(1) Loan amount: up to 30 million yuan;
(2) Loan term: the longest loan can reach 10 year;
(3) Repayment method: repay the principal and interest on a monthly basis;
(4) Loan purpose: used to purchase office buildings, factories, warehouses and shops. Necessary for production and operation;
(5) Guarantee method: real estate mortgage guarantee.
Letter of credit clause
(1) The enterprise has been registered for more than three years (inclusive), or its major shareholders (including actual controllers) have more than five years (inclusive) of business experience in this industry;
(2) Its main business is clear;
(3) The credit record of the actual controller of the enterprise is good;
(4) There is a normal capital demand, the property to be purchased is used for the normal production and operation activities of the enterprise, and the source of cash flow is relatively stable.
The corporate mortgage loan of Guangzhou Bank is a corporate house purchase loan. When enterprises need to buy related office buildings, factories, warehouses and shops, they can apply for loans. The loan amount is large and the term is long, with a maximum loan of 30 million yuan. However, the requirements for the business life of the enterprise are high, requiring 3 years.