Jinqi Loan is a bank-wide loan product tailored by Tianjin Jincheng Bank for the majority of small and medium-sized enterprises, with a maximum amount of 5 million yuan and the fastest loan 1 minute.
Basic attributes:
Loan amount: up to 5 million.
Loan term: up to three years.
Loan interest: annualized 5%- 18%, depending on the approval.
Repayment method: average capital, which can be repaid with borrowing.
Application conditions:
1. The applicant is an enterprise legal person, aged 20-65, with good credit.
2. The enterprise is established for two years and pays taxes for one year. The value-added tax amount of any year in the last two years cannot be zero, and the tax level is ABCM.
3. In the last six months, the company's main business segments can't have any changes, business anomalies, lawsuits and other unfavorable situations.
4. The corporate credit liabilities shall not exceed 5 million yuan.
5. At present, the legal person's credit investigation cannot be overdue, no more than 2 times in the last six months, no more than 4 times in a year, no more than 6 times in two years and no more than 8 times in the last three months.
6. There can be no guarantor compensation, asset disposal, debt repayment with assets, bad debts, freezing, payment suspension, etc.
Application materials:
Id card, mobile phone number, national tax account number and password, bank card, enterprise collection account number.
Open areas: Tianjin, Guangdong Province
Jiangsu Province: Nanjing, Wuxi, Changzhou, Xuzhou, Suzhou, Huai 'an, Nantong, Lianyungang, Yancheng, Yangzhou, Zhenjiang, Taizhou and Suqian.
Anhui Province: Anqing, Hefei, Chuzhou, Wuhu, Fuyang, Suzhou, Lu 'an and Bozhou.
Henan Province: Zhengzhou, Luoyang, Anyang, Kaifeng, Xinxiang, Xuchang, Nanyang, Shangqiu, Xinyang, Zhoukou and Zhumadian.
Hunan Province: Changsha, Hengyang, Changde, Zhuzhou, Yiyang and Yueyang.
Zhejiang Province: Hangzhou, Shaoxing, Jiaxing, Huzhou, Jinhua, Zhoushan and Lishui.
Shandong Province: Jinan, Qingdao, Yantai, Weifang and Linyi.
Guangxi Zhuang Autonomous Region: Nanning, Guilin and Liuzhou.
Shanxi Province: Taiyuan City and Yuncheng City.