Difficulties are problems faced by many enterprises. In fact, there are many types of corporate loans that can be applied for, and different collateral needs to be provided. Today, we will introduce it. Everyone can choose freely according to their own needs.
1. enterprise credit loans enterprises refer to bank loans obtained by enterprises on the basis of their operation and credit without providing collateral. Like personal credit loans, this method is convenient and fast, but relatively speaking, the auditing conditions of banks are stricter, the daily average demand of banks for loan enterprises is higher, and the loan cycle is longer than that of corporate mortgage loans. The average loan term in enterprise credit loans is 1-3 years, and the loan interest rate rises by 20%-30% on the basis of the benchmark interest rate. 2. With the tax credit loan, many areas now have the tax on products applying for loans. The financial product encourages business owners to pay taxes according to law and obtain corresponding loans with tax credit rating. Moreover, the higher the tax credit, the lower the loan interest rate. 3. Enterprise mortgage loan is a common way for small enterprises to operate loans. Generally, you apply for a loan from the bank by mortgaging the property. Collateral is usually the real estate or factory building under the name of the enterprise, and the loan amount can generally reach about 70% of the real estate assessment value. The bank's loan approval process is relatively fast, and the general cycle is about one month. The loan term is 1-5 years, and the interest rate rises by about 20%-30%. 4. Merchant Joint Guarantee Merchant Joint Guarantee refers to a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship business owners, who can apply for loans from banks without other guarantees. Under normal circumstances, the maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas), the loan period is 654.38+ 0-3 years, and the interest rate rises by about 20%-30%.
2. What are the types of corporate loans?
1, credit loan. This is a loan without mortgage guarantee. The application of this kind of loan depends on the credit of the enterprise, and the lending institution depends on the credit of the enterprise owner and the tax level of the enterprise. Advantages are simple handling fee, quick approval and quick loan. But this kind of loan is risky, low in amount and short in term.
2. Mortgage loan. To handle this kind of loan, you need to provide collateral for guarantee, the amount is relatively large and the term is relatively long, such as the right to use construction land, production equipment, raw materials, semi-finished products and products. It should be noted that if loans overdue is mortgaged, the collateral can be auctioned by the lending institution to recover the loan.
3. Guaranteed loan. If the enterprise's qualification is not particularly good and does not want to be refused a loan, you can find a third party with compensatory ability to make a secured loan for the enterprise. The fate of this loan guarantor and the borrower are linked together. If both parties can repay the loan on time and live in peace, if the borrower is overdue, the guarantor will also be implicated, especially the joint liability guarantee, and the borrower must repay it.
Three. Types of corporate loans
Hmm. . . This question is a bit macro, so I will simply answer it, hoping to help you:
Working capital loan,
Fixed assets investment loans,
Project investment loan (of course, this loan threshold is the highest, and general projects will forget it),
There is also a small enterprise loan specifically for small enterprises (this kind of loan is supported by the current national policy, with low threshold and flexible loan methods).
4. A detailed introduction to the 12-level classification of loans (in Chinese and English)?
In fact, it is the five-level classification in subdivision. . .
System Overview _ _ Five-level (Twelve-level) Classification Definition
Normal loan:
Normal: The debtor can perform the contract, and there is no sufficient reason to suspect that the loan principal and interest and other debts (including contingent debts) cannot be repaid in full and on time. (divided into four grades: excellent-normal level; Excellent-normal level 2; Sub-optimal-normal level 3; Excellent-Normal Level 4)
Concern: Although the debtor has the ability to repay the loan principal and interest and other debts at present, there are some factors that may adversely affect the repayment of debts. (divided into three levels: general attention-attention level; Focus-focus on the second level; Special attention-attention level 3)
Non-performing loans: second-best: the debtor's solvency has obvious problems, and it can't fully repay the loan principal and interest and other debts by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses. (divided into two levels: poor-second level; Poor-suspicious: the debtor can't repay the loan principal and interest and other debts in full, even if the guarantee is implemented, it will definitely cause heavy losses. (divided into two levels: very poor-suspicious level; Extremely poor-suspicious Grade II loss: after taking all possible measures or all necessary legal procedures, the loan principal and interest and other debts can not be recovered, or only a very small part can be recovered.