I. If it is a financial leasing company with less self-owned funds:
1. If you don't need investors, you need to find a bank for factoring. It is possible for the general interest rate to rise by 5%~30% on the basis of the bank interest rate. For example, the current interest rate of a three-year loan is 6.9%, so the interest rate after factoring is between 7.245% and 8.97, but this is only the cost of the financing company. Considering the operating costs and profits, the interest rate will be 60% when it comes to customers.
2. If there are investors, because the return on investment needs to be considered, if the investor's requirement for funds is 65,438+00%, then it is normal for the financing cost to be 65,438+05% ~ 20% at the client.
Second, if it is a financial leasing company with more self-owned funds, such as a listed company or a banking leasing company, the interest rate cost is low, but it often operates large-scale projects, such as aircraft and ship leasing. For projects that are closed for three years and open for three years, the interest rate depends on the specific situation.
Third, the characteristics of the manufacturer leasing company are that the financial leasing income is not the main business income, but pays more attention to the sales of its own products, so the interest rate is also low, but it is still not lower than the bank interest rate. At present, it is about 8%~ 12%, and the most common industry in China is construction machinery.