If it is a corporate mortgage loan, the maximum loan amount is about 2 million yuan.
Lending institutions will review the application materials submitted by loan enterprises, thus giving corresponding loan quotas.
Enterprise loan 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.
Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into:? Liquidity loan, fixed assets loan, credit loan, secured loan, stock pledge loan, foreign exchange pledge loan, unit time pledge loan, gold pledge loan, syndicated loan, bank acceptance bill, bank acceptance bill discount, commercial acceptance bill discount, buyer's or agreement interest-bearing bill discount, domestic recourse factoring, and export tax rebate account custody loan.
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 loans and technical transformation loans:
1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.
2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.
Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Enterprise loan term: generally 1-2 years, and enterprise loan amount: 1 10,000 ~ 500,000 yuan.
Basic requirements:
1, legally operated SMEs? .
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.
Working capital loans can be divided into credit loans, third-party secured loans, mortgage loans and pledge loans according to their different guarantee methods.
According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, pledge loans, secured loans and credit loans, which are used to solve the development needs of securities companies such as the purchase of fixed assets and the decoration of business departments.