Annual interest rate: 10.8%- 18.0%
Loan term: 65438+February 24th.
Repayment method: equal principal and interest
Enterprise demand
1. The enterprise has been established for at least 2 years.
2. The taxable income of VAT invoicing/payment in the previous year was 1 50,000, and that in the previous year was110,000.
3. The latest annual tax grade of the enterprise is A/B/C/M.
4. The legal representative of the enterprise holds more than 20% of the shares and has not changed in the last year.
5. The earliest effective tax payment/billing time of the enterprise is 2 years, and there is billing/tax payment record in the latest quarter.
6. Business entities and affiliated companies have failed to hit the list of non-untrustworthy persons, persons subjected to execution, abnormal operation, administrative punishment, stock right freezing, tax arrears records, and no criminal cases.
Personal requirements
1. The shareholding ratio of the legal representative of the enterprise is above 20% (inclusive) and has not changed in the last year.
2. The legal representative of the enterprise is 22-60 years old (inclusive).
Credit information requirements
1. There is a loan record in history.
2. There is no overdue at present.
3. It has not been overdue for more than 2 months in the last 24 months.
4. The number of inquiry institutions in the last 3 months is less than 6, and the number of inquiry institutions in the last 1 month is less than 3;
5. Current liabilities (credit liabilities of a single enterprise)/50% of annual bill income;
6. According to the summary of institutions, there are no more than 3 microfinance institutions;
7. Credit cards and loans have no abnormal conditions such as bad debts, bad debts, payment suspension, freezing, write-off and compensation.
8. There are few credit inquiry records and no recent application records of multi-frequency institutions.
Access area
The access area is 3360 Beijing/Tianjin/Hebei/Shanxi/Shanghai/Jiangsu/Zhejiang/Anhui/Jiangxi/Shandong/Henan/Hunan/Guangdong/Guangxi/Chongqing/Guizhou/Shaanxi.
Fujian Fuzhou, Xiamen, Sanming, Quanzhou, Zhangzhou, Nanping and Longyan
Chengdu, Zigong, Panzhihua, Luzhou, Deyang, Mianyang, Guangyuan, Suining, Neijiang, Leshan, Nanchong, Meishan, Yibin, Guang 'an, Dazhou, Ya 'an and Ziyang in Sichuan.
Kunming, Qujing, Yuxi and Dali Bai Autonomous Prefecture, Yunnan Province
Prohibit entry into the industry
Mining, electricity, heat, gas and water production and supply, real estate development and management.
Prohibited behavior: loan funds shall not be used for investments such as house purchase, stocks, funds and wealth management;
Tips: Loans are risky, so be careful when borrowing money. You should make reasonable loans, reasonable consumption and avoid overdue according to your personal ability!
Related Questions and Answers: Related Questions and Answers: Is the new online banking loan simple? The new online banking loan is very simple. With a mobile phone and an ID card, small and micro business owners and individual industrial and commercial households can complete online credit applications anytime and anywhere on their mobile phones.