Hello, regarding the company loan, please consult and verify with the bank where the company opens an account. Thank you for your concern and support for the business of ABC!
(Answer time: 0,2022. In case of business changes, please refer to the actual situation. )
Use of loans
The purpose of the loan refers to the specific destination of the loan. It reflects which aspect of capital demand the loan is used to solve in production and business activities, which production factors the loan is combined with, and which part of the reproduction process the loan is used for.
I. Use of corporate loans:
The current loan is mainly used for the capital demand of inventory and fixed assets renovation. From the liquidity point of view, industrial enterprise loans are mainly used for raw material reserves, in-process products and finished goods inventory capital needs. Commercial enterprise loans are mainly used for the capital needs of commodity inventory and the capital needs of industrial and commercial enterprises in the process of commodity sales. From the point of view of fixed funds, it is mainly used for the capital demand of enterprise's technological progress and equipment renewal, the capital demand of enterprise's new construction, transformation and expansion, and the capital demand of enterprise's scientific and technological development (including part of working capital). In the field of consumption, it is mainly used for the capital demand generated by the purchase of civil commercial housing and automobiles.
Two. Personal loan purpose:
What is the purpose of personal loan?
When encountering financial problems, many people will choose to apply for personal loans. So, what is the purpose of personal loan? I'll introduce it to you today.
[If! SupportLists] 1, [endif] Personal consumption loan refers to the behavior that citizens with certain income apply for a loan from the bank for the purpose of consumption, provide certain guarantee, repay the loan at maturity and pay interest. It mainly includes: personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal travel loans, automobile consumption loans and other business varieties.
[If! Support list ]2. [endif] Personal comprehensive consumption loan refers to the loan that banks give to individuals without specifying specific purposes in order to further meet their increasingly diversified consumption needs.
[If! Support list ]3. [endif] Credit card overdraft loan means that when the credit card account balance is less than the amount needed for consumption or shopping, the credit card holder automatically gives the required loan amount according to the limit agreed by the bank and the cardholder in advance.
[If! Support list ]4. [endif] Personal housing loans refer to loans issued by banks to borrowers for purchasing ordinary housing for their own use.
[If! Support list ]5. [endif] Individual refers to the loan that the borrower provides the corresponding pledge to the bank as a guarantee according to the loan amount. When the borrower's cash flow is insufficient to repay the loan, the bank will exercise the right to dispose of the pledge.
6. Personal credit loans refer to RMB credit loans issued by banks or other financial institutions to borrowers with good credit without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.
Copyright statement: This article is taken from the online article: the use of loans.
What is the general purpose of corporate loans?
Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. It refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation.
Basic requirements for enterprise loans:
1. Small and medium-sized enterprises registered in Shanghai.
2. Hold a loan card issued by the People's Bank of China, and have no bad credit record.
3. The company has been registered and operated for more than 3 years, with an annual turnover of more than 3 million in the latest year.
Extended data:
Loan method:
1. Credit loan refers to the loan issued by the bank with the credit of the borrower, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.
2. Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.
According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan.