In order to support the expansion of domestic consumption, individual entrepreneurship and the development of small and micro enterprises, the state has provided more preferential loans for consumer loans and personal business loans, so personal business loans may become the "new darling" of the strategic transformation of banks. For many newborns in this market, I don't know much about it. Let's explain in detail what commercial loans mean.
Personal business loan is a loan with the property of an enterprise legal person or shareholder as collateral and the funds obtained for enterprise operation.
This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate.
Advantages:
1, and the loan amount is high, up to 70% of the real estate appraisal value;
2. Pay interest quarterly and repay the principal in one lump sum;
3, according to the actual amount of interest;
4. The use of the loan is not limited, and no proof of consumption is required;
5. The procedure is quick and simple, and the loan can be approved within 5- 10 working days.
Its business characteristics mainly include: high loan amount, long term, many guarantee methods and revolving loan function.
Enterprise commercial loan is a financing product serving small and medium-sized enterprises, micro-enterprises and private owners. Helping borrowers to finance has the advantages of short loan approval time and flexible repayment method. The so-called operating loan is a loan issued by a bank to an enterprise as a legal person for operating the company's working capital. The service targets are mainly small and medium-sized enterprises that temporarily fail to meet the bank loan access standards due to factors such as irregular financial management and substandard credit rating, but are in good operating condition.
1. Enterprise loan conditions
(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 legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has a 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) Having no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by the bank.
(6) Other conditions stipulated by the bank.
2. The borrower shall provide commercial loan information.
(1) ID card, household registration book and marriage certificate of the borrower and spouse (if single, unmarried certificate shall be issued at the Civil Affairs Bureau).
(2) proof of assets (such as real estate, cars, etc.). ).
(3) Proof of repayment ability such as personal or family income and property status.
(4) Business license, tax registration certificate, organization code certificate, articles of association, etc.
(5)6 months of financial statements and tax returns.
(6) Other information required by the bank.
3. The maximum loan amount of an enterprise is 70% of the appraised value of loanable assets.
4. The term of enterprise loan stipulated by the bank is 1~3 years.
5. The expected annualized interest rate of corporate loans is now the expected annualized interest rate of bank loans stipulated by banks.
6. Repayment methods of enterprises
(1) If the loan term is within 1 year (inclusive), the repayment method of monthly or quarterly repayment of interest or one-time repayment of principal at maturity can be adopted.
(2) If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest monthly or according to the average capital.
7. Enterprise loan process
(1) The borrower applies for a loan at the bank with relevant information.
(2) The bank conducts pre-loan investigation and evaluation, investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral and guarantor, and forms an evaluation opinion.
(3) With the approval of the internal review of the bank, both parties reach an agreement on the terms of the loan contract, mortgage contract and guarantee contract, and the parties sign the contract.
(4) The Borrower handles the mortgage registration and other relevant procedures agreed in this Contract.
(5) After the mortgage registration is completed, the relevant information will be handed over to the bank for lending.
Personal unsecured commercial loans are relatively easier to apply for. The advantages of personal business loans are low threshold, easy application and fast processing time. Of course, personal commercial loans are slightly less than commercial loans in terms of loan amount, but due to its advantages such as convenient application, personal unsecured commercial loans are still one of the mainstream ways of commercial loans.
Operating loans refer to loans issued by commercial banks to meet the normal capital needs of industrial and commercial enterprises in their business activities. Including industrial and commercial loans, agricultural loans and real estate mortgage loans.
Editor's note:
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. Among them, personal business loans are used for borrowers to buy or lease commercial houses, machinery and equipment, and the repayment source is mainly 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 loan amount
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, the maximum amount of personal business loans of CCB is 6.5438+million, and the maximum amount of personal business loans of ICBC and BOC is 3 million? Therefore, borrowers with large capital needs must "shop around" when choosing a loan bank.
What does operating loan mean?
Commercial loans are special loans that can only be used for business, generally only for small and medium-sized business owners or individual industrialists. If the borrower wants to open a shop or start a small and medium-sized enterprise, but does not have enough funds at hand, he can apply for a business start-up loan. Operating loans are loans that create more opportunities for ordinary workers and promote economic development. Its loan interest rate is lower than that of ordinary bank loans, and the minimum annual interest rate can reach 3.85%.
Want to apply for operating loans, generally need to meet the following conditions:
1. Applicant 18 years old or above, with full capacity for civil conduct.
Second, the credit record is good.
3. Open a personal settlement account in a loan bank.
Fourth, the operation is in good condition.
Five, the product has good market prospects and good economic benefits.
6. Having a fixed business place.
7. Being able to provide bank-approved guarantee.
After the operating loan is issued, the bank will continue to monitor the flow of loan funds. Once illegal use is found, the bank has the right to ask the user to pay it off in one lump sum.
What is the meaning of operating loans _ How to handle operating loans?
What does commercial loan mean? Commercial loans are divided into personal commercial loans and corporate loans. Personal business loan is a loan with the property of an enterprise legal person or shareholder as collateral and the funds obtained for enterprise operation. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose the operating institutions of personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low personal loan non-performing rate.
Business loan is a financing product that serves small and medium-sized enterprises, micro-enterprises and private owners. It helps borrowers to finance, and has the advantages of short loan approval time and flexible repayment methods. The so-called operating loan is a loan issued by a bank to an enterprise as a legal person for operating the company's working capital. The service targets are mainly small and medium-sized enterprises that temporarily fail to meet the bank loan access standards due to factors such as irregular financial management and substandard credit rating, but are in good operating condition.
How to handle commercial loans?
1. According to relevant regulations, small and medium-sized enterprises must be formal enterprises to apply for business loans. In a word, enterprises must pass the examination and approval of the State Administration for Industry and Commerce and the annual inspection registration.
2. When small and medium-sized enterprises apply for operating loans, the company should also have a very perfect operating system and management system. Companies in the field of financial management need to be very orderly, with clear internal structure and complete personnel in each position.
3. When SMEs apply for operating loans, they are in good operating condition and have sufficient ability to repay loan financing. When applying for a bank loan, the loan shall not exceed China's debt-related standards. In addition, the reputation of the company or enterprise is very important, because only in this way can the SMEs applying for loans be guaranteed to succeed.
What's the interest rate for operating loans?
Small and medium-sized enterprises will inevitably encounter problems, so most people will choose to apply for commercial loans from banks for business operations. When you apply for a loan, you must be most concerned about the interest rate. If the interest rate is too high, people are reluctant to choose this bank. So what are the operating loan interest rates of major banks? The following contents are inquired by Fatu Bian Xiao for you.
At present, the benchmark interest rate for one-year loans is 7.47%, and banks have different interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark interest rate. But it is also divided into customers. For high-quality customers of banks, a lower standard interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%.
I. China Construction Bank:
Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. Caitong's loan methods include guarantee, mortgage and mortgage guarantee, which can be enlarged to 65,438+000 _, 90% of commercial loans (guarantee companies or individuals can guarantee) and 80% of factory buildings. The maximum loan is100000 yuan, and the interest rate rises by 20_. In addition, the annual fee 1.5_ is charged according to the loan term, and it is charged at one time. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.
Auxiliary loan: the net loan value is 70%, which cannot be added. If the interest rate rises by 20_, an annual fee of 1.5_ will be charged at one time.