Enterprise credit loans's loan period is generally about one to three years, usually not too long, and not more than five years at the longest (the specific period varies according to the lending institutions and products). After all, it is a loan fund obtained purely by credibility. If it is a mortgage loan, the amount is obtained by mortgaged assets, and the loan period is generally longer, such as a ten-year loan.
The borrower must remember to repay the loan on time. If it is not paid off at maturity, it will be overdue, resulting in damage to its reputation.
The enterprise loan is 6,543.8 billion yuan. What is the loan term?
Corporate loans 1 100 million, and the loan term is generally 1 to 2 years.
2021May 14 The loan period that enterprise credit loans can apply for is generally 1-2 years; Enterprise mortgage loan can be handled for many years because of real estate mortgage. ...
Zhi Dai. com
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How long does it usually take for an enterprise to borrow money from a bank? -Banking policy | China legal service through train
The loan period that enterprise credit loans can apply for in June 17 is generally 1-2 years; Enterprise mortgage loan can be handled for a relatively long period because of real estate mortgage, and the longest enterprise loan can be applied for 10 years. It should be noted that ...
Hualv law consulting
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/kloc-What is the loan term of 0/0 billion enterprise loans? -Financial advisors answer questions.-Ask questions
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Debt 1 10,000 can you still get a loan?
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The company can borrow 654.38 million yuan in tax a year.
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An enterprise obtained a loan of 654.38 million yuan.
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Debt 1 10,000 can you still get a loan?
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How long is the enterprise loan?-Cai Chen. com
On June 5th, the loan period that enterprise credit loans can apply for is generally 1-2 years; Enterprise mortgage loan because of the mortgage of real estate, you can apply for a longer term, and you can apply for an enterprise loan of 10 years at the longest.
How long does it take for Tianjin Agricultural Bank to review corporate loans?
The general bank's audit time for corporate loans is about one to seven working days.
1, the basic need for loan approval is about 10 working days. Different loan methods have different approval times. 2. If the loan has not been approved, please go to the bank in time to check whether it is a lack of parts or a problem with qualification. If the loan is not approved, it may be that the bank loan balance is insufficient this month and it will be arranged for next month. 3. The approval time of online banking loan depends on the materials prepared by the applicant and my economic situation, and the loan application business is also different. Under normal circumstances, if you apply for an ordinary online banking loan, you can repay it within one month at the longest. If you are in a hurry, you can call the bank appropriately to urge it. 4. Different loan methods also mean different audit methods, and the audit time still needs to be consulted clearly to avoid delaying the loan time.
How long does it usually take for an enterprise to apply for a loan from a bank?
The fastest week (the enterprise is better) and the slowest month. There is no fixed time, it depends on whether the information you provide is complete and your credit rating, and then the loan amount. If it exceeds the authority of applying for a bank, it needs to be reported step by step. If banks at all levels have insufficient information during the examination and approval process, they need to supplement it. If you have different opinions or questions at the loan review meeting, you need to explain after the meeting, and it will take a long time to attend the next meeting. But banks at all levels have weekly loan review meetings.
It still depends on your enterprise strength, guarantee method, loan amount and mortgage time, because it involves formalities. If the loan amount exceeds the authority of the approving bank, it will take a long time to report to the superior bank for approval. Under normal circumstances, the fastest loan I can get is one week (the enterprise is better) and the slowest is more than one month.
Extended data:
What is the loan process?
Personal housing provident fund loan refers to the loan with applicable housing provident fund loan interest rate for the purchase, construction, renovation and overhaul of owner-occupied housing (hereinafter referred to as housing provident fund loan).
Objects and conditions of provident fund loans:
Before the borrower applies for a loan, the individual and his subordinate units have paid the housing provident fund in full and on time, which is in line with the local provident fund loan conditions; Employees with full capacity for civil conduct can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own houses.
Amount, term and interest rate of provident fund loans:
1. Loan amount: The loan amount of the borrower shall not be higher than 70% of the total price of the purchased house; The borrower's loan amount is not higher than the maximum loan amount stipulated by the management center.
2. Loan term: The longest loan term is 30 years.
3. Interest rate: At present, the interest rate of provident fund loans is 4% for five years or less and 4.5% for five to thirty years. During the loan period, if the legal interest rate is adjusted and the loan term is one year, the interest shall be calculated according to the interest rate agreed in the contract; If the loan term exceeds one year, it will be implemented at the new interest rate of 1 from the following year.
Provident fund loan process:
1. The borrower goes to the management center to collect and fill in the Application Form for Personal Housing Loan of Housing Provident Fund and apply to the management center together with relevant supporting materials.
2. The management center examines and evaluates the authenticity and legality of the documents submitted by the borrower, inquires about the credit status of the borrower (including the spouse) by interviewing the borrower, consulting the personal credit database approved by the People's Bank of China and the credit department, and reviews the qualifications and credit standing of the borrower.
3. If the loan is approved, the borrower shall sign a loan contract and related contracts or agreements with the management center or the loan handling agency entrusted by the management center.
4. If the house purchase guarantee is adopted, it shall go through the guarantee formalities with the guarantee company; if the house is mortgaged or pledged, it shall go through the mortgage registration formalities or freeze the funds.
5. The entrusted bank shall, in accordance with the entrustment requirements of the management center, handle the loan issuance procedures and transfer the loan funds into the designated bank account.
Second, commercial loans.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate.
Commercial loan application conditions:
1. To apply for a commercial loan, there is an upper age limit for the applicant, who must be an adult over 18 years old, male under 60 years old and female under 55 years old. The age must be before retirement, and the post-retirement loan age must not exceed 5 years; There must be proof of income and bank flow;
2. Have legal residence status;
3. Have a stable occupation and income;
4. Have the ability to repay the loan principal and interest on schedule;
5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee;
6. There is a contract or agreement for the purchase of housing;
7. If there is a deposit not less than the down payment required for house purchase, and the advance payment for house purchase has been paid to the selling unit, the original and photocopy of the payment receipt shall be provided.
Commercial loan processing flow:
1. The borrower signs a house purchase contract with the seller and pays the down payment at the same time;
2. Submit relevant materials to the law firm for review;
3. After receiving the Legal Opinion issued by the law firm, the bank signs a loan contract, mortgage contract and guarantee contract with the purchaser;
4. According to relevant information, handle mortgage registration, home insurance, contract notarization and other procedures, and issue loans.
Third, portfolio loans.
Portfolio loan refers to a borrower who meets the conditions of personal housing commercial loan. While handling personal housing commercial loan, he can also apply for personal housing provident fund loan. The borrower can use the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral and apply for personal housing provident fund loan and personal housing commercial loan from the bank at the same time.
To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.
How long does it take for a corporate loan?
General enterprise loans need 15 working days. After the loan enterprise submits the relevant loan application materials, it takes 7- 15 days for the bank to produce the results. After the loan is approved, it will take the bank about 15 working days to complete the allocation. The more complete and detailed the information and loan description submitted by the loan enterprise, the more the project operated by the enterprise meets the national requirements, and the faster the next payment will naturally be. If you want to save the loan approval time, the loan enterprise can choose to run the loan application when the bank quota is sufficient or the "water release period".