Working capital loans are divided into temporary loans, short-term loans and medium-term loans according to the loan term.
(1) Temporary loan
Temporary loans refer to working capital loans with a term of less than 3 months (including 3 months), which are mainly used to make up for the shortage of other seasonal payment funds;
(2) Short-term loans
Working capital loans with short-term loan life (excluding 3 months, including 1 year) are mainly used for the normal production and operation turnover of enterprises.
(3) Medium-term loans
Medium-term loans refer to working capital loans with a term of 1 to 3 years (excluding 1 year, including 3 years), which are mainly used for the regular turnover occupation in the normal production and operation of enterprises and to lay the foundation for working capital loans. Working capital loans are divided into credit loans, third-party secured loans, mortgage loans and.
According to different purposes, working capital loans also include other types of loans of securities companies, mainly including real estate mortgage loans and certificates of deposit 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.
2. What are the types of personal business loans?
1. Personal commercial housing loans Personal commercial housing loans are RMB loans issued by banks to borrowers for the purchase of various commercial and business buildings. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans. 2. Personal business property mortgage business property: refers to the property that has been completed and accepted for office, retail, shops, industrial production and other purposes through commercial operations such as leasing. 3. Personal short-term commercial loans Personal short-term commercial loans: RMB loans granted to borrowers for the flow of production and business activities. 4. Personal Medium-and Long-term Commercial Loans Personal Medium-and Long-term Commercial Loans: Renminbi loans granted to borrowers for medium-and long-term capital needs such as fixed assets investment, project renovation, business premises renovation and working capital. 5. Personal small equipment loan Personal small equipment loan: it is a RMB loan issued to borrowers for purchasing small equipment (including engineering vehicles and commercial vehicles). ) needed in production and business activities. Conditions for individual industrial and commercial households: (1) Full capacity for civil conduct and local household registration; (2) Having a fixed business place or address in the local area, and having legal, stable and sufficient business income as the first repayment source; (3) Being able to provide legal, sufficient and easy-to-realize collateral; (4) Open a deposit account in a loan bank. Preparation materials: (1) original ID card, household registration book and a copy consistent with the original; (2) Provide the original and photocopy of the annual business license and tax registration certificate; (3) Relevant materials that can prove their lawful income; (4) Relevant materials that can prove their marital status; (5) Provide legal and sufficient collateral and evaluation report; (6) The mortgagor or pledger shall fill in the pledge in bank format; (seven) other information required by the bank. To sum up, there are four types of personal business loans, but no matter what type of business loans, they should be used for legitimate business activities. Generally speaking, lenders refer to institutions run by banks to help individuals obtain commercial loans.
3. What are the types of corporate loans?
Enterprises make up loans, which is called financing.