Individual joint guarantee loan
Personal guarantee loan is a kind of loan set up to solve personal loan and guarantee difficulties. Natural persons without immediate family members voluntarily form a joint guarantee group to guarantee each other.
Small and medium-sized enterprises jointly guaranteed loans
Product introduction
The joint guarantee loan for small and medium-sized enterprises refers to the loans issued by rural credit cooperatives to small and medium-sized enterprises within the joint guarantee organization for technological transformation, purchase, construction and maintenance of fixed assets and the purchase of intellectual property rights such as patents, trademarks and franchise rights. Joint guarantee loans are divided into general joint guarantee loans and special joint guarantee loans. General secured loan refers to a loan in which a number of small and medium-sized enterprises form a guarantee group and sign an agreement, and when the borrower fails to repay the loan as agreed, the members of the guarantee group bear joint and several liabilities; Special joint guarantee loan refers to a loan issued by rural credit cooperatives to small and medium-sized enterprises, which is jointly funded by a number of small and medium-sized enterprises to set up a risk fund, set repayment responsibility and loss risk compensation mechanism. To apply for a joint guarantee loan, there should be no less than five members of the joint guarantee team. During the whole repayment period, the asset-liability ratio of the members of the joint guarantee team should be kept below 60%. At least 30% of the annual sales income of the members of the joint guarantee team should be deposited in rural credit cooperatives. The credit rating of all the members of the joint guarantee team should be above A level, and the members of the joint guarantee team are not related parties. The amount of secured loans for small and medium-sized enterprises shall be determined within 25% of the total comprehensive credit, with Grade A within 20% of the total comprehensive credit and Grade A within 15% of the total comprehensive credit; The total amount of loans of all members of the special joint guarantee loan team shall not exceed 3 times of the total amount of risk funds established. The maximum term of joint guarantee loans for small and medium-sized enterprises is 3 years.
Product characteristics
Help each other, enhance credit, convenient and fast, and low financing cost.
area of application
Small and medium-sized enterprises that meet the loan access conditions of rural credit cooperatives.
operation flow
(1) Establishment of UNPROFOR team
Sign a joint insurance agreement. Is a special joint guarantee loan, to open a risk fund deposit account in rural credit cooperatives, and by the members of the joint guarantee team and rural credit cooperatives * * * on the management, use, disposal and loss compensation of risk funds to reach an agreement.
(2) Apply for and provide the following information
(a) the loan application and commitment letter of the joint guarantee member;
② Business license, organization code certificate, tax registration certificate, loan card, etc. Loan applicants who have passed the annual inspection and members of the joint guarantee team;
(3) the identity certificates, articles of association or organizational documents of the legal representatives or responsible persons of the loan applicants and members of the joint guarantee team;
(4) Financial reports, audit reports, recent financial statements and statements notes of the loan applicant and members of the joint guarantee team in the past three years (small enterprises may not provide audit reports);
⑤ Other materials specified by rural credit cooperatives.
(3) Investigation, review and approval
Rural credit cooperatives conduct loan investigation, review and approval according to the relevant provisions of the Basic Operating Rules for Corporate Credit Business of Sichuan Rural Credit Cooperatives and the Detailed Rules for the Implementation of Small enterprise credit loans and Joint Guarantee Loans of Sichuan Rural Credit Cooperatives.
(4) Sign a contract
Rural credit cooperatives sign loan contracts and guarantee contracts with loan applicants, and handle relevant guarantee procedures.
(5) Withdrawal loan
After completing the relevant loan procedures, the rural credit cooperatives will directly transfer the loan to the basic deposit account opened by the borrower in the rural credit cooperatives in accordance with the loan contract, and use the loan in one lump sum or by stages.
(6) Repayment on schedule
The borrower shall repay the loan principal and interest in accordance with the loan contract.
If you have any questions, please consult Beijing Bao Tong Sheng Xing Investment Management Co., Ltd.
What is the process of two or three households' joint guarantee loan?
1. Establish a joint guarantee team: the joint guarantee team consists of three borrowers who live in the service area of the loan bank and have loan needs.
2. Submit the loan application: the members of the proposed joint guarantee team submit the "Application for Joint Guarantee Loan for Three Households" to the loan bank.
3. Loan qualification review: The loan bank reviews the basic information and loan information of the members of the joint guarantee team.
4. Signing a loan contract: After examination, sign a three-family joint loan contract with the loan unit.
5. Loan issuance and repayment agreement.
Three-household joint guarantee loan means that three individual industrial and commercial households or sole proprietorship business owners with business licenses form a joint guarantee team, and they can apply for loans from banks without other guarantees.
You only need to bring one original and one copy of the valid identity certificate, marriage certificate and business license of the borrower and his spouse (other merchants also need to bring these materials) to apply for a loan from the bank.
3. What is the process of joint guarantee loan?
Hello!
Generally, three or five households are jointly guaranteed.
Usually it is a chamber of commerce enterprise or affiliated enterprise, or an enterprise with good upstream and downstream relations, or an enterprise with a good personal relationship with the boss.
The bank conducts investigation, rating and credit granting on the joint guarantee, and then approves it.
According to the agreement, the joint venture shall deposit a certain margin in the designated account, generally 20%. Then the bank loans.
A joint venture shall bear joint and several liability.
If in doubt, please ask.
Four, who knows the specific process of China Agricultural Bank's three-household joint guarantee loan?
At present, ABC requires at least five joint insurance companies: 1. Conditions for forming a joint insurance company: (1) Having full capacity for civil conduct; (2) Set up an independent account, be financially independent, have a fixed residence in the service area of the lender, and the joint guarantee members shall not be the same family members; (3) Having a reasonable demand for loan funds; (4) Having legal and stable income or legal, valid and transferable assets, which are sufficient to repay the principal and interest of my loan, and being able to compensate other members of the UNPROFOR team for their repayment obligations; (five) to supervise the loan and settlement in China Agricultural Bank; (six) the domicile or main business premises of the UNPROFOR members should be relatively concentrated; (7) Each borrower can only apply to the lender in the form of a group, and all members will sign a joint guarantee agreement with the lender after the lender agrees. The UNPROFOR team was established on the date of signing the UNPROFOR agreement. Joint, the longest shall not exceed 3 years. Upon the expiration of the Joint Guarantee Agreement, with the consent of the Lender