First, the advantages of short-term emergency loans _
(1) You can repay the loan in advance without penalty interest.
(2) The purpose of the loan is not limited: it can be used for enterprise capital turnover, house purchase, car purchase, decoration, tourism and education.
(3) The loan period is long and the procedures are quick and simple.
(4) Optimization of repayment method: pay interest quarterly and repay the principal at maturity.
(5) If the loan is not processed successfully, the customer will not be charged any fees.
(6) The loan amount is large, the next payment time is fast and the process is short.
Two. Requirements for short-term emergency loan borrowers _
(1) A natural person aged 22-60 with an ID card.
(2) Have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
(3) Must own local real estate.
(4) Commercial houses, public houses, villas and office buildings with property rights.
(5) The procedures are complete, and the mortgage registration procedures and listing circulation can be handled.
Three, short-term emergency loan borrowers should provide materials _
(1) Original ID card, household registration book and real estate license of both husband and wife.
(2) Proof of repayment ability such as personal income or personal assets.
(3) To conduct business, it shall provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Emergency loan is a financial policy issued by the government to serve enterprises, which has four obvious advantages.
1. No collateral is required.
As we all know, corporate loans often need collateral as support, but under the influence of the big environment, emergency loans have lowered the threshold of this condition. Emergency loans mainly help enterprises that have temporary liquidity difficulties and financing difficulties due to lack of collateral or guarantee, and there is no need to pledge within a certain amount.
2. The loan interest rate is low.
Since it is a service enterprise, of course, it should be preferential in financing costs. The annualized interest rate of emergency loans is not higher than the average interest rate of inclusive small and micro enterprises in pilot banks in the first half of 2020.
3. Fast loan issuance
Lack of money in enterprises will directly affect the whole production and operation, not only affect the payment of employees' wages, but also affect the business reputation of enterprises. Therefore, emergency loans can be issued within 5 working days from the acceptance of the application to the lending of loans to enterprises in difficulty that meet the credit approval conditions.
4. There are many enterprises involved.
Emergency loans need to be screened to help enterprises that really need financing support. Nevertheless, the enterprises participating in the application have a great chance of successfully obtaining the recommendation qualification.
Seeing this, many business owners may think this policy is good, but don't worry, it's too late to apply now. First of all, you need to fill in the form and report the enterprise information, and then wait for the tax bureau, human resources and social security bureau, etc. It is necessary to review and verify, and then wait for the comprehensive service platform for small and medium-sized enterprises to conduct pre-trial screening, and wait for the funds to arrive after the final approval of the Provincial Banking Insurance Supervision Branch.
Nowadays, enterprises' demand for capital is still at a high level, but the financing competition is becoming more and more fierce. It will certainly be helpful for you to pay attention to the relevant loan policies in time.