1. The charging standard of the loan guarantee company can be implemented at 50% of the bank's loan interest rate for the same period.
Opinions on strengthening the construction of credit guarantee system for small and medium-sized enterprises Article 7 In order to promote the sustainable development of guarantee institutions, the guarantee rate of guarantee institutions mainly engaged in loan guarantee for small and medium-sized enterprises should be linked to their operating risk costs.
The benchmark guarantee interest rate can be 50% of the bank loan interest rate in the same period. The specific guarantee rate can fluctuate by 30%-50% on the basis of the benchmark rate according to the risk degree of the project, or it can be independently agreed by both parties after being approved by the supervision department of the guarantee institution.
2. During the negotiation, both parties may consider factors such as the degree of project risk. According to Article 19 of the Measures for the Administration of Financing Guarantee Companies, the financing guarantee rate shall be determined through consultation between the financing guarantee company and the guaranteed party.
Financing guarantee companies that are included in the risk sharing mechanism of financing guarantee promoted by the government shall reduce the financing guarantee rate for small and micro enterprises and agriculture, rural areas and farmers in accordance with relevant state regulations.
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What are the insurance premiums of guarantee companies?
1, handling fee. This part of the cost is subsidized by the guarantee company to ensure the smooth handling of the whole process for customers, including the process expenses such as information fee, building redemption fee, bridge crossing fee and short discount fee. The guarantee company should handle every process well, which is of course the foundation of the guarantee company.
2. Risk reserve. As the saying goes, "liquidated damages". Guarantee business is a high-risk business. In order to make up for the possible losses caused by the operation of the guarantee business, the customer may default in the middle of the negotiation, and the procedures previously done by the guarantee company will be burned. Therefore, the liquidated damages are paid on the premise of mutual recognition.
3. Reasonable profit. If a guarantee company is an independent economic entity, it must pursue profits. Without profit, no one will invest in the guarantee company, and it is impossible for the guarantee company to achieve sustainable operation. Therefore, the guarantee fee charged by the guarantee company should include a reasonable profit level.
When a guarantee company provides guarantee for other debtors, it may require the debtors to pay a certain guarantee fee. If this expense cannot be recovered later, the guarantee company needs to make provision for bad debts. According to the regulations, when a guarantee company guarantees, the balance of guarantee liability shall not exceed 10 times of its net assets.
Second, how do guarantee companies charge for guaranteed loans?
The state has no quantitative regulations. The following are guarantee companies with a quota of less than 5 million yuan and an annual guarantee rate of 5%. 2. The guarantee amount is100000 yuan, and the annual guarantee rate is 4%; 3. The annual guarantee rate is 3% for the part with the guarantee amount exceeding 6,543,800+million; 4. When each guarantee receives 2000 yuan, it shall be paid in a lump sum according to at least two items. After the enterprise has completed all the formalities, the bank will lend money.
People's Republic of China (PRC) Civil Code
Article 387 Where a creditor needs security to realize his creditor's rights, he may establish a security interest in accordance with the provisions of this Law and other laws.
The third party provides counter-guarantee for the debtor to the creditor. Counter-guarantee is appropriate
Article 394 Where the debtor or a third party mortgaged the property to the creditor in order to guarantee the performance of the debt and did not transfer the possession of the property, and the debtor failed to perform the mortgage right of the due debt, the creditor has the right to be paid in priority for the property.
The debtor or the third party specified in the preceding paragraph is the mortgagor and the creditor is the collateral.
Article 425 In order to guarantee the performance of the debt, the debtor or a third party shall mortgage its output to the creditor's due debt, or the creditor shall be paid in priority for the chattel.
The debtor or the third party specified in the preceding paragraph is the lender, and the delivered movable property is the pledged property.
Third, how do second-hand car guarantee companies generally charge?
The guarantee fee is generally between 1%- 1.5% of the loan amount, and multiplied by the loan term is the guarantee fee. For example, if you buy a car with a price of 654.38+ 10,000 yuan, with a down payment of 30% and a loan of 70,000 yuan a year, the required guarantee fee is between 700-654.38+0050 yuan.
4. How to charge the loan of the guarantee company in detail?
In order to promote the sustainable development of guarantee institutions, the guarantee rate is real for guarantee institutions mainly engaged in SME loan guarantee.
The method of linking banks with their operational risk costs. The benchmark guarantee interest rate can be 50% of the bank loan interest rate in the same period.
The rate can fluctuate by 30%-50% on the basis of the basic rate according to the risk degree of the project, or it can be the same as the rate of the supervision department of the guarantee institution.
The meaning shall be decided independently by both parties.
Since its establishment in 2006, Beijing Liuxing Wantong Guarantee Co., Ltd. has relied on its own strength and steady business style.
Good risk control ability and professional talents have become a lot in Beijing after strict assessment and evaluation by banks.
The best partner widely recognized by banking institutions. We have cooperation with all the major banks in Beijing.
The charging standards of guarantee companies are determined according to management fees, risks and reasonable profits. Generally speaking,
The situation is to charge a guarantee fee of 2% to 4% of the loan amount, which is generally paid in one lump sum after the bank approves the loan.
Guarantee company's
I once had an old customer, Mr. Zhang, who had borrowed money from our company before and needed money later. I heard from a friend that a company is a listed company.
The company's position was low, so I went to handle it, paid a deposit of 10 thousand, and changed banks for five months, but I didn't get any loans. really
I am in a hurry. Later, he came to me and asked me how soon I could get the loan. I said, "We have all worked together, and you know our strength."
Yes, it has been delayed for five months. They charge a little lower, because I am a small business, so I have to consider the loan cost, my friend.
I introduced myself and left. I don't know, I took me past the bank and pointed to the second floor of the bank to let me go up by myself. I was with you then.
Compared with the company, I think it's wrong. You are all special people to take us to the bank, and the consultant will sign the bank for us.
When the loan officer asked me some questions that I didn't understand or could not answer, your consultant immediately explained to me, but he
I can't wait any longer, so I came to see you today. I'm so worried! Hurry up! "
I said, "Don't worry, Mr. Zhang, I'll report your situation to the manager and open a green channel for you, first face-to-face and then once."
Prepare materials and submit them to the bank for approval. "Finally, we gave Mr. Zhang a loan as quickly as possible. Mr. Zhang said: It seems that greed kills people.
Dude, how much money have I made from you in the past five months?
At the same time, it is not excluded that some guarantee companies charge agency fees, mortgage registration fees, evaluation fees, notarization fees, information fees, etc. no
However, these fees are relatively low compared with the guarantee fees. It is recommended to find a formal guarantee company to apply, otherwise the cost of using funds will be higher.