Mainly the cooperation between network joint insurance and China Construction Bank. The landlord can call 057-85022088- 16600 if necessary.
1. What is a network joint guarantee loan?
Network joint guarantee loan is a loan product that does not need any mortgage. Three or more enterprises form a consortium to apply for loans from banks, and at the same time realize risk sharing among enterprises. When any enterprise in the consortium cannot repay the loan, other enterprises in the consortium need to repay all the loan principal and interest for him.
For example, if Party A, Party B and Party C in the consortium each get a loan of 500,000 yuan, everyone will bear the loan responsibility of 6,543,800 yuan+0.5 million yuan. If Party A fails to repay the loan of 500,000 yuan at maturity, the legal representatives of enterprises B and C shall repay the loan of 500,000 yuan and interest. ..
Interest rate: According to the actual loan situation, the annual interest rate is mostly around 8 ~ 12% (according to the regulations of the People's Bank of China, the current benchmark interest rate for one-year loans is 7.47%). The specific interest rate varies according to the qualifications of enterprises, and the possibility of higher interest rates of individual enterprises is not ruled out.
Interest shall be calculated on a daily basis, and interest shall be paid for as many days as possible;
Amount: At present, the maximum loan amount for each enterprise is 2 million yuan;
Loan term: 1 year.