5. 1%-5.5%. According to the inquiry of official website of Suzhou Agricultural Bank, large banks in Suzhou apply for loans for small and micro enterprises, and the loan interest rate is around 5. 1%-5.5%. The interest rate for applying for small and micro enterprise loans in Suzhou local corporate banks is around 6.5%-7%.
How to borrow corporate loans in Suzhou, Jiangsu? These conditions should be met.
There is Suzhou and Hangzhou on earth, and there is heaven on earth. Suzhou's tourism industry has promoted the local economic development, and many tourism enterprises have emerged. They also need loans when they are closed. Many travel companies don't know much about corporate loans, and they don't know how to borrow them and what conditions to meet. Here is a brief introduction.
How to borrow corporate loans in Suzhou, Jiangsu?
In Suzhou, tourism companies and other enterprises can borrow money and apply for business loans for enterprises, such as buying equipment and paying wages. There are many kinds of loans, such as credit loans, mortgage loans, guarantees and so on. The basic conditions are similar, but the requirements of each lending institution are different.
As for how to borrow money, it depends on which loan channel to choose. If it is a bank loan, you can go to the local bank branch in Suzhou for corporate loans, or you can go to the mobile banking and online banking of various banks. If the enterprise has a record of paying taxes in good faith for two years in a row and is in good operating condition, it is recommended to apply for a corporate tax loan and approve it as soon as possible.
For example, the tax e-finance of Jiangsu Bank Suzhou Branch, the tax loan of Suzhou China Merchants Bank, the tax wealth of Suzhou Minsheng Bank and the Wechat business loan of Weizhong Bank are all similar products. These loans are based on the enterprise's honest tax payment, including the enterprise's tax payment data and tax payment credit rating. To provide unsecured credit loans for enterprises.
It should be noted that no matter what kind of loan you apply for, you must repay it on time, otherwise the consequences of overdue will be very serious, which will lower the rating of the enterprise, tarnish the credit of the enterprise and even affect the future development of the enterprise.
What is a small and micro enterprise loan
China Ping An Small and Micro Enterprise is a loan product promoted by Ping An of China in Suzhou, which is a loan for small enterprises without mortgage and with guarantee.
The maximum loan amount is 2 million, and the longest loan period is 1 year. The loan amount does not exceed 300,000 yuan, and it is provided by 1 guarantor; The loan amount exceeds 300,000 yuan, and two guarantors are provided.
Extended data:
Product advantage
1, no collateral is required;
2. The maximum loan amount can reach 2 million;
3. The longest loan period is 3 years;
4. The application materials are complete, and the loan can be released within 8 working days.
Letter of credit clause
1. Operating years: 1 year or more;
2. Tap water requirements: Over 2 million tap water has been provided to the public in recent years 1 year;
3. Guarantee requirements: the loan amount does not exceed 300,000 yuan, provided by 1 guarantor; The loan amount exceeds 300,000 yuan, and two guarantors are provided.
Application material
1, company business license (business license, tax registration certificate, organization code certificate, etc.). )
2. Legal person identity certificate (ID card, household registration book, marriage certificate, etc.). )
3, business income certificate (for public water, tax bills, etc.). )
4 proof of business premises (lease contract, etc.). )