The charging standards of guarantee companies are as follows:
1. There are two main expenses for the guarantee business: consulting fee, review fee and guarantee fee.
2. When the guaranteed project enters the risk assessment stage, it needs to pay the consulting assessment fee, which is generally 1%-3% of the loan guarantee amount.
3. The guarantee fee is calculated according to the interest rate and term of the loan guarantee. Generally, 50% of the loan interest rate is charged according to the actual loan term, and some companies can also charge 50% according to the benchmark interest rate of the People's Bank of China for the same period. For example:
If the loan is 1 ten thousand and the term is 1 year, then the appraisal fee is 20 thousand according to 2%, and the guarantee fee is 1 ten thousand 53 1% 50% 1 year = 26550.
4. If the mortgaged assets are provided to the guarantee company and the mortgage registration is conducted, the expenses incurred will also be paid by the party applying for the guarantee.
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Business process of guarantee company:
1. Application: The enterprise applies for loan guarantee.
2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.
4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantees, and at the same time collects guarantee fees from enterprises.
6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repaying the loan in advance and ensure the normal operation of the enterprise's capital flow.
Do corporate loans need guarantees?
Whether large enterprises or small and medium-sized enterprises, their development can not be separated from the support of credit funds. But in the process of loan, there must be a guarantor, so why do corporate loans need guarantee? Let's have a look.
Do corporate loans need guarantees?
For the following specific reasons, corporate loans need to be guaranteed:
1, high bank cost.
First of all, due to the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks. Therefore, many small enterprises often turn to guarantee institutions, and the cost of choosing customers for guarantee institutions is relatively low. Choosing high-quality projects to introduce into cooperative banks will improve the success rate of financing and reduce the marketing cost of banks.
2. Guarantee can effectively release risks.
In addition, after the risk is released, the advantages of guarantee institutions are irreplaceable. The project of bank direct loan is risky, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity. The cash compensation of guarantee institutions has largely solved the problem of bank disposal.
3. The loan speed of the guarantee company is fast.
Moreover, the guarantee company has a fast time limit. As a bank, its inherent loan model process causes a lot of time waste for SME owners; The guarantee company only shows a flexible financing scheme model, which greatly saves the time and energy of the business owners and can meet the needs of the business owners for emergency funds.
4. The secured loan amount is large.
Finally, the credit line granted by the guarantee company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more demand funds for SMEs.
However, it is worth noting that the guarantee company does not lend with its own funds, but guarantees with corporate reputation and banks lend. In other words, if the enterprise can't meet the loan standard in credit reliability, it can find a guarantee company to guarantee it. Then the guarantee company does what the bank doesn't want to do, and the risk is borne by the guarantee company.
What is the loan process of the guarantee company and how to repay it?
First, the guarantee company loan business process:
1. Application: The enterprise applies for loan guarantee.
2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.
4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantees, and at the same time collects guarantee fees from enterprises.
6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
2. Repayment: You can repay the bank normally.
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Matters needing attention in loan of guarantee company
First, any investment is risky. A good guarantee company will have a complete risk control system and an excellent risk prevention and control continuous learning mechanism. This is particularly important when choosing a guarantee company. Only by controlling the risks can the interests of investors be guaranteed.
Second, the legal text is rigorous and standardized. Old-established guarantee companies often strictly abide by national laws and regulations, and will not operate illegally for short-term interests, nor will they touch the "high-voltage line" of the industry. In operation, any violation or unexpected factors may pose a potential threat to the interests of investors, so it is necessary to formulate a rigorous legal text to clearly stipulate the rights and obligations of investors, borrowers and guarantors in the contract. Only in this way can the interests of all parties be fully guaranteed. This is also an important aspect of judging guarantee companies.
Third, fully understand the assets and social reputation of the guarantee company. Usually, a good guarantee company has good assets and mature operation mode, which will win it a good social reputation and reputation.