Loans are divided into credit loans and mortgage loans according to whether there is collateral or not. Here is a brief introduction.
I. Credit loans
(1) enterprise credit loans
The applicant is a natural person over the age of 18 and has full capacity for civil liability.
The business license has been registered for one year and the business is normal.
Good corporate credit report.
Good enterprise credit information
(2) corporate tax bill loans
The applicant is a natural person over the age of 18 and has full capacity for civil liability.
The business license has been registered for one year and the business is normal.
Good corporate credit report.
Good enterprise credit information
Enterprises have billing and tax payment records, reaching a certain amount.
Second, mortgage loans.
Mortgage loans are generally used to meet the large capital needs of enterprises.
In addition to reviewing the qualifications of legal persons/shareholders and companies, it is also necessary to review the qualifications of collateral. Generally, the collateral that can be used for mortgage is: real estate, vehicles, factory land and other valuable assets.
The following simple real estate mortgage
housing mortgage loan
Borrowers and enterprises should meet the enterprise credit loans conditions.
Collateral is commercial housing, office buildings, shops and villas.
Generally, the room age should be less than 30 years and the area should be more than 40 square meters.
Property rights are clear and can be listed and traded.
The loan amount is less than 70% of the property value.
Related Questions and Answers: Related Questions and Answers: Can I get an interest-free loan in a bank with a business license? What are the procedures? Do you have a business license to get an interest-free loan in the bank? What are the procedures? There are three main factors to consider.
On the issue of interest-free loans, many people may want to apply, and even some small enterprises and individual industrial and commercial households hope that all bank loans are interest-free and useless loans. Last year, it was widely circulated that they could apply for interest-free loans from banks as long as they obtained business licenses. What will the reality be like? Mainly depends on three factors.
The first factor is that normal bank self-employed loans need to conduct risk assessment and investigation on the operating conditions of individual industrial and commercial households, and clarify the purpose of loans. The business license is only the premise of the loan and may not be approved.
As a personal business loan or a loan for individual industrial and commercial households, having a business license is only the first step, but if you want to borrow, you need to conduct a strict inspection and risk assessment on the business situation, loan purpose and repayment source.
Under normal circumstances, both individual industrial and commercial loans and individual business loans need to provide the following materials of the applicant:
First, the original and photocopy of the legal representative's ID card and household registration book; The second is to provide the original and photocopy of the annual business license and tax registration certificate; It is best to have a three-year business report; At least half a year's bank flow and other relevant information that can prove the legal income of the legal representative; The marital status of the legal representative, such as marriage certificate, divorce certificate, single certificate, etc.; Legal and sufficient collateral or pledge; Letter of commitment from the mortgagor or guarantor, and other materials required by the bank.
Bank loans will not be granted just because you have only one business license, just as loans for supporting agriculture will not be granted just because you are a rural person. Equally important, the purpose of the loan is also an important part of the bank's review, including the rationality and legality of the repayment source of the bank loan, so as to ensure that the bank loan has sufficient repayment source.
The second factor is that banks have no interest-free loans, which is a misunderstanding of many people. But this is not the case.
There is no interest-free loan in the bank's loan business, because the bank's loan funds are deposits, which need to be paid, as well as interest. In addition, the bank's operating costs include rent, water and electricity, labor costs and various taxes and fees, which is also the reason why the bank loan interest rate is higher than the deposit interest rate, otherwise the bank will lose money.
In reality, people often question when applying for loans, why do banks need loan interest? Why can't we provide interest-free loans to people in urgent need of funds? In fact, if banks provide interest-free loans, they will lose money, which will lead to the failure to pay deposits in time, which will lead to the credit crisis of banks.
Therefore, in reality, there will be no interest-free loans provided by banks, let alone interest-free loans, and only one business license is needed. This must be clear.
The third factor is whether there are interest-free loans in reality. Yes Although it is handled in a bank, it is essentially different from the general loans of banks.
My friend is in a small city in the south, where some small businesses are developed. Some relatives at home are also doing business. When talking to them in June last year, they said that many businesses are now handling interest-free mortgage loans. It is said that many people apply for interest-free loans, whether it is medium-sized businesses with assets of hundreds of millions or small businesses with only small factories, they all apply for loans with their own houses or relatives' houses. My friend's own real estate license was borrowed by several relatives.
It can be seen that you don't need to apply for a loan if you have a business license, but you have to mortgage your house to apply for a loan. In fact, what we call "interest-free loans" are not real bank interest-free loans, but interest-free loans issued by local governments to support local economic development, especially the development of small and micro enterprises and self-employed households. Enterprises and individuals still need to pay interest when lending, but this interest is not borne by the lender, but subsidized by the government. The loan applicant only needs to repay the principal, which is called interest-free loan in folk simplification. However, not everyone can apply for interest-free loans, and not everyone can apply for loans as long as they have a business license, because only specific groups can apply for poverty alleviation loans for vulnerable groups, and some rural interest-free loans help them get rich; There are also some operating loans for small and micro enterprises and individual industrial and commercial households.
Therefore, the so-called interest-free loans are not interest-free, but government interest subsidies. Because most government discount loans are handled through banks, people mistakenly think that they are interest-free loans from banks.
What needs to be clear is that, generally speaking, it is not a full interest-free loan, but a partial discount, and the lender also needs to pay a certain amount of interest. For example, in order to fight against the epidemic, according to the Notice of the Ministry of Finance on Supporting Financial Services to Prevent and Control the novel coronavirus Epidemic (Jin Cai [2020] No.3) issued on February 2, 2020 and the provisions of the the State Council Executive Meeting on February 5, 2020, banks are supported to produce, transport and sell key medical prevention and control materials and daily necessities, and the financial sector gives 50% preferential treatment to ensure that the corporate loan interest rate is lower than 1.6%.
There are two factors here, one is a 50% discount on finance, and the other is that the actual loan interest rate is lower than 1.6%, which means that the actual loan interest rate of the bank is around 3.2%.
It should be noted that some institutions that handle interest-free loans are not bank lending institutions, and other arbitrary charges may be hidden under the signboard of interest-free loans. For example, some lending institutions, fees, fund management fees and other expenses, the comprehensive cost is actually not lower than the interest rate. (Qi Jian)