For example, in the case of micro-enterprise credit loans, it is usually in the hundreds of thousands to millions. If you apply for mortgage loans, especially factories and land, the amount of approval will be higher.
Small and micro credit refers to the credit business of small and micro enterprises. Because the credit demand of small and micro enterprises has the characteristics of "short, small, frequent and urgent", its small, short-term and scattered characteristics are more similar to retail loans. They have higher requirements for liquidity.
The mainstream feature of micro-credit is management, commonly known as "Qian Shengqian". In other words, people take this money more for making money than for spending and playing. Most families and individuals like to rely on this capital to support themselves, give their families a better life and development, and change their destiny.
There are mainly the following loan application methods for small and micro enterprises, and the amount of each method is different, which needs the business owners to choose according to their own abilities.
(1) tax loan
Apply for loans according to the tax amount of the enterprise in the last three years, and the minimum annual tax amount in that year is more than 20 thousand; The loan term is generally 1-3 years;
(2) Bill loan
Apply according to the annual invoice amount of the enterprise, with a minimum annual invoice sales of more than 2 million; Loan term: 1-3 years; Loan amount: 6.5438+0-3 million yuan; Annual loan interest rate: 10-20%.
(3) secured loan
The enterprise itself has a certain amount of running water and actual sales, so find a company or individual with real estate in Shanghai or a company with a long history as a guarantor; Loan term: 6- 12 months per cycle; Loan amount:1-100000 yuan; Annual loan interest rate: 8%- 15%.
(4) Current loans
According to the loans issued by banking enterprises, these loans are divided into bank loans and institutional loans, and the interest of the two loans is different. Loan term: 1-3 years; Loan amount: the loan amount of a bank is generally10-20 million; The loan institution's quota is generally10-500,000; Annual interest rate of loans: If an enterprise's bank has related businesses, the general interest rate is 7- 12%, while the interest rate of lending institutions is higher, with the monthly interest rate mostly exceeding 1.5%.
(V) Enterprise Credit Granting
Judging from the comprehensive situation of banking enterprises, it is relatively difficult for SMEs to apply for credit. Loan term: 1-8 years; The loan amount is based on the annual interest rate of different banks: 7- 12%. There may be other requirements, such as deposit refund, certificate of deposit pledge, etc.