The loan interest rate of small and medium-sized enterprises is based on the current RMB loan interest rate, and it fluctuates appropriately according to the actual situation. The specific floating ratio is subject to the regulations of local banks.
At present, the benchmark interest rate for bank loans is:
1. The annual interest rate of loans with a term of less than one year (including five years) is 4.35%.
2. The annual interest rate of loans from one year to five years (including five years) is 4.75%.
3. The annual interest rate of loans with a term of more than five years is 4.90%.
For general SME loans, the interest rate of secured loans rises by about 70%, and the converted annual interest rate is 7.395%; The mortgage rose by about 50%, and the annual interest rate was 6.525%. Monthly interest rate of revolving loan 1%-2.5%( 1%-2.5%).
2. What are the preferential policies for SME loans?
1. revolving loan for small enterprises
Conventional loans are generally paid off in one lump sum, and loan circulation is not allowed. However, at present, some joint-stock banks have launched revolving loans for small business operations in view of the characteristics of the return of operating income of small businesses, and small businesses with suitable mortgages or guarantees can apply to the banks for handling them. This kind of loan is a one-time loan contract signed by the bank and the borrower. Within the time limit and the maximum amount stipulated in the contract, it can be borrowed and repaid at any time, which can be recycled and realize the financing goal of "one mortgage, multiple loans and repayment at any time".
2, chattel mortgage to revitalize the funds
The procedure of chattel mortgage loan is very simple. As long as cars, goods, equipment and other items recognized by banks are used as collateral, lenders can easily obtain a certain amount of loans. This "turning dead things into living money" loan mortgage model is a bit of a pawn, but its loan interest rate is much lower than that of pawn shops, which is suitable for small enterprises that lack ordinary mortgage resources and have short-term borrowing purposes.
3, small business joint guarantee loans
"Small Business Joint Guarantee Loan" is a new loan variety recently launched by some joint-stock banks. This kind of loan is that the borrower forms a joint guarantee group by paying a certain deposit, helping each other and providing loan guarantees, and the bank issues a certain amount of loans. Specifically, three small enterprises that are familiar with each other can apply to the bank for joint guarantee in pairs. As long as each company pays a certain margin, it can get a loan with three times the margin from the bank. This kind of loan does not need other mortgages and guarantees, but depends more on mutual supervision and restraint between enterprises.
Third, the SME loan process
1. The enterprise applies for a working capital loan from the bank and provides relevant materials of the enterprise and the guarantor (if necessary).
2. Sign loan contracts and related guarantee contracts. After an enterprise's loan application is approved by SDB, banks and enterprises need to sign all relevant legal documents.
3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.
4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.
Four, what are the ways of SME loans?
1, comprehensive credit line
In other words, for some enterprises with good operating conditions and reliable credit, a certain amount of credit line is given within a certain period of time, and enterprises can recycle the credit line within the validity period and scope. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.
2. Credit guarantee loan
In 3 1 provinces and cities, more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.
3. Project development loans
Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.
4. Personal entrusted loans
Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loan. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client.
5. Discounted bill loans
Bill discount loan refers to the transfer of commercial bills to banks by bill holders, after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount, it is much simpler than applying for a loan, and the loan cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises.
6. Pawn loan
Pawn is a kind of loan method that takes real objects as collateral and obtains temporary loans in the form of real object ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. In fact, in addition to pawn shops, small loan service agencies, guarantee companies, small loan companies and other institutions are also developing vehicle mortgage loans. For example, the "Easy Car Loan" product launched by CreditEase Company 20 1 1 is also the first vehicle mortgage loan service without mortgage in China.
7. Intellectual property pledge loan
Intellectual property pledge loan refers to the small and medium-sized enterprises that apply to the bank for financing after evaluation with the patent rights, trademark rights and property rights in copyright owned according to law. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide financing facilities for some small and medium-sized enterprises, and generally need the legal representative of the enterprise to take out insurance. Nevertheless, those excellent SMEs with independent intellectual property rights can still try.
8. Joint cooperative loans in different places
Some small and medium-sized enterprises sell a wide range of products, or provide supporting parts for some large enterprises, or are loose subsidiaries of enterprise groups. In the process of producing cooperative products, it is necessary to supplement production funds. You can find a lead bank to provide loans to the group company in a unified way, and then the group company will provide the necessary funds to the cooperative enterprise, and the local bank will cooperate with the contract supervision. It can also be jointly provided by the lead bank and the cooperative enterprise's banks in different places to provide loans respectively.