Jiangsu Suning Bank has the following five popular commercial loans: Wechat business loan (credit), with a maximum amount of 3 million and an annual interest rate of 7%; Wechat business loan (invoice), the maximum amount is 2 million, and the annual interest rate is 7%; The maximum amount of housing loan is 5 million, with an annual interest rate of 5%; The maximum amount of pure pants for science and technology loans is 20 million, with an annual interest rate of 4%; The maximum loan for merchants is 500,000 yuan, with annual interest rate of 12%.
What kinds of commercial loans are there?
What kinds of commercial loans are there? Operating loan is a form of loan that enterprises raise funds from banks or lending institutions according to their own development needs to maintain production and operation needs. According to the loan amount of the loan enterprise, as well as the purpose and duration of the loan, the bank has formulated the corresponding loan types:
1, revolving loan for working capital
The lender and the borrower sign a one-time working capital loan business, allowing the borrower to withdraw the loan several times within the validity period stipulated in the contract, repay the loan one by one and recycle the loan.
2. Zero compensation liquidity loan.
A working capital loan that customers can withdraw money in one lump sum and repay in installments.
3. Company account overdraft
According to the customer's application, the overdraft limit of bad account is approved, and when the deposit in the settlement account is insufficient to pay, credit funds are allowed to be directly obtained through Shoushan Branch within the approved overdraft limit.
4. Medium-term working capital loans
Refers to the working capital loans issued by commercial banks to borrowers with a term of one to three years (excluding one year and three years), which are mainly used for the normal production and operation of enterprises.
What is the purpose of personal business loans?
At present, the groups applying for personal business loans are mainly business owners and self-employed, so what is the purpose of this loan? What is the loan amount?
The concept of personal business loan
First of all, let's take a look: what is a personal business loan? The so-called personal business loans refer to loans granted by banks to individuals engaged in legitimate production and operation.
Personal business loan purpose
Personal business loans are mainly used by borrowers to purchase or lease commercial houses, machinery and equipment and other personal production and business needs.
According to the purpose of the loan, personal business loans are divided into personal business special loans and personal business working capital loans. In the key benches, personal business loans are used for borrowers to buy or lease commercial houses and machinery and equipment, and the repayment source is mainly the cash flow generated by business production; Personal operating liquidity loans are mainly used to meet the liquidity needs of personal production and operation.
Personal business loans are fast.
For the personal business loan amount, the bank will determine it according to the actual situation of the borrower. However, different banks have different regulations on the maximum amount. For example, CCB's personal business loans can reach up to100000, and ICBC and Zhongchao Changlv's personal business loans can reach up to 3 million? Therefore, borrowers with large capital needs must "shop around" when choosing a loan bank.
What can operating loans be used for? What are the application conditions for operating loans?
I believe you don't know much about personal business loans. This unpopular loan method can actually help the borrower make a comeback and reverse the role of Gan Kun. Commercial loans have the characteristics of high amount, long term, many guarantee methods and recyclable loans. So, what can business loans be used for? What are the application conditions?
Personal business loans, in layman's terms, refer to loans issued by banks to borrowers for legal production and business activities such as relocation, purchase or renewal of business equipment, payment of rent for leased business premises, and decoration of commercial houses. According to the different purposes of loans, personal business loans are divided into personal business special loans and personal car business working capital loans.
Generally speaking, the loan purposes of personal business loans include but are not limited to:
1, the liquidity required by the loan applicant for legal production and business activities;
2. Purchase or update business equipment;
3. Pay the rent of the leased business premises;
4. Decoration of business premises.
Tips: The applicable groups of operating loans include business owners and self-employed. Although the bank will require proof of use, it is far less strict than the regulations on mortgage loans. Many banks do not need business owners to provide invoices, but only need to buy contract messengers.
Personal business loan application conditions:
1. A natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have a legal and valid identity certificate and household registration certificate;
3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons;
4. Have a good credit record;
5. Have a stable source of income and the ability to repay loans in full and on time;
6. Being able to provide legal business premises and specific purposes of the loan;
7. Other relevant regulations and requirements of banks.
What kinds of commercial loans can be divided into?
1. Special loan
Special loans refer to loans issued by banks to individuals for directional purchase or lease of houses, machinery and equipment, and the main source of repayment is cash flow generated by operations. Special loans mainly include personal commercial housing loans and personal equipment loans. Commercial housing loans are mainly used for shop loans (places where goods are sold or services are provided).
2. Working capital loan
Working capital loans refer to loans issued by banks to individuals engaged in legal production and operation to meet the working capital needs of individual holding enterprises (including individual industrial and commercial households). Working capital loans are divided into secured working capital loans and unsecured working capital loans according to the conditions of unsecured loans. Here we need to pay attention to the difference between working capital loans and corporate loans. Enterprise loans are aimed at enterprise legal persons, and working capital loans are loans issued to individuals for the production and operation funds of enterprises (including individual industrial and commercial households) controlled by individuals.
So much for the introduction of operating loans.