Living water loan is a small credit loan based on the settlement amount of small and micro enterprises in Minsheng Bank account, which is issued to qualified individual operators, small and micro enterprises, shareholders or actual controllers in a convenient and simple way.
Transfer loans generally require enterprises to operate normally for more than 2 years. The loan amount shall not exceed 30% of the net assets of the borrower's family and 65,438+00% of its annual operating amount. The maximum credit line for a single household is 1 0.5 million yuan, and the longest credit period is1year. Through the streamlined and standardized operation of small and micro loan application, approval, lending and post-loan management, the loan can be released on the same day when the information is complete, which effectively solves the loan demand of small and micro enterprises, and customers do not need others to guarantee or provide collateral as a guarantee.
Second, what is a corporate loan?
Even corporate loans are like this.
Third, the requirements of enterprise running water loans
1. It takes 2 years for the enterprise to be established (subject to the business license); 2. The bank has been running water for one year without interruption, with an average monthly flow of more than 400,000; 3. The applicant's information should meet the requirements, mainly the information of legal person and the credit status of legal person; 4 enterprise information meets the requirements, corporate responsibility, information violations, and cases meet the requirements. First, what is the meaning of enterprise running water? Enterprise running water generally refers to the enterprise's bank running water details or bank running water bills. Bank running water refers to the deposit and withdrawal transaction records of bank current accounts. Enterprise bank running water is a kind of proof material to prove the company's income, and it is also a necessary material to apply for a loan from the bank. Second, is running water equal to income? 1, the definitions of running water and income are different. Running water refers to the transaction bill of the bank card, that is, every deposit, withdrawal, consumption and transfer record of the cardholder will be recorded in the account, forming a daily bill, a monthly bill and an annual bill. This is the running water of the bank. More directly, it is a timetable for recording the amount of income and expenditure. Income refers to cash flow including wages, rental income, dividends and social welfare. 2. Running water and income have different functions. Running water is just a bank's inquiry about your daily consumption, life and work. Looking at your running water is to see whether your life is regular, healthy and unhealthy, and whether you have bad habits such as major risk consumption. As for your balance and expenses, it doesn't matter. The important thing is that you live an active life and have a lot of income sources. For banks, it depends on your income, of course, through running water, and you pay more attention to your income. You can only go in and out, and the income is greater than the expenditure, which is generally more conducive to your loan. 3. The judgment of running water and income is different from running water, which is the result of professional appraisal of banks. There are professional standards, not all funds are running water. Running water can be divided into effective running water and ineffective running water. Effective running water means that you don't go in and out today, and it is very frequent, but there are certain periodic intervals, so it is effective running water. Income is different. Compared with itself, it is sometimes difficult for banks to really judge your income through running water, because income is your own wealth obtained through various channels, which is more clear.
Four, the enterprise running water loan requirements
1. It takes 2 years for the enterprise to be established (subject to the business license);
2. The bank has a monthly flow of more than 400,000;
3. Mainly the information of legal person and the credit status of legal person. ;
4 enterprise information meets the requirements, corporate responsibility, information violations, and cases meet the requirements.
What is enterprise running water? Enterprise running water refers to the information of enterprise's capital exchange in the bank, including wages, accounts, investment and other running water. General enterprises need to provide bank running water for more than half a year when lending, if they provide running water information specifically. However, with loans, enterprises only need to provide bank flow information for three months or more to apply for loans. In addition to other loans, enterprises can provide other fixed assets for credit when banks approve loans.