Enterprises in Fuyang, Anhui are in urgent need and can apply for various types of corporate loans. Different loan products have different requirements and different handling channels. Be sure to understand clearly before handling, otherwise the prepared information may be rejected. So, how to get a corporate loan in Fuyang, Anhui? Let's have a look.
There are many channels to provide loans for Fuyang, such as banks, private lending companies and online lending platforms. The types of loans include mortgage loans and credit loans, and the required conditions are different. For example, a credit loan includes a corporate tax loan. Credit is granted based on corporate tax payment and business operation, and these two aspects are the most important.
Let's take a look at the popular corporate tax loans in 2020 and get to know the general loan requirements.
1, micro-loan of Weizhong Bank
Weizhong Bank's operating loans are based on taxes, and credit is granted according to the tax amount and operating conditions. The enterprise is required to have been in business for two years and have business data for more than two years, and the tax grade is A/B/C/M. The value-added tax payment in any year in the last two years is not zero, and there is no overdue tax payment in the last six months.
2. Ping An Bank tax
Ping An Bank launched a credit product with fixed tax loans for enterprises with good tax payment, requiring enterprises not to pay VAT in any year in the past two years; The number of recent 1 year tax returns for small-scale taxpayers shall not be zero, and the number of recent 1 year tax returns for general taxpayers shall not exceed three times, and the year-on-year decline in sales revenue of 1 year tax returns shall not exceed 40%.
These two types of corporate tax loans are exhibited in Fuyang, Anhui Province, and eligible SMEs can apply for a try.
Fuyang latest mortgage interest rate 2022
The latest mortgage interest rate in Fuyang in 2022 is 3.95%. According to the spirit of the Notice on Adjusting Differentiated Housing Credit Policies by Stages issued by the People's Bank of China and the China Banking Regulatory Commission on September 29th, 2022, and in accordance with the principle of making policy according to the city, in order to support residents' reasonable housing demand, Fuyang City lowered the lower limit of the interest rate of the first commercial personal housing loan from LPR-20 basis points to LPR-35 basis points, that is, the first commercial personal housing after adjustment. 10 10/month 14, CCB implemented the first set of commercial personal housing loans with an interest rate of 3.95%. A number of commercial banks, such as Agricultural Bank of China and Industrial and Commercial Bank of China, have reported to the provincial bank for approval, and other commercial banks will also implement new commercial loan interest rate cuts one after another.
How to start a business with a loan in Fuyang, Anhui? How much is the interest?
In Puyang, Anhui, many people will encounter an embarrassing problem when they plan to do business, that is, the cost is not enough. If they borrow money from relatives and friends, they can't borrow that much, so they can only borrow money. And many people are borrowing for the first time, and many things are unclear. Here we will briefly introduce it.
How to get a loan for doing business in Puyang, Anhui?
You can get loans from banks or finance companies and handle industrial and commercial loans, which is suitable for small and medium-sized enterprises and self-employed individuals. In order to avoid being cheated, we must find local formal lending institutions in Puyang, such as banks with branches in Puyang and financial companies with lending qualifications.
The loan process is relatively simple. Find the institution to be loaned, fill in the loan application form, and submit the loan description and related materials. The institution will review the income and operation of the lender, sign a loan contract after the first trial, and then wait for the loan.
I would like to remind you that if you want to successfully approve the loan, you must prepare all kinds of materials, usually including valid ID card, household registration book or long-term residence permit, fixed business place, bank flow, income certificate, personal assets certificate and so on. And good credit, etc. Whether the loan can be approved depends mainly on the approval result of the lending institution.
How much is the commercial loan interest in Puyang, Anhui?
The interest of different lending institutions is different. If you want to get low loan interest, you should look for a bank. The interest of general bank loans will rise by 30%~50% on the basis of the benchmark interest rate, depending on the loan amount and the qualifications of borrowers. In addition, different repayment methods will also have an impact on interest.
In short, a loan for doing business in Puyang, Anhui Province must have good credit and repayment ability, and it is best to have certain self-owned funds or collateral.
Does Fuyang support off-site provident fund loans?
Support. As of February 26, 2022, Fuyang has supported the use of off-site provident fund loans to buy a house in Hefei, which is very convenient. Fuyang refers to Fuyang city, which is a municipal administrative region.