accordingly. I hope I can help you. Please keep asking questions!