Loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information. Loan application materials: 1, lender's ID card; 2. The credit information of the lender in the past six months, and the credit information is good; 3. The bank card under the lender's name has been flowing for nearly half a year without interruption; 4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis. If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
Two. The process of financial leasing business. Thank you.
1. Q: What steps do you usually go through in handling financial leasing? Answer: 1. The applicant contacts the equipment supplier and selects the brand, model and price of the equipment to be purchased. 2. The applicant contacts the leasing company and prepares the corresponding materials according to the requirements of the leasing company. 3. The leasing company conducts on-the-spot investigation on the applicant, and evaluates and reviews the operating conditions of the applicant. 4. After being approved by the leasing company, the applicant signs a financing lease contract with the leasing company and an equipment sales contract with the equipment supplier. Imported equipment also needs to sign foreign trade agreements with foreign trade companies. 5. According to the financing contract and the equipment purchase contract, the leasing company pays the equipment supplier or the foreign trade company, and the applicant starts to pay the rental money to the leasing company. 6. At the end of the lease term, the leasing company shall issue a certificate of ownership transfer to the applicant, and the ownership of the equipment shall be owned by the applicant. 2. Q: Are there any requirements for the applicant's qualifications in handling financial leasing? A: Generally, applicants are required to have more than 2 years of industry experience, no record of violation of laws and regulations, and normal and benign operation. There are no hard and fast rules on registered capital and annual sales, mainly focusing on the applicant's actual repayment ability. 3. Q: Is there any provision on down payment and financing term in the financial lease? A: Generally, the applicant is required to make a down payment of 30% and the service life is 1-3 years. If the equipment is large, the lease term can be extended. Q: What is the meaning and essence of financial leasing? Answer: Financial leasing refers to a transaction in which the lessor (leasing company) purchases the leased property from the seller (equipment supplier) according to the choice of the lessee (financing applicant) and provides it to the lessee for use, and the lessee pays the rent. Financial lease is essentially a lease that transfers all risks and rewards related to asset ownership. V. Q: What are the advantages of financial leasing compared with bank loans? Answer: (1) Simple procedure: The credit review procedure of financial leasing is simple, which integrates financing and materials, greatly saving time, enabling enterprises to obtain the right to use equipment in the shortest time, conduct production and operation, and quickly seize market opportunities. However, there are many links in bank approval, long approval time and complicated approval procedures. (2) Low threshold: Small and medium-sized enterprises lack credit and guarantee to borrow from banks for their own reasons, so it is difficult for them to obtain loans from banks. Most financial leasing companies mainly pay attention to the income of the leasing project itself, and the requirements for corporate profits and guarantees are not high compared with banks. (3) Flexible leasing methods. Generally, bank loans are paid in one time, which leads to great financial pressure when returning loans. However, the leasing company can customize flexible repayment arrangements for enterprises according to the financial strength and seasonal sales situation of each enterprise, such as unequal repayment, so that the lessee can customize the rental repayment table according to his own enterprise situation and arrange funds reasonably. (4) Separate accounting. Financial leasing belongs to off-balance-sheet financing and is not reflected in the liabilities of enterprise balance sheet. And general loans are reflected in the liabilities of enterprises, which affect the credit status of enterprises. This is very important for enterprises that need multi-channel financing, especially small and medium-sized enterprises. Enterprises can finance (lease) according to 70% of the leased property, thus saving liquidity and maintaining the existing credit line. Through this kind of off-balance-sheet financing, we can liberate liquidity, expand the source of funds and break through the limitation of current budget scale. 6. Q: Do I need to buy insurance for financial leasing when buying equipment? A: Yes, the general leasing company will require the insured to buy insurance for the equipment, and the insurance period is the lease period. 7. Q: After the equipment lease is over, can I apply for financing from the leasing company for the equipment that has been leased? A: Yes, after the lease expires, the applicant can apply to the leasing company for ownership not to be transferred, continue to use the equipment as leased property, and apply to the leasing company for "sale and leaseback". Q: During the lease period, can the lessee count the leased equipment as fixed assets? A: Yes, it is reflected in the balance sheet under the fixed assets of the capital occupier and the long-term liabilities of the capital source respectively. Q: How to calculate the depreciation of financing leased equipment? Answer: According to the regulations of State Taxation Administration of The People's Republic of China, the depreciation period of the equipment purchased by financing lease for technological transformation of enterprises shall be determined according to the principle of shorter lease period or depreciation period stipulated by the state, but the minimum period shall not be less than 3 years. Q: What is leaseback? Answer: leaseback can also be called leaseback after sale. It means that the powerful owner sells the property to the leasing company, then signs a financing lease contract with the leasing company, and uses the property by paying the rent on schedule according to the agreed conditions until the ownership of the property is fully recovered. There are some materials in my space, you can have a look.
Third, the difference between bank loans and leasing company financing.
Legal subjectivity:
In the case of frequent lack of funds, in fact, in addition to applying for bank loans, you can also apply for financial leasing. However, many people don't know much about financial leasing. What I want to talk about here is about bank loans. Let's follow the online small series to see what are the similarities and differences between bank loans and financial leasing. . . I. Loan Amount and Term Bank loans are greatly influenced by the national macro-control and the central bank's credit policy. Generally speaking, working capital loans are mainly within one year, and the loan amount is relatively limited. However, financial leasing has a wider range of financing decisions and a longer term. Second, the credit review procedure of loan lease is simple, and financing enables enterprises to obtain the right to use equipment and funds in the shortest time. However, the procedure of bank approval ring is more complicated. In terms of repayment flexibility, financial leasing is more flexible. Generally speaking, bank loans are paid in one lump sum and returned in one lump sum, so there is great financial pressure when returning loans. However, the leasing company can arrange repayment according to the financial strength of each enterprise, such as unequal repayment, so that the lessee can arrange funds reasonably according to his own enterprise. Third, the loan cost is generally considered that bank loans are more expensive than financial leasing, and financial leasing companies will also charge a certain handling fee at the initial stage. But one factor is often overlooked by financiers, that is, they enjoy preferential treatment of accelerated depreciation with financing rent. In addition, the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China stipulate that the depreciation period of financial leasing can be determined according to the principle of lease term, but the minimum depreciation period is not less than three years. However, you can't enjoy this discount if you buy your own equipment with a bank loan. The above questions are related to the similarities and differences between bank loans and financial leasing. Generally speaking, the terms of payment; Loan procedures and loan thresholds; Loan cost. The details have been introduced above. If in doubt, please consult our online laws.
Fourth, how to operate the car financing lease?
Operation process of auto financing lease business:
1. The lessee applies to the leasing company for auto financing leasing business and provides relevant materials;
2. The leasing company has approved the lessee's project;
3. The lessee provides lease guarantee (property mortgage or personal unlimited liability guarantee) to the leasing company;
4. The leasing company shall notarize the lessee's guarantee for the record;
5. The leasing company, the lessee and the automobile supplier sign a sales contract and a vehicle repurchase guarantee contract;
6. The leasing company signs a financial leasing contract with the lessee;
7. The above two contracts will take effect after the lessee pays the lease deposit;
8. The leasing company pays the payment to the supplier;
9. The supplier shall submit the vehicle invoice and delivery documents to the leasing company;
10. The leasing company shall go through the licensing and registration procedures at the vehicle management department with the valid invoice and certificate of the supplier;
1 1. The leasing company delivers the vehicle to the lessee according to the contract;
12. The lessee shall take out vehicle-related insurance with the beneficiary as the beneficiary with the insurance company according to this contract;
13. The lessee pays the rent to the leasing company according to the contract;
14. The leasing company and the lessee shall handle the residual value as agreed;
15. At the end of the contract, the leasing company shall issue a certificate of ownership transfer of the leased property to the lessee.