It is well known that it is difficult for enterprises to borrow money, especially for small enterprises. It is even more difficult to apply for a loan by itself. It is naturally better to save interest after the same period. What should the enterprise do to save interest skillfully in the loan?
(1) Select a bank
Compared with companies, choosing bank loans saves more interest, and the interest expense of banks is much lower than that of companies. In addition, some banks will implement the annualized interest rate according to the benchmark stipulated by the state, so it is best for small enterprises to choose these banks to apply for corporate loans.
(2) combinatorial optimization
The loan method is the lowest expected annualized interest rate for bank loan business, and corporate borrowers should consider choosing this loan method more, so as to reduce the interest payment of corporate loans and reduce the burden of small business loans.
(3) Term selection
The expected annualized interest rate of the loan can be divided into six months and one year, and it is stipulated that the expected annualized interest rate of the half-year grade is within six months of the loan term, and the expected annualized interest rate of the one-year grade is over six months and less than one year. Because the borrower's predicted time of capital demand and the term of the signed loan contract often don't coincide with the time when the expected annualized interest rate of the loan is stipulated, the expected annualized interest rate difference of various term loans will naturally form in practice.
(4) Reasonable scheme
The services provided by professional folk credit institutions are also one of the ways of small business loans. Compared with banks, the main advantages of private lending are its high speed and simple procedures. Borrowers can choose different loan schemes according to their own needs.
I think that how to save interest skillfully needs to combine the specific needs of small enterprises, their own situation, loan time and loan application amount, and finally choose the loan method suitable for their own enterprises.
What about the company's loan
Choose a good enterprise loan type
Pure credit: tax loan and invoice loan.
Mortgage loan: operating mortgage loan
Look at your own business conditions.
Establishment time: the minimum establishment time of corporate loan requirements of general banks is above 1 year, and the general requirement is between 1-3 years;
Company size: Many products will be formulated with different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount interest and quota increase, for example, enterprises that recruit disabled people, accept employment of retired military personnel or enterprises that meet other standards;
Business data: generally speaking, the business flow, tax payment data and invoice data of the enterprise are used as the reference for credit granting, and the better the data, the higher the credit line;
Bad record: whether the enterprise has an execution record or a judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;
Industry: whether it is a forbidden industry (such as three highs and one limit, finance, entertainment, teaching and training, etc.), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;
Location: Many bank products are restricted by region, so you can read the detailed product introduction before applying to avoid wasting credit information;
Look at the conditions of legal person/shareholder.
Age of legal person: the corporate loan products of general banks require applicants to be corporate legal persons or shareholders with more shares, and they must be over 18 years old. In fact, most banks require them to be over 20 years old;
Legal person's credit investigation: Credit investigation is the key examination, and it is best not to have overdue records, frequent inquiry records and white households. However, products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that there cannot be more than three consecutive large overdue, no more than three times for credit reporting loans and credit card approval inquiries in one month, no more than five times in two months and no more than eight times in three months.
Mortgaged property right: if the husband and wife share the same property, they need to check the credit information of their spouses when handling mortgage business loans. Some products will relax the access requirements, and assets under shareholders' names can also be mortgaged;
Determine the product and application method
At present, there are two ways of offline application and online application. The advantage of online application is that it doesn't need paper documents, but it can be operated on the computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.
Small and micro enterprise loan business knowledge
1. What skills do small and micro enterprises need to master in lending?
It is difficult for small and micro enterprises to borrow money, in fact, as long as they choose the right method.
The loan difficulty can be well solved. Below we give a loan financing plan for two types of small and micro enterprises.
A kind of enterprise problem: there are good projects and good planning, but lack of start-up funds and working capital methods: through the support of financial experts, seek "venture capital" for financing. The main goal of financing is to win private capital and loan products for small and micro enterprises launched by some banks.
Second-class enterprise problems: the company has a certain investment, but the company system is imperfect, the finance is unclear and the operation risk is high. Methods: First of all, the enterprise must be integrated to make its system perfect and its finance clear.
Secondly, if you lack your own assets, you can make a loan through "factoring business", that is, with the help of the reputation of the enterprise that has a debt relationship with you. Thirdly, you can also use a lot of funds provided by enterprise suppliers to revitalize the cash flow of enterprises.
2. What is the basis of successful loans for small and micro enterprises?
1, behave yourself and never deviate.
As an operator of small and micro enterprises, we must attach importance to the market value of integrity, and strive to establish the external integrity image of enterprises from now on. We must behave ourselves, operate legally, never deviate from the rules, be clever, and keep our promises. The integrity image of enterprises will accompany you for life and bring you unexpected wealth. 2, steady and steady, step by step to win.
In order to live within our means, we should first calculate the profit point and repayment ability, and don't ask for a loan of 2 million yuan for the capital of 500 thousand. The loan period is also realistic. Don't guarantee the money that can be repaid in one year: "Six months is enough".
In addition, the limited funds should focus on the main business, and do not require all-round flowering, all-round results, and eating into a fat man. 3. Grasp the tools and use them flexibly.
Facing the trend of economic globalization, it is not enough for operators to understand their own products, but also to learn financial and fiscal knowledge, be familiar with financial tools and operate financial products flexibly. For example, there are various types of bank loans, such as movable property and real estate mortgage loans, patent intellectual property mortgage loans, factory equipment mortgage loans, natural person property mortgage or guarantee loans, export tax rebate mortgage loans, and standard warehouse receipt mortgage loans.
For import and export enterprises, they can also use various kinds of bank trade financing flexibly, such as bill discount, letter of credit, buyer's credit, letter of guarantee and so on. There are also many channels for enterprise financing, including direct financing and indirect financing.
For direct financing, science and technology enterprises can strive for national innovation fund funding and interest subsidies; Can also absorb partners, equity participation, strong alliance. For indirect financing, if it is necessary to acquire large-scale equipment, it can engage in financial leasing; If short-term funds are in short supply, you can adjust your position at the pawnshop.
4. Look for a family and make friends to the end. Some enterprises mistakenly believe that making friends with banks is convenient for borrowing in the future, so that they open accounts in more than a dozen banks.
Let's not talk about the "capital cost" of each account for the time being, but the "emotional cost" alone will make you cope with it. Enterprises should choose a nearby bank that you think serves well to open an account and settle accounts. This has the advantage of concentrating funds and settling accounts, so that banks can see that your trade is booming and your sincerity can be seen.
The more you let the bank know about you, the more you can make friends and even become a friend in need. The bank knows everything about you and is willing to help you at a critical moment.
As an operator, it is necessary to put an end to all kinds of malpractices in business and establish integrity in order to get the support of banks and society.
3. What are the precautions for small and micro enterprise loans?
Small and micro enterprise owners with complete materials should first prepare the necessary basic materials and apply for loans at the bank. The bank will conduct on-site investigation according to the materials, inquire about the company's settlement amount, daily average deposit amount and the credit status of shareholders, and determine the amount of loans. Subsequently, the staff will declare in the bank, and if the declaration is passed, the loan can be issued.
With complete documents, a credit loan can be completed in about 10 working days. Basic information includes business license, organization code certificate, tax registration certificate, articles of association, loan card and account opening permit (the latter two can be handled at the People's Bank of China).
Money needs to be used for enterprise operation but not for fixed investment. In fact, in order to reduce risks, banks have taken a series of measures. For example, in the loan conditions, the bank stipulates that once the money problem occurs, the business owner will be jointly and severally liable. When making a loan, the business owner has to show the real estate information to determine the strength of the enterprise, although the real estate is not needed as collateral.
In addition, banks have also imposed restrictions on the use of loan money. According to bank regulations, money needs to be used for enterprise operation, not for fixed investment, let alone for buying stocks.
If the bank approves the loan, it will also monitor the account and take measures once the money problem is found.
4. What should we pay attention to in small and micro enterprise loans?
1。
Select the "counterpart" bank. Due to the practical problems of asymmetric information, lack of guarantee, high transaction cost and high risk coefficient in the loan business of small enterprises, many large banks are extremely "harsh" on their loans.
However, there are also some characteristic banks that will focus on small and micro enterprise loans and help small enterprises grow together through differentiated services. For example, in the case, the city commercial bank innovated the "three products and three tables" of "character, product and collateral" and "water meter, electricity meter and customs report" through the sinking service such as dicing operation and fixed-point appointment, which effectively solved the problem of risk control in micro-credit
2。 Choose the right loan product.
In the initial development period, small enterprises not only receive orders and store goods with irregular frequency, but also purchase quantity, quality and price. In addition, they lack effective collateral and guarantee methods. Therefore, some conservative normalized loan products do not meet the needs of such small business owners in terms of loan conditions, approval time and repayment constraints. Therefore, in view of the "short-term, frequent and urgent" loan demand, small business owners should try their best to choose flexible, efficient and fast loan products to meet their own financing needs. For example, the bank's credit cards, e-commerce loans, lump-sum loans and other products are tailor-made for small business owners.
3。 Long-term cooperation.
When a bank accepts a loan application from a small enterprise, it will conduct a detailed understanding and investigation on the operating conditions, assets and liabilities, and development trend of the enterprise, fully grasp the enterprise dynamics, and conduct risk control management through various investigation techniques. If the enterprise cooperates with the bank for a long time, the bank can grasp the financial situation of the enterprise, understand the enterprise information, loan credit and capital flow, and save the time of pre-loan investigation.
5. What is a small and micro enterprise loan?
Personal business loan refers to the loan issued by the bank to the borrower for the borrower to move, purchase or update business equipment, pay the rent of leased business premises, decorate commercial houses and other legal production and business activities.
The application conditions are as follows: (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan.
(3) Having a valid business license and a legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has good performance. (4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule.
(5) It has no record of bad credit and debt, and can provide mortgage, pledge or guarantee recognized by the bank. (6) Other conditions stipulated by the bank.
6. What should we pay attention to when lending to small and micro enterprises?
1 Good corporate credit is very important. As far as I know, banks will examine the credit situation of small and micro enterprises from four aspects: first, bank credit mainly depends on whether enterprises have illegal settlement discipline and fines in cash settlement business, and whether previous bank loans are overdue; The second is commercial credit, which mainly depends on whether the enterprise fulfills its contractual obligations according to regulations and whether it pays off its debts on time; The third is financial credit, which mainly depends on whether the financial statements are true and reliable; The fourth is tax credit, which mainly depends on whether the enterprise has a record of tax evasion.
If small and micro enterprises can be well realized in these aspects, loans will be relatively easier. 2. Choosing the right loan products At present, many banks have launched a series of loan products specifically for small and micro enterprises, but the requirements of different products are also very different. Therefore, when choosing loan products, business owners should compare them with many others and find the right one to improve their work efficiency.
3. Clarify the amount of loans needed. If the loan funds are insufficient, it will definitely restrict the development of enterprises, but too much loan funds will not only increase costs, but also waste resources. Therefore, borrowers must consider this issue before lending.
4. Determining the loan term It is very important to determine a reasonable loan term, because the longer the term, the more interest will be paid, so the borrowing enterprise needs to determine a reasonable loan term according to its own actual situation.
7. What are the steps for small and micro enterprise loans?
Investigation stage: applicants need to investigate which banks and institutions in their cities have loans for small and micro enterprises to see whether their own conditions are met, what kind of loans are in line with their own enterprises, the specific loan amount, term, requirements and preparation of application materials.
Preparation stage: After the investigation in the first stage, we have a certain understanding of the loan products for small and micro enterprises. At this time, we need to determine the banks and related products that we want to apply for loans, and prepare the application materials according to the requirements of the loan products. If you apply for a guarantee or mortgage loan, the applicant needs to apply for the corresponding mortgage property certificate or prepare the relevant materials of the guarantor at this stage.
Application stage: you can apply to the bank after you have prepared the information. At this stage, it is necessary to fill in the application form, submit the application materials and prepare the loan card according to the requirements of the bank.
The bank will review the information you submitted, and inform the applicant how the application has passed. Processing stage: entering this stage indicates that the applicant has completed the loan application.
Applicants need to sign a guarantee contract with the guarantor, a loan contract with the bank, and different types of contracts such as property mortgage contract and loan use certificate. After the bank implements the loan conditions, it goes through the loan procedures according to the prescribed procedures and transfers the loan funds to the account opened by the borrower in the bank.
Repayment stage: this stage means that the applicant needs to repay the loan on time and according to the contract. Whether it is an enterprise or an individual, it is necessary to have a sense of repayment on time, because breach of contract will have a negative impact on their credit records, and it will have a negative impact on the related financial business in the bank later, which is not worth the candle.
What are the auto financing company loans? Detailed description of Volkswagen's six major loan schemes
At present, there are mainly three ways of auto loan: bank application loan, auto finance company loan and other ways loan. All well-known auto brands of auto financing companies basically have their own auto financing loans. For example, the GM brand has GM Finance. Ford brand has its own Ford auto finance. Volkswagen has Volkswagen's auto finance. So which of these auto financing companies' loan schemes is more cost-effective?
Let's take Volkswagen as an example to introduce the detailed loan scheme of the auto finance company in detail.
the public
Volkswagen Finance Company mainly provides six financial schemes, covering all models of FAW-Volkswagen, Shanghai Volkswagen and imported Volkswagen. The six schemes are standard credit, flexible credit, privileged balanced loan, exquisite easy loan, super "leap" loan-standard credit and super "leap" loan-flexible credit. The following is a specific introduction.
Standard credit: it belongs to the traditional loan scheme, that is, down payment plus fixed monthly repayment, which is simple and easy to operate. Consumers can install the loan contract to pay the down payment (starting from 20%), and the loan period is up to 5 years; The consumer shall pay the equal monthly payment within the loan term (12~60 months) according to the loan contract.
Flexible credit: it is an innovative credit product, with controllable flexible balance besides down payment and monthly payment. In addition to the down payment (starting from 20% of the total car price) and the equal monthly payment, it also has an elastic balance payment of 25% of the loan amount, and the loan period is 12 to 48 months. The payment method of flexible credit reduces the monthly payment of consumers, and also gives consumers more choices when the loan contract expires, such as: paying off the elastic balance in one lump sum and obtaining complete car ownership; Extend the elastic balance and apply for a second loan; With the help of the car dealer, replace the new car with the used car.
Enjoy balanced loan: it is also a brand-new loan method for Volkswagen, with a down payment of 50%, a loan term of 12 months, and the final payment of 50% of the car price in the last month. This product is suitable for consumers who are short of funds in a short period of time, during which customers only bear a low monthly payment. At the end of the repayment period, in addition to paying off the final payment at one time, consumers can also choose to replace the new car or extend the final payment.
Linglong easy loan: it belongs to low down payment and low monthly product. The down payment is 30%, the loan period is 36 months, and the elastic balance payment of 35% of the car price is paid in the last month. At the end of the repayment period, in addition to paying off the final payment, customers can also choose to replace the new car or extend the final payment.
Super "leap" loan-standard credit: the advantage lies in simple procedures (an ID card and a loan application form). The down payment of this product is not less than 65% of the car price, the loan period is 12~36 months, and the equal monthly payment is paid. Consumers can reply within 2 hours after applying for this product, and lend money within 24 working hours. Suitable for people who just need and want to pick up the car quickly.
Super "Leap" Loan-Flexible Credit: The advantage is the same as that of the previous product, and the same is that the procedures are simple. Consumers only need ID cards and fill in the loan application form to apply. The down payment shall be no less than 65% of the car price, and the ultra-low monthly payment shall be paid, and the full loan amount, that is, the final payment, shall be paid in the12nd month.
Let's take the golf comfort model as an example. The official guide price of the naked car of this model is 10,000 yuan, so as to calculate and compare the various schemes.
be in common use
As one of the earliest companies involved in automobile finance, Shanghai GM has formed a mature system in providing financial services to consumers. SAIC-GM not only covers Buick, Chevrolet and other brands, but also provides loan services for other brands, such as Wuling, Baojun, Chang 'an and Great Wall. SAIC-GM Finance mainly provides five loan schemes: equal repayment, equal principal repayment, worry-free smart loan, smart repayment, and segmented repayment. The following are specific introductions. be in common use
Equal repayment: that is, within the loan period, the repayment amount of each installment is the same. The loan term is 12-60 months, and the down payment is as low as 20%. According to the personal qualifications of consumers and the models purchased, the exclusive scheme is designed.
Equal principal repayment: that is, during the loan period, the repayment amount of each installment will gradually decrease. The loan term is 12-60 months, and the down payment is as low as 20%. According to the applicant's qualification and the car type purchased, an exclusive scheme is designed.
Worry-free smart loan: commonly known as "half loan, half payment", 50% repayment at the end of the loan period. At the same time, at the end of the loan period, you have three options, namely, paying off the final payment in full, applying for 12 month extension and replacing used cars.
Smart repayment: the loan is divided into two parts, the first and the last. At the end of the loan period, there are three options: paying off the wisdom balance in full; Apply for 12 month extension; Used car replacement. Suitable for groups whose income will have a large amount of extra income in a certain period of time and whose consumption attitude is avant-garde.
Repayment by stages: divide the loan into several stages, and each stage contains several repayment periods; In each single segment, the total repayment amount of each period is different; At the end of the loan period, there are two options: paying off the final payment in full; Used car replacement. Suitable for groups with large and relatively regular cash flow fluctuations.
Let's take the Buick New Excelle manual classic as an example. The official guide price of this model's bare car is 10,000 yuan, so as to calculate and compare various schemes.
How does Changzhou Loan Company borrow money?
There are three main loan schemes, one is personal credit loan, the other is personal mortgage loan, and the third is individual.
1, personal credit loan
Applicable target: high-income people.
Skill trick: obtain large bank loans with good personal credit and high monthly income.
Scheme introduction: Personal credit loan requires that there is no bad credit record in the borrower's personal credit report. On this basis, the bank determines the loan amount according to the borrower's monthly income. Generally speaking, the loan amount is about 10 times of the borrower's monthly income, up to 15 times. In other words, the higher the income, the easier it is to obtain large bank loans.
2. Personal mortgage loan
Applicable object: people with mortgage.
Skill trick: obtain a large amount of bank loans with assets mortgaged in my own name and that of a third party.
Scheme introduction: Personal mortgage loan requires the borrower to provide collateral as a guarantee. Generally speaking, assets that can be used as collateral include real estate, land use rights, cars, machinery and equipment, etc. The bank mainly determines the loan amount according to the assessed value of the collateral. In other words, the higher the assessed value of collateral, the higher the loan amount.
3. Individuals
Applicable object: people with pledge.
Skill trick: obtain a large amount of bank loans by pledging assets in my own name and that of a third party.
Scheme introduction: Individuals require borrowers to provide collateral. Assets that can be pledged are mainly government bonds, promissory notes, certificates of deposit, gold and insurance policies. The bank mainly determines the loan amount according to the cash value of the pledge. In other words, the higher the cash value of the pledge, the higher the possibility of obtaining a large loan from the bank.
Repayment in advance is generally divided into two ways: partial repayment in advance and full repayment in advance.
Depending on the repayment method, the borrower can choose to reduce the term or the amount. It is understood that at present, most banks can provide five ways to repay loans in advance for customers to choose from.
First, all loans are repaid in advance, that is, the customer will pay off all the remaining loans in one lump sum. (There is no need to repay the interest, but the interest paid is not refundable)
Second, part of the loan will be repaid in advance, and the remaining loan will keep the monthly repayment amount unchanged, thus shortening the repayment period. (saving more interest)
Third, part of the loan will be repaid in advance, and the monthly repayment amount of the remaining loan will be reduced, keeping the repayment period unchanged. (Reduce the monthly payment burden, but save less than the second one)
Fourth, part of the loan will be repaid in advance, and the monthly repayment amount of the remaining loan will be reduced, and the repayment period will be shortened. (saving more interest)
Fifth, the remaining loans keep the total principal unchanged and only shorten the repayment period. (The monthly payment is increased, and some interest is reduced, but it is relatively uneconomical)
This is the end of the introduction of the company loan scheme and how to design the company loan scheme. I wonder if you found the information you need from it?