In 2022, the operating loan was 6,543,800 yuan, and the interest was 4,600 yuan. The operating loan policies of banks in 2022 are as follows:
1, (1) High-quality small and micro enterprises with complete business licenses for half a year or more, large business flow and low debt. The loanable interest rate is 3.85% to 4.5%.
2.(2) The company has been established for a short time, its operating ability is average, and its banks have little running water, so it can apply for an interest rate of 4.6% to 6%.
3.(3) Commercial loans are divided into personal commercial loans and corporate commercial 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. 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.
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.
What is the operating loan interest rate of Bank of Communications?
The national benchmark interest rates are as follows:
1. Annual loan interest rate within one year: 4.35%.
2. The annual interest rate of one to five-year loans: 4.75%.
3. Annual interest rate of loans with a term of more than five years: 4.90%.