Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
At present, many banks provide pure credit loans for SMEs and individual industrial and commercial households. Tax loan is a bank loan for small and medium-sized enterprises that operate stably and pay taxes according to law? Unsecured and unsecured pure credit? Break through small and micro enterprise loan products.
Mainland household registration, the age requirement is 28-60 years old.
The enterprise requires the business license to be registered for more than 2 years; The enterprise has paid taxes in good faith in the past 24 months, and at least once every 6 months, the paid tax amount is not zero, and the accumulated tax amount in the past 12 months is more than 30,000 yuan (inclusive); The latest tax credit rating results of the enterprise were identified as Grade A and Grade B; The enterprise has no effective rating in CCB and no credit line; For enterprises with loans from other banks, the loan balance shall not exceed 1.
The business scope of the company involves entertainment, real estate, securities and investment.
Corporate credit, not personal credit; Personal credit information is not overdue at present, and the number of overdue or interest owed in the past two years is 30 days (inclusive) and not more than 6 times, and there is no overdue or interest owed for more than 30 days; The company shows that the risk classification of paid and unpaid debts is normal; The five-level classification is frozen, unknown, concerned, payment stopped, and suspicious non-access.
There are no specific requirements for the borrower's bank liquidity and liabilities, as long as other basic conditions meet the access conditions.
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
The pure credit line can reach 4 million yuan, and the maximum through mortgage can reach 20 million yuan; The repayment is flexible and free, and the principal can be repaid in installments or in one lump sum at maturity.
The enterprise has been established for more than 2 years; The enterprise and the actual controller have good credit records, and the actual controller or family has real estate in Shenzhen (priority); In the latest fiscal year, the tax return income was more than 25 million yuan, and the sales income was stable or growing steadily; In the past two years, the total amount of national and local taxes paid each year is more than 200,000 yuan (including tax exemption for export goods of production enterprises); Other credit cooperative banks ≦ 2;
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
The quota is as high as 3 million, with high quota, pure credit and low interest rate. Online application, loan repayment, daily interest, minimum daily interest of 3 million 660 yuan. The borrower is a general taxpayer. How long has the enterprise been established? For 2 years, the applicant has paid taxes in full and on time for 2 consecutive years, and the cities that can handle it are: Guangdong (Guangzhou, Shenzhen);
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
Small and micro enterprises can only apply for tax records and obtain credit loan lines online. The maximum credit line can reach 1 10,000, and the lowest interest rate is 0.0 19%. If you borrow it, you will pay it back, and the interest will be calculated every day. Minimum daily interest 1 ten thousand yuan.
The lender is 23 years old (inclusive) to 60 years old (inclusive) and has full civil capacity; Enterprises pay taxes normally for two years or more, and the tax level is B or above; Total tax paid in the previous year: more than 50,000 yuan in wholesale, retail and manufacturing industries, and more than 20,000 yuan in other industries, with no record of bad tax arrears;
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
The maximum amount is 2 million, the interest rate is low, and it can be repaid as you borrow it. 400 yuan, with a minimum daily interest of 2 million yuan, is easy to handle, without mortgage guarantee, and the approval is fast, and the whole process is handled online.
Small and micro enterprises (including individual industrial and commercial households) have been established for more than 2 years (inclusive), and the business owners have been engaged in this industry for more than 3 years (inclusive); When the borrower is an individual (individual business loan application), the borrower has good credit, has the ability to perform the contract and repay the debt, and has no malicious bad credit record; Available cities: Jiangsu, Shenzhen and Hangzhou;
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
Enterprises that pay taxes on time and in full can apply, with a maximum amount of 3 million and low interest rate. They can borrow it at any time and pay it back at any time. The daily interest rate is 3 million, and the lowest interest rate is 630 yuan.
How long has the enterprise been established? 3 years; Total annual tax payment (including value-added tax, income tax and business tax)? 654.38+10,000 yuan (including the amount of export goods reduced or exempted by production enterprises).
Meet one of the following three requirements:
Have a household registration in this city;
Have real estate in this city (either husband or wife can);
Pay social insurance or personal income tax in this city for two consecutive years (inclusive);
4. Handling city: Shenzhen.
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
Loans have the advantages of low threshold, simple procedures, quick approval, and online loan repayment. Take one day as the interest rate, and the lowest interest rate is 654.38+0 million, as long as 250 yuan.
If the loan object is a small and micro enterprise legal person, it shall conform to the standards for small and micro enterprises stipulated in the Notice of the Ministry of Industry and Information Technology on Printing and Distributing the Standards for Small and Medium Enterprises (No.[201] 300 of the Ministry of Industry and Information Technology), and it shall be a small and micro enterprise in the banking area.
If the loan object is a natural person, it shall meet the following conditions:
A China citizens with second-generation ID cards have full capacity for civil conduct.
B, age: 18 (inclusive) -65 (inclusive).
C, must be a commercial entity? Legal representative? Or? Major shareholder? .
D, good credit record.
Can handle cities (Shenzhen, Zhuhai, Huizhou, Foshan).
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
Ping an bank KYB tax loan, the best understanding of the needs of small and micro enterprises. Online loan review, immediate approval, no mortgage, no guarantee, with the loan, daily interest, the minimum daily interest of 500,000 yuan is only 165 yuan;
Product information:
Loan amount:1-500,000;
Loan term: 1-3 years;
Annualized interest rate: no more than12%;
Repayment method;
☉ Quota category, the validity period of the quota is 3 years, and it is repaid as you borrow it, with daily interest, with a single term of 3 months;
☉ Single transaction, single term 1-3 years, equal principal and interest/average capital;
3. The loanable amount;
Tax credit = accumulated tax payment of value-added tax in the last 24 months *2+ accumulated tax payment of enterprise income tax in the last 24 months *3, and shall not exceed 8% of the tax declaration income in the last 12 months;
Small and micro enterprises have unsecured pure credit and 8 bank credit loan products.
Many friends may find it difficult to get loans from banks. In fact, the loan is not difficult. Just information asymmetry, do not understand the industry. As long as you know whether the bank's product access matches your own conditions, you will succeed more than half.