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. Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans,
Stocks, foreign exchange, enterprise certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills of buyers or agreements, factoring with domestic recourse, and entrusted loans of export tax refund accounts. Therefore, the loan method chosen is different, and the product
Different loan years will be different. Please consult your loan bank for details, and your loan contract shall prevail.
Tips: The above contents are for reference only.
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How long does it usually take to repay the loan?
After the loan is issued, the repayment will generally start in the next month, and the lending institution will not require the user to repay the loan in that month. For example, if the loan is issued in May, the first repayment should be in June.
Because users usually choose a loan term of more than 1 month when applying for a loan, repayment will start the next month after the loan is successful at the earliest.
Unless the user chooses to pay off the arrears in advance, the loan can be repaid in the current month. Repayment in advance requires users to have strong repayment ability, while users have weak repayment ability, so they can choose to repay on time.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Loan channel
1. Traditional loans (also called offline loans) refer to loan applications submitted through banks in real life. )
Second, online loans (also known as online loans, which refer to online loans submitting applications) are P2P financial loans.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere)
Basic loan terms
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the socially recognized appraisal department.
(4) Other documents and materials as stipulated by the Construction Bank.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.
How long does it take for shareholders to repay the company loan?
There is no clear law about how long the shareholders must repay the loan. The general repayment period is agreed by both parties. The borrower shall repay the loan within the agreed time limit. If there is no agreement or unclear agreement on the loan term, it can be supplemented by agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits. If it is still uncertain, the borrower can return it at any time; The lender may urge the borrower to return it within a reasonable period of time. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. If the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period. The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.
Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.
Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.
Is the repayment date of corporate loans generally the 20th of the quarter?
Yes, the repayment time of bank loans is generally based on the time agreed in the loan contract.
For example, if you apply for a loan on 1 day of the current month, generally speaking, the subsequent repayment date will be stipulated in the contract on the 2nd of each month.
So just look at the loan contract and you can know the specific repayment time. It should be noted that the bank's repayment of overdue loans is based on the credit information at the meeting. Please repay each installment on time to avoid overdue. If you are not careful about loans overdue, please contact the bank staff in time and issue a non-malicious overdue certificate, so that this part of the loan amount will not be affected.
How long does it take for shareholders to repay corporate loans?
If a shareholder borrows money from the company for less than one year and fails to return it after the end of the tax year and it is not used for the production and operation of the enterprise, the unpaid loan can be regarded as the dividend distribution of the enterprise to individual investors, and personal income tax is levied according to the items of "interest, dividend and dividend income".
Legal basis:
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.