China Construction Bank has many high-quality loan products. Individuals and small and medium-sized enterprises can apply for loan business as long as they meet the requirements. Many enterprises are facing the problem of financing difficulties this year. We can try to understand the tax loan of China Construction Bank. Today, I will briefly introduce how to deal with it.
I. Offline application
This method is suitable for users who don't like online operation. They can go to the bank with relevant information, and there will be staff to guide the specific operation process. You must first enter the test quota of enterprise-related information on CCB APP. After the first trial is passed, a credit manager will contact you and handle it at the designated outlets.
Second, the online application process
1. First log in to CCB Online Banking, select the supervisor role, click Service Management-Business Management, and click Enable in the drop-down menu.
2. After opening, please select the first-level menu, click on credit financing, and then select small and micro enterprise fast loan in the second-level menu, and click Open.
3. After the quick loan function of small and micro enterprises is enabled, click "Authorize Now" in the description interface of quick loan function of small and micro enterprises.
4. Enter the interface of fast loan authorization for small and micro enterprises, and click and select the account number of small and micro enterprises associated with corporate online banking in the loan issuing account drop-down menu.
5. After checking the returned information, check the Authorization Agreement for Small and Micro Fast Loan Business and the Authorization Letter for Enterprise Credit Information, click to view the agreement and agree, and then click OK to authorize.
6. Prompt that the authorization is successful, then log in to the personal online banking of the actual controller of the authorized enterprise to apply for a loan, and select Personal Loan-Fast Loan for Small and Micro Enterprises-Fast Loan Application Select Fast E Loan Select Application.
7. The prompt of "authorized acceptance" will automatically pop up here, and then fill in the basic information of the loan. The system will automatically calculate the maximum loan amount of the enterprise, confirm the loan amount, term and other factors as needed, confirm the personal credit authorization, and click "Submit for Approval".
8. Confirm the approval scheme. Check the options, and then click OK. After signing the contract, you can use the loan.
Note: Enterprises applying for tax loans from CCB must be established for more than 24 months and pay taxes of more than 20,000 yuan annually. It is best not to have more than two loans under the name of the enterprise. Some regions may have different requirements, please refer to the local policies of the bank.
Tax Loan Process of China Construction Bank
CCB's tax loan application steps are as follows:
1. First download the "China Construction Bank" mobile APP on your mobile phone, register your account after installation, and log in to your personal account;
2. Find the "quick loan" module on the homepage, and click "quick loan" to enter the module;
3. Apply first. When applying, you need to be authorized to view your own provident fund, personal tax information and JD.COM consumption information;
4. After the application is submitted, the bank will review it and give a certain amount after it is approved.
China Construction Bank-Yunshuidai (CCB Shuidai)
1. line: up to 3 million;
2. Interest rate: annualized 4%-5%
3. Duration: 1 year;
4. Repayment method: repay the interest first, then the principal, so as to borrow and repay the loan;
5. Special instructions:
① CCB receives money from Gong Hu;
(2) Unable to go to court, and the passing rate of litigation execution is low;
(3) if you don't have an account, you need to open an account first, and then calculate the amount.
6. Product features:
(1) No nuclear power, but need to visit;
(2) Recovery, prepayment without penalty interest;
(3) Relying on corporate credit, not personal credit.
Basic requirements of the applicant
1. Age: 18-60 years old (non-Hong Kong, Macao and Taiwan and foreigners)
2. Borrower:
① The enterprise has been established for more than 2 years (including self-employed)
(2) application by a legal person (holding more than 50% of shares) or a shareholder holding more than 50% of shares;
③ The registered capital of the enterprise is ≤ 50 million, and the number of employees is ≤300;
④ You need to open a basic settlement account or a general settlement account of China Construction Bank.
3. Credit requirements:
(1) The actual controller and enterprise credit cannot be overdue in the current period;
(2) The accumulated overdue amount in the last two years is no more than 6 1, no more than 2;
(4) Business loans reflected by corporate and individual credit information cannot exceed 5 million (except mortgage houses and credit cards).
Tax requirements
① The tax grade is A/B;
② The actual tax paid in the past 12 months was more than 20,000 yuan (inclusive);
③ Enterprises have paid taxes in good faith in the past 24 months (according to time and tax payment).
④ The enterprise has paid taxes at least 1 time in the last three months. (subject to the actual payment time and actual tax payment.
open zone
Tax loans from China Construction Bank enter cities!
Restricted industry
Two highs and one surplus, as well as the company's business scope involving entertainment, real estate, securities, investment, etc. are not allowed.
Procedures and time for examination and approval of tax easy loans of China Construction Bank
CCB Tax Easy Loan is a revolving credit loan for short-term production and operation turnover issued by CCB to small and micro enterprises that pay taxes in full and on time. According to the calculation of 4~7 times of the total tax payment, the maximum loan amount of the enterprise is 2 million yuan. The daily interest rate of CCB's tax easy loan is 0.0 18%, the approval only takes 3 days, and the loan period is as long as 12 months.
Users only need to submit their identity certificates and business certificates. (Identity certificate: valid identity documents of the business owner and spouse, marriage certification materials, local household registration book, family property certificate, etc. Business certificate: business license, organization code certificate, tax registration certificate, business tax, value-added tax, enterprise income tax payment certificate issued by tax authorities in recent two years, etc. )
Extended data:
Precautions:
Compared with similar small and micro enterprise loan products of other banks, CCB's tax easy loan is characterized by no rating and no credit when lending, and does not require the applicant to provide any mortgage or guarantee. Small and micro enterprises can get a loan of up to 2 million yuan as long as they meet the following conditions:
1. Small and micro enterprises must be legally operated industries with stable production and operation and certain repayment ability.
2. Small and micro enterprises must pay taxes according to law, and the credit records and actual tax payment of enterprises will serve as an important audit of loans by CCB.
3. Small and micro enterprises should have a good reputation, and CCB will score applicants with scorecards.