1. How to borrow corporate loans in Hefei, Anhui?
First of all, find a formal lending institution, which is to ensure that the information will not be leaked, the funds are safe and secure, and the loan business can be carried out locally in Hefei. After all, most loans cannot be handled across regions.
Secondly, the choice of loan types, such as credit loans, mortgage loans, or pledge loans, is usually based on the qualifications of enterprises. For example, if you have paid taxes in good faith for more than 2 years, you can apply for corporate tax loans, such as Ping An tax loans and micro-business loans. Not bad; If you have collateral with sufficient value and strong liquidity in your name, such as factory buildings and commercial houses, you can apply for mortgage loans.
Finally, choose the loan channel. In fact, it is offline processing, online processing and so on.
Two, Anhui Hefei enterprise loan matters needing attention:
1. loan interest: corporate loan interest is usually calculated on a daily basis and repaid on a monthly basis, and can be repaid with the loan. Different lending institutions have different interest rates. For example, the minimum daily interest rate for small and micro enterprise loans should be determined according to the credit status of the borrowing enterprise. No matter what the interest is, it is best not to borrow it if the annual interest rate exceeds 24%.
2. Repayment method: In addition to average capital and equal principal and interest, some corporate loans also support interest before capital, and there is only one choice. It is suggested to choose according to the repayment ability of the enterprise. By the way, let's see if we can support expansion. If we can't repay the loan, we can extend it to avoid overdue.