Commercial banks in major cities have many corporate loan products aimed at local small and medium-sized enterprises. Today, we will take stock of another wave of corporate loans, hoping to help you.
I. Bank of Shanghai-Silver Tax Insurance
Application conditions:
1, the enterprise has been established for more than 3 years (inclusive).
2. The business income declared by the enterprise in the previous year is not less than 5 million yuan, and the total tax payment in the previous year is not less than 654.38 million yuan.
3. The enterprise's tax credit rating is above Grade B (inclusive).
4. The actual controller of the enterprise is between 25 and 65 years old.
Credit line: the credit line of a single household shall not exceed 10 times of the total tax paid by the enterprise in the previous year, the total loan of the enterprise in all banks shall not exceed 50% of the declared operating income at the end of last year (including this credit line), and the maximum credit line of a single household shall not exceed 5 million yuan. Enterprises with less than zero tax returns in the previous year will not be supported, and the maximum amount of first-time loan enterprises without bank credit records will not exceed 2 million yuan.
Loan term: the longest loan term shall not exceed 1 year.
Guarantee method: 80% of the loan principal is guaranteed by Shanghai SME Policy Financing Guarantee Fund, and the actual controller or major shareholder of the enterprise provides personal joint and several liability guarantee, with no other guarantee measures.
Guarantee rate: generally 0.5%- 1% of the loan guarantee amount.
Application method: apply through the interactive platform of bank and tax.
II. Bank of Suzhou-Taxation-Bank Term Loan
Application conditions:
1, a People's Republic of China (PRC) citizen aged 20 to 60 with full capacity for civil conduct;
2. The business premises are in Jiangsu Province (Suzhou, Nanjing, Changzhou, Suqian, Huai 'an, Nantong, Wuxi and Taizhou);
3. It has been established for more than one year;
4. Other conditions stipulated by Suzhou Bank.
Application method: Weizhong Tax Bank website applies for a loan.
Three. Chaoyang bank yinshuitong loan
Loan term: one year at the longest, and the interest rate is the current interest rate of Chaoyang Bank.
Credit line: The repayment method is flexible according to the tax amount and sales income of the previous year.
Application method: Full online application.
Four. Bank of Jilin-taxation electronic finance
Application amount: up to 2 million yuan.
Application conditions: mainly for small and micro enterprises with good tax record and tax credit rating of B or above. Pure credit does not need mortgage guarantee.
Application method: bank outlets handle the application.
What are the corporate loans of Ping An Bank? Mainly these four!
In 2020, many small and medium-sized enterprises will face great difficulties. They need financial support to maintain their operations and expand their scale. Business owners can consider bank corporate loans. Ping An Bank has many high-quality products. Let's take stock today.
1, Loan Ping An Business Card
This is a "loan-in-one" linkage card issued by Ping An Bank to qualified small and micro business owners. In addition to the function of debit card, Ping An Bank can also obtain a revolving credit line for microfinance.
It is characterized by one-time handling, ten-year validity, revolving line, 724-hour repayment, withdrawal on demand, daily interest, and one-yuan loan. You can apply through online banking, mobile banking and WeChat banking.
2. Simple housing loans
Ping An Bank provides loans to small business customers with stable and sustainable operating income and specific conditions in a specific business circle. On the premise of reasonably calculating the liquidity required by the business entity, the loan is a simple and quick RMB credit product with its own "housing" as collateral and used for the normal business turnover of the business entity.
Features: Revolving credit granting, repayment by loan, daily interest calculation, and lending within five days. Customers in the business circle can add a safe credit line.
3. Invoice loan
Orange E- Shang Chao invoice loan refers to the RMB credit business granted to the designated buyer's upstream suppliers who meet the credit conditions of Ping An Bank, relying on companies such as Shangchao selected by Ping An Bank, so as to meet their business turnover capital requirements.
4, accounts receivable pledge financing
Suitable for small enterprises, small business owners or individual industrial and commercial households in the upper reaches of the trading chain. This product refers to the credit business that the credit applicant gathers the qualified and scattered accounts receivable legally owned by himself or a third party to form a relatively stable "pool" of accounts receivable balance, and pledges a number of accounts receivable in the pool to Ping An Bank as the main guarantee means of credit repayment, and Ping An Bank gives financing according to a certain proportion of the balance in the accounts receivable pool.
What banks can make corporate loans now? There are mainly these
Small and medium-sized enterprises must have sufficient funds to grow and develop, so many enterprises will apply for enterprise loans to ensure the normal production and operation of enterprises. Enterprise loans can be handled through commercial banks or loan companies, and bank loans are popular because of their large amount, long period and low interest. So, which banks can make corporate loans now? Let's take a look at it for everyone.
1, Bank of China
Bank of China can provide online banking loan services for enterprises, including e-loan for Bank of China enterprises and online finance for Bank of China, but they cannot apply at the same time.
1) e-loan for BOC enterprises: it is open to national standard small and micro enterprises within the customer scope of China Bank Credit Factory. The borrowing enterprise and its legal representative can repay the loan together with the borrower. Enterprises can log on to Bank of China's online banking, and select "Bank of China Enterprise E Loan" in "Loan Service" to initiate product application without mortgage, with the maximum loan amount of 300,000 yuan.
2) China Bank Netease Rong: Customers who have passed the approval of the SME credit factory model loan need to apply for the online banking loan business of the credit factory model to the local branch inclusive finance Sub-branch, and sign relevant contract texts and agreements after approval.
2. China Construction Bank:
China Construction Bank can provide loans to small and micro enterprises, including nine series of products such as small and micro fast loans, tax easy loans, good financial loans, settlement and credit loans.
1) Small and micro fast loans can be operated by clicking "Small and micro enterprises-business application-immediate application-fast loan application" from the homepage of China Construction Bank in official website, or by logging in to mobile banking and operating through the "loan-small and micro fast loan" menu;
2) For the other eight products, you can log on to the homepage of China Construction Bank in official website, click "Small and Micro Enterprises-Business Application-Apply Now-Online Banking Revolving Loan Application", fill in the application form for small business loans online, or call the contact person of the small business department of the local branch, and the branch will match the account manager to handle it.
What products does Harbin Bank have for public loans? And these!
Financing has always been very important for enterprises. After all, the operation of enterprises is changeable without funds, so it is necessary to know the loan policies and products of major banks. Today, I would like to introduce the corporate loan of Harbin Bank, which contains many products that enterprises in need can look at.
1, syndicated loan
This is a common method of corporate loans. A banking group composed of one or more banks will make a loan agreement, stipulating the amount, term, application conditions, repayment methods, etc. To provide financing services for the company.
Syndicated loans include long-term loans, liquidity, project financing, enterprise mergers and acquisitions, standby credit, revolving credit lines, guarantee commitments, etc. Some qualified technology and engineering enterprises are more likely to get loans.
2. Real estate lending
Mainly used for loans related to real estate development, operation and consumption activities, including real estate development loans, land reserve loans, commercial housing loans, etc. Enterprises need to meet many conditions, you can consult the bank staff for details.
3. Fixed assets loans
Enterprises need capital construction, technological transformation, technical equipment purchase and installation, and can apply for fixed assets loans with a long term and a high loan amount. Enterprises need to be approved and registered by the Administration for Industry and Commerce (or the competent authority) before they can apply.
4. Working capital loan
Many enterprises have the problem of insufficient liquidity, and Harbin Bank also has such products. Enterprises can handle short-term or long-term business, provide guarantees and credit applications, with flexible term, strong liquidity and low financing cost.
What are the loan products of China Agricultural Bank? Overview of Agricultural Bank of China's loan business
Agricultural Bank of China is one of the four largest banks in China, with many loan products. In addition to special services for agriculture, rural areas and farmers, there are also many special business departments in personal and enterprise services. Let's put these loan products together, let you know first, and choose the product that suits you best.
What are the loan products of China Agricultural Bank?
I. Personal loan products of Agricultural Bank of China
Personal loan products-good family loan series
Agricultural Bank loan products include: individual first-hand housing loans, individual second-hand housing loans, individual housing and provident fund portfolio loans, individual housing revolving loans, individual housing replacement loans, individual housing direct loans, individual housing non-trading mortgage loans, individual housing relay loans, and individual housing loan "repayment holiday plan".
Personal loan products-quality consumer loan series
Agricultural Bank's loan products include: salary loans, personal car loans, national student loans, consumer insurance loans (that is, personal consumer insurance loans), study abroad loans, business student loans, and home improvement loans.
Personal loan products-good start-up loan series
Agricultural Bank's loan products include: personal business loans, personal first-hand commercial housing loans, personal second-hand commercial housing loans, and Wangpu loans.
Personal loan products-special loan series
The characteristic loan series products of ABC's loan products include: housing mortgage loan (i.e. real estate mortgage loan), personal comprehensive credit loan, cajie loan, deposit-loan link, second-hand housing transaction fund custody, personal self-help revolving loan, personal wealth management products, balloon loan (loan interest and part of the principal are repaid in installments, and the remaining principal is repaid in one lump sum) and individuals.
Second, the Agricultural Bank of China company loan products
Financing and financing: fixed assets loans, working capital loans, revolving credit lines, export tax rebate account custody loans, real estate loans, domestic trade financing, guarantee commitments, and entrusted joint loans.
Small and micro enterprise services: simple loans (simple and quick credit business for small enterprises), smart loans (self-service revolving loans for small enterprises), account loans (pledge financing business for accounts receivable of small enterprises), factory mortgages (mortgage loans for industrial buildings of small and micro enterprises), and loan financing services of some local companies, such as multi-household joint guarantee for small enterprises (Henan Branch), intellectual property rights (Guangdong Branch) and Jinketong (Jiangsu Branch).
Three. Agricultural Bank of China's Three Rural Loan Products
Personal products of agriculture, rural areas and farmers: Jinsui Huinong Card, Huinong Credit Card, housing loans for farmers and farmers in earthquake-stricken areas, and personal production and operation loans in rural areas.
Agricultural products: financial services of special products benefiting farmers, including credit insurance business of agricultural industrialization cluster customers, seasonal purchase loans, loans for the construction of county commodity circulation markets, loans for commercial reserves in off-season of chemical fertilizers, loans for rural urbanization, loans for rural infrastructure construction, loans for working capital of farmers' professional cooperatives (Fujian Branch) and mortgage loans for forest resources assets (Fujian Branch). General financial services include revolving credit lines and working capital loans.
The above is a summary of the loan business of ABC. I believe everyone has a certain understanding of ABC's loan products! For more details, please consult the local Agricultural Bank outlets.
What are the SME loans of Ping An Bank? Count a few. Okay!
Both individuals and small and medium-sized enterprises are facing great financing difficulties this year. Many banks have lowered the threshold for corporate loans, which can be considered by qualified users. Today, we will take stock of the SME loans under Ping An Bank. There are many kinds. It is suggested that business owners choose according to their own situation.
1, house easy loan
The maximum amount of mortgage loans for SMEs in Shanghai is 20 million yuan, and the longest repayment period is 20 years. Support matching principal and interest, average capital, monthly interest payment and other repayment methods.
2. Express ticket loan
For small and medium-sized enterprises across the country, unsecured credit loans, online application for offline signing, with the loan also. The repayment period can be up to 2 years, and the review is fast.
3. Tax deduction
Unsecured credit loans for small and medium-sized enterprises can be applied online, and the repayment period can be up to 2 years. There are two repayment methods: loan repayment and equal repayment.
4. Several secured loans
Ping An KYB loan is guaranteed by the guarantee company and the guarantee fund, and will be distributed to enterprises recognized by KYB tax loan and guarantee company according to KYB business model after the credit is increased. The loan can be up to 5 million yuan, which supports online application.
5, government procurement loans
Enterprises with government orders. This situation needs to be investigated by telephone, reported by the branch, and then approved by the branch. Up to 5 million, online and offline applications are available, which is suitable for high-quality enterprises.
The banking policy of each city is different, and some areas have special loan products that can be tailored for enterprises. So I suggest you go directly to the outlet to consult the staff.