Of course. Business loan requirements: the applicant is an enterprise legal person with civil capacity, and the shareholders of the company meet the requirements, and the shareholders of the company can operate loans. Operating loans are operations that banks issue to individual industrial and commercial households or small and micro enterprises.
Second, what are the risks of mortgage loans?
First of all, answer directly.
The risk of operating mortgaged real estate mainly depends on the borrower's repayment ability and the operation of the enterprise.
Second, the specific analysis
Mainly depends on the market environment, operation, good brand management and consumer awareness.
In essence, running anything is risky. If you want to mortgage your house and run a business, in this case, the borrower needs funds to support the operation of the business in addition to repaying the loan every month.
In this way, the risk is still relatively large.
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3. How many years can a commercial mortgage property be loaned?
From the actual situation, if the borrower wants to mortgage his house and apply for a business loan in the bank, he can apply for a loan term of 10 at the highest.
However, considering the business risks of enterprises, most banks are only willing to provide 1-3 years in stages.
If the borrower's business is well run, the bank can provide 5- 10-year installment payment to expand the business.
Of course, it also depends on the borrower's operating conditions and the value of collateral.
It is suggested that borrowers should pay attention to the specific contents such as the threshold of loan application and loan interest rate when applying for mortgage loans, and estimate their repayment ability.
Third, the shortcomings of operating loans?
1. The threshold for applying for bank loans is high.
Although the bank has abundant funds and strong background, it costs 9 Niu Yi dollars for enterprises to apply for a little corporate loan. However, it is not so easy for enterprises to get loans from banks. Under normal circumstances, the control of bank credit risk is very strict, which often requires high qualifications, credibility and repayment ability of enterprises. As long as one item fails to meet the requirements of banks, enterprises may not be able to obtain loans from banks, which is why it is so difficult for banks to apply for corporate loans.
2. Slow loans take a long time.
It often takes a long time to apply for a commercial loan in a bank, as short as 40 days a month, so people who are in urgent need of funds often cannot be satisfied.
3, lax audit is easy to be refused loans.
In order to reduce the risk of bank loans, banks will strictly examine every loan, especially the personal loan qualification, credit standing, liabilities, bank liquidity and so on. Do not meet the requirements of the bank, you can decide to lend.
IV. Details of advantages and disadvantages of corporate bank loans (more is better).
The advantages of bank loans are: low risk, low interest rate, formal handling and long loan life; Disadvantages are: there are relatively many procedures for credit reporting and the requirements are high.