First, the Bank of Communications launched the tax easy loan
Bank of Communications provides a bank-wide, automated personal business loan to small and micro business owners who pay taxes in good faith according to law for the daily turnover of their business entities. Small and micro enterprise owners include individual industrial and commercial operators, investors of sole proprietorship enterprises, executive partners of partnership enterprises and legal representatives of corporate enterprises.
Loan interest rate and term: up to 3 million after the implementation of the whole bank and up to 654.38+0 million in the pilot phase; 6-7% annualized; Existing customers can borrow for 2 years, and new customers can borrow 1 year; Pay interest on 2 1 day every month, and repay the principal in one lump sum when due.
Second, the Bank of Communications tax easy loan application conditions
1. Personal requirements: 22-65 years old, with a local business entity and more than two years' experience; Individual industrial and commercial households, investors of sole proprietorship enterprises, executive partners of partnership enterprises, and legal representatives of corporate enterprises.
(The number of borrowers applying for tax-related online products shall not exceed 2, and the name of the borrower does not include the revoked enterprise. The tax payment and annual sales shall not drop too much, the tax payment amount shall not be zero for consecutive months, and credit cards shall not be applied frequently. )
2. Enterprise requirements: the enterprise has been established and continuously operated for 2 years, paying taxes in good faith, with non-C tax rating results and no credit line for small enterprises in Bank of Communications.
(The enterprise pays taxes normally, and there is no tax owed at present. The number of behavioral fines and tax-related fines in the past 12 months shall not exceed 4 times. The year-on-year decline in sales of enterprises in the past 12 months cannot exceed 50%. The total tax payment in the past 12 months exceeded 10000 yuan, and the sales of the enterprise in the past 12 months exceeded 500,000 yuan.
Note that tax-to-loan reform is open in some cities, such as Jiangsu, Guangdong, Hunan, Jilin, Shaanxi, Fujian (except Xiamen), Yunnan, Shanxi, Henan, Heilongjiang, Liaoning, Beijing, Dalian, Tianjin and Shenzhen. You can consult the bank staff for details.