As we all know, it is difficult for enterprises to borrow money, especially small enterprises. It is even more difficult to apply for a loan by yourself. It is naturally better to deposit interest after the same period. What should enterprises do to save interest skillfully in loans?
(1) Select a bank.
Compared with companies, choosing bank loans saves more interest, and the interest expenses of banks are much lower than those of companies. In addition, some banks will implement the annualized interest rate according to the benchmark stipulated by the state, so it is best for small enterprises to choose these banks to apply for corporate loans.
(2) combinatorial optimization
The loan method is the lowest expected annualized interest rate of bank loan business, and corporate borrowers should consider choosing this loan method more to reduce the interest payment of corporate loans and reduce the loan burden of small enterprises.
(3) Term selection
The expected annualized interest rate of the loan can be divided into six months and one year. It is stipulated that the expected annualized interest rate of the half-year grade should be within six months of the loan term, and the expected annualized interest rate of the one-year grade should be more than six months and less than one year. Because the time of the borrower's predicted capital demand and the term of the loan contract signed often do not coincide with the time of the agreed expected annualized interest rate of the loan, in practice, the expected annualized interest rate difference of loans with various terms will naturally form.
(4) Reasonable scheme
Services provided by professional institutions in folk credit are also one of the ways for small businesses to borrow money. Compared with banks, the main advantages of private lending are fast speed and simple procedures. Borrowers can choose different loan schemes according to their own needs.
I think how to save interest skillfully needs to combine the specific needs of small enterprises, their own situation, loan time and loan application amount, and finally choose the loan method suitable for their own enterprises.
What about the company's loan
Choose a good enterprise loan type
Pure credit: tax loan and invoice loan.
Mortgage loan: operating mortgage loan
Look at your own business situation.
Establishment time: the minimum establishment time for corporate loans of general banks is over 1 year, and generally it is between 1-3 years;
Company size: Many products will set different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount, quota increase, etc., such as enterprises that recruit disabled people, accept veterans' employment, or enterprises that meet other standards;
Business data: generally, the business process, tax payment data and invoice data of the enterprise are used as the reference for credit granting. The better the data, the higher the credit line;
Bad record: whether the enterprise has execution record or judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;
Industry: whether it belongs to forbidden industries (such as three highs and one limit, finance, entertainment, teaching and training, etc.). ), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;
Location: Many bank products have geographical restrictions. You can read the detailed product introduction before applying to avoid wasting credit information.
Conditions of opinion person/shareholder.
Age of legal person: For corporate loan products of general banks, the applicant is required to be a corporate legal person or a shareholder with more shares, and must be 18 years of age or older. In fact, most banks require them to be over 20 years old;
Legal person's credit investigation: Credit investigation is the key investigation, and it is best to have no overdue records, frequent inquiry records and white households. Products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that a large amount of money cannot be overdue for more than three times in a row, no more than three times in one month, no more than five times in two months and no more than eight times in three months.
Mortgaged property right: If the husband and wife jointly own real estate, they need to check the spouse's credit information when handling mortgage loans. Some products will relax access requirements, and assets under shareholders' names can also be mortgaged;
Determine the product and application method
At present, there are two ways: offline application and online application. The advantage of online application is that it does not need paper documents, but can be operated on a computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.
Small and micro enterprise loan business knowledge
1. What skills do small and micro enterprises need to master in lending?
It is difficult for small and micro enterprises to borrow money, in fact, as long as they choose the right method.
The loan difficulty can be well solved. Below we give two types of loan financing schemes for small and micro enterprises.
A kind of enterprise problem: there are good projects and good plans, but there are no methods of starting capital and working capital: through the support of financial experts, seek "venture capital" for financing. The main goal of financing is to win private capital and small and micro enterprise loan products launched by some banks.
Second-class enterprise problems: the company has certain investment, but the company system is not perfect, the finance is not clear, and the business risk is high. Methods: First of all, enterprises must be integrated to make their systems perfect and their finances clear.
Secondly, if your own assets are insufficient, you can make a loan through "factoring business", that is, with the help of the reputation of the enterprise with which you have a debt relationship. Thirdly, you can also use the large amount of funds provided by enterprise suppliers to revitalize the cash flow of enterprises.
2. What is the basis for the success of small and micro enterprise loans?
1, behave yourself and never deviate.
As the operators of small and micro enterprises, we must attach importance to the market value of honesty and strive to establish the external image of honesty and credit from now on. We must behave ourselves, operate legally, never deviate from the rules, be smart and keep our promises. The honest image of the enterprise will accompany you all your life and bring you unexpected wealth. 2, slow and steady, step by step to win.
In order to live within our means, we must first calculate the profit point and repayment ability, and don't ask for a loan of 2 million for 500 thousand funds. The loan period is also realistic. Don't guarantee that you can pay back the money in one year: "six months is enough."
In addition, the limited funds should focus on the main business, and do not require all-round flowering, all-round results, and eating into a fat man. 3. Master tools and use them flexibly.
Facing the trend of economic globalization, it is not enough for operators to know their own products, but also to learn financial management knowledge, be familiar with financial tools and operate financial products flexibly. For example, there are many kinds of bank loans, such as movable property and real estate mortgage loans, patent intellectual property mortgage loans, factory equipment mortgage loans, natural person property mortgage or guarantee loans, export tax rebate mortgage loans, standard warehouse receipt mortgage loans and so on.
For import and export enterprises, they can also use various bank trade financing flexibly, such as bill discount, letter of credit, buyer's credit and letter of guarantee. There are also many financing channels for enterprises, including direct financing and indirect financing.
For direct financing, science and technology enterprises can strive for national innovation fund funding and interest subsidies; You can also attract partners, participate in shares, and strengthen alliances. Indirect financing, if you need to purchase large equipment, you can engage in financial leasing; If short-term funds are in short supply, you can change positions at the pawnshop.
4. recognize relatives and make friends until the end. Some enterprises mistakenly believe that it is convenient to borrow money after making friends with banks, so that they open accounts in more than a dozen banks.
Regardless of the "capital cost" of each account, just saying "emotional cost" is enough for you to cope with. Enterprises should choose nearby banks that you think serve well to open accounts and settle accounts. This has the advantage of centralized fund settlement, so that banks can see that your trade is booming and your sincerity is seen.
The more you let the bank know about you, the more you can make friends and even become a friend in need. The bank knows everything about you and is willing to help you at a critical moment.
As an operator, it is necessary to put an end to all kinds of unhealthy practices in business and establish integrity in order to get the support of banks and society.
3. What are the precautions for small and micro enterprise loans?
Small and micro business owners with complete materials must first prepare the necessary basic materials and apply for loans at the bank. The bank will conduct on-site investigation according to the materials, inquire about the company's settlement amount, daily average deposit amount and shareholders' credit status, and determine the loan amount. Subsequently, the staff will declare in the bank, and if the declaration is passed, the loan can be issued.
If the documents are complete, a credit loan can be completed in about 10 working days. Basic information includes business license, organization code certificate, tax registration certificate, articles of association, loan card and account opening permit (the latter two can be handled at the People's Bank of China).
Money needs to be used for business operation rather than fixed investment. In fact, in order to reduce risks, banks have taken a series of measures. For example, in the loan conditions, the bank stipulates that once the money problem occurs, the enterprise is mainly jointly and severally liable. When making a loan, the business owner has to show the real estate information to determine the strength of the business, although the real estate is not needed as collateral.
In addition, the bank also restricted the use of loan funds. According to bank regulations, money needs to be used for business operations, not for fixed investment, and not for buying stocks.
If the bank approves the loan, it will also monitor the account and take measures once it finds the money problem.
4. What should we pay attention to when lending to small and micro enterprises?
1。
Select the corresponding bank. Many big banks are very harsh on their loans because of the practical problems such as asymmetric information, lack of guarantee, high transaction cost and high risk coefficient.
However, some characteristic banks will mainly provide loans to small and micro enterprises to help small enterprises grow together through differentiated services. For example, in the case, city commercial banks have innovated the "three products and three tables" of "people, products and collateral" and "water meter, electricity meter and customs report" through the sinking service such as dicing operation and fixed-point appointment, which effectively solved the risk control problem in microfinance.
2。 Choose the right loan product.
In the early stage of development, not only the frequency of receiving orders and hoarding goods is irregular, but also the quantity, quality and price of purchases are different. In addition, they lack effective mortgage and guarantee methods. Therefore, some conservative normalized loan products do not meet the needs of such small business owners in terms of loan conditions, approval time and repayment constraints. Therefore, in view of the short, frequent and urgent loan demand, small business owners should try their best to choose flexible, efficient and fast loan products to meet their own financing needs. For example, the bank's credit cards, e-commerce loans, one-time loans and other products are tailor-made for small business owners.
3。 Long-term cooperation.
When accepting loan applications from small enterprises, banks will conduct detailed understanding and investigation on the business conditions, assets and liabilities, development trends, etc. of the enterprises, fully grasp the enterprise dynamics, and conduct risk control and management through various investigation techniques. If the enterprise cooperates with the bank for a long time, the bank can grasp the financial situation of the enterprise, understand the enterprise information, loan credit and capital flow, and save the time of pre-loan investigation.
5. What is a small and micro enterprise loan?
Personal business loans refer to loans issued by banks to borrowers for legal production and business activities such as relocation, purchase or renewal of business equipment, payment of rent for leased business premises, and decoration of commercial houses.
The application conditions are as follows: (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) It has full capacity for civil conduct and is the legal person or the largest shareholder of the enterprise using the loan.
(3) Having a valid business license and legal person code certificate, the enterprise has no bad credit record, operates according to law, pays taxes according to law, and has a good performance. (4) Personal property with high economic income and sufficient value has the ability to repay the loan principal and interest on schedule.
(5) Having no bad credit and debt records, and being able to provide mortgage, pledge or guarantee recognized by the bank. (6) Other conditions stipulated by the bank.
6. What should I pay attention to when lending to small and micro enterprises?
1. Good corporate credit is very important. As far as I know, banks will examine the credit situation of small and micro enterprises from four aspects: first, bank credit mainly depends on whether enterprises have illegal settlement discipline and fines in cash settlement business, and whether there is overdue repayment of previous bank loans; The second is commercial credit, which mainly depends on whether the enterprise fulfills its contractual obligations according to regulations and whether it pays off its debts on time; The third is financial credit, which mainly depends on whether the financial statements are true and reliable; The fourth is tax credit, which mainly depends on whether the enterprise has a record of tax evasion.
If small and micro enterprises can realize these aspects well, loans will be relatively easy. 2. Choosing the right loan products At present, many banks have launched a series of loan products specifically for small and micro enterprises, but the requirements of different products are also very different. Therefore, when choosing loan products, business owners should compare with many others to find the right one and improve work efficiency.
3. Make clear the amount of the loan required. If the loan funds are insufficient, it will definitely restrict the development of enterprises, but too much loan funds will not only increase costs, but also waste resources. Therefore, borrowers must consider this issue before lending money.
4. Determining the loan term It is very important to determine a reasonable loan term, because the longer the term, the more interest will be paid, so the borrowing enterprise needs to determine a reasonable loan term according to its own actual situation.
7. What are the steps for small and micro enterprise loans?
Investigation stage: applicants need to investigate which banks and institutions in their cities have loans for small and micro enterprises to see whether their conditions are met, what kind of loans are suitable for their own enterprises, the specific loan amount, term, requirements and the preparation of application materials.
Preparatory stage: After the first stage of investigation, I have a certain understanding of the loan products for small and micro enterprises. At this time, it is necessary to determine the banks and related products that want to apply for loans, and prepare application materials according to the requirements of loan products. To apply for guarantee or mortgage loan, the applicant needs to apply for the corresponding mortgage property certificate or prepare the relevant materials of the guarantor at this stage.
Application stage: you can apply to the bank after you have prepared the information. At this stage, you need to fill in the application form, submit the application materials and prepare the loan card according to the requirements of the bank.
The bank will review the information you submitted and inform the applicant that the application has been approved. Processing stage: entering this stage means that the applicant has completed the loan application.
Applicants need to sign guarantee contracts with guarantors, loan contracts with banks, and different types of contracts such as real estate mortgage contracts and loan use certificates. After the bank implements the loan conditions, it goes through the loan formalities according to the prescribed procedures and transfers the loan funds into the account opened by the borrower in the bank.
Repayment stage: this stage means that the applicant needs to repay the loan on time and according to the contract. Both enterprises and individuals should have the consciousness of repayment on time, because breach of contract will have a negative impact on their credit records and related financial business in banks in the later period, which is not worth the candle.
What are the auto financing company loans? Detailed description of Volkswagen's six major loan plans
At present, there are three main ways of auto loans: bank loans, auto finance company loans and other ways of loans. Well-known auto brands of auto financing companies basically have their own auto financing loans. For example, the general brand has general finance. Ford brand has its own Ford auto finance. Volkswagen has Volkswagen's auto finance. So which of these auto financing companies' loan schemes is more cost-effective?
Let's take Volkswagen as an example to introduce the detailed loan scheme of the auto finance company in detail.
common people
Volkswagen Finance Company mainly provides six financial schemes, covering all models of FAW-Volkswagen, Shanghai Volkswagen and imported Volkswagen. The six schemes are standard credit, flexible credit, privileged balance loan, exquisite easy loan, super leap loan-standard credit and super leap loan-flexible credit. The following is a detailed introduction.
Standard credit: it belongs to the traditional loan scheme, that is, down payment plus monthly fixed repayment, which is simple and easy to operate. Consumers can install a loan contract to pay the down payment (starting from 20%), and the loan period is up to 5 years; Consumers should make equal monthly repayment within the loan term (12~60 months) according to the loan contract.
Flexible credit: It is an innovative credit product with flexible and controllable balance except down payment and monthly payment. In addition to the down payment (starting from 20% of the car price) and the equal monthly payment, it also has an elastic balance payment of 25% of the loan amount, and the loan period is 12 to 48 months. The payment method of flexible credit reduces the monthly payment of consumers, and also gives consumers more choices when the loan contract expires, such as: paying off the flexible balance at one time and obtaining complete car ownership; Extend the elastic balance and apply for a second loan; With the help of the car dealer, change the new car into a used car.
Enjoy balanced loan: it is also a brand-new loan method for Volkswagen, with a down payment of 50%, a loan term of 12 months, and a final payment of 50% of the car price in the last month. This product is suitable for consumers who are short of funds in the short term, during which customers only bear a low monthly payment. At the end of the repayment period, in addition to paying the final payment in one lump sum, consumers can also choose to replace the new car or postpone the final payment.
Linglong Easy Loan: It is a product with low down payment and low monthly payment. The down payment is 30%, the loan period is 36 months, and the elastic balance payment of 35% of the car price is paid in the last month. At the end of the repayment period, in addition to paying off the final payment, the customer can also choose to replace the new car or extend the final payment.
Super "leap" loan-standard credit: The advantage lies in simple procedures (one ID card, one loan application form). The down payment of this product is not less than 65% of the car price, and the loan period is 12~36 months, with equal monthly payment. Consumers can reply within 2 hours after applying for this product, and lend money within 24 hours. Suitable for people who just need and want to pick up the car quickly.
Super "leap" loan-flexible credit: the advantages are the same as those of the previous products, but the same is that the procedures are simple. Consumers only need an ID card and fill out a loan application form to apply. The down payment shall be no less than 65% of the car price, and the monthly payment shall be ultra-low. The final payment shall be paid in the12nd month.
Let's take the golf comfort model as an example. The official guide price of bare car of this model is 10000 yuan, so as to calculate and compare various schemes.
Be widely used
As one of the earliest companies involved in auto finance, Shanghai GM has formed a mature system in providing financial services to consumers. SAIC-GM not only covers Buick, Chevrolet and other brands, but also provides loan services for other brands, such as Wuling, Baojun, Chang 'an and Great Wall. SAIC General Finance mainly provides five loan schemes: equal repayment, equal principal repayment, worry-free smart loan, smart repayment and installment repayment. The following is a detailed introduction. Be widely used
Equal repayment: that is, within the loan period, the repayment amount of each installment is the same. The loan term is 12-60 months, and the down payment is as low as 20%. According to consumers' personal qualifications and purchase models, design exclusive solutions.
Average capital repayment method: that is, within the loan period, the repayment amount of each installment is gradually decreasing. The loan term is 12-60 months, and the down payment is as low as 20%. According to the applicant's qualification and the type of car purchased, design the exclusive scheme.
Worry-free smart loan: commonly known as "half loan and half payment", 50% repayment at the end of the loan period. At the same time, at the end of the loan period, you have three options, namely, paying off the balance in full, applying for extension 12 months, and replacing the used car.
Intelligent repayment: the loan is divided into two parts, the first part and the last part. At the end of the loan period, there are three options: paying off the wisdom balance in full; Apply for extension 12 months; Used car replacement. Suitable for groups whose income will have a lot of extra income in a certain period of time and whose consumption attitude is avant-garde.
Installment repayment: divide the loan into several stages, and each stage contains several repayment periods; In each single paragraph, the total repayment amount of each period is different; At the end of the loan period, there are two options: paying off the balance in full; Used car replacement. Suitable for groups whose cash flow fluctuates greatly and is relatively regular.
Let's take the manual classic of Buick New Excelle as an example. The official guide price of this model naked car is 10000 yuan, so as to calculate and compare various schemes.
How does Changzhou Loan Company borrow money?
There are three main loan schemes, one is personal credit loan, the other is personal mortgage loan, and the third is individual.
1, personal credit loan
Applicable target: high-income people.
Skill trick: get a large loan from a bank with good personal credit and high monthly income.
Scheme introduction: Personal credit loans require borrowers to have no bad credit records in their personal credit reports. On this basis, the bank determines the loan amount according to the borrower's monthly income. Generally speaking, the loan amount is about 10 times of the borrower's monthly income, up to 15 times. In other words, the higher the income, the easier it is to get large loans from banks.
2. Personal mortgage loan
Applicable object: people with mortgages.
Skills: mortgage assets in my own name and the name of a third party, and obtain a large number of bank loans.
Scheme introduction: Personal mortgage loan requires the borrower to provide collateral as a guarantee. Generally speaking, assets that can be used as collateral include real estate, land use rights, cars, machinery and equipment, etc. Banks mainly determine the loan amount according to the assessed value of collateral. In other words, the higher the assessed value of collateral, the higher the loan amount.
3. Individuals
Applicable object: people with pledge.
Skills and tricks: pledge assets in the name of yourself and a third party and obtain a large number of bank loans.
Scheme introduction: Individuals require borrowers to provide collateral. The assets that can be pledged are mainly government bonds, promissory notes, certificates of deposit, gold and insurance policies. The bank mainly determines the loan amount according to the cash value of the pledge. In other words, the higher the cash value of the pledge, the higher the possibility of obtaining a large loan from the bank.
Prepayment is generally divided into two ways: partial prepayment and full prepayment.
According to the different repayment methods, the borrower can choose to reduce the term or amount. It is understood that at present, most banks can provide five ways to repay loans in advance for customers to choose from.
First, all loans are repaid in advance, that is, customers pay off all remaining loans at one time. (There is no need to repay the interest, but it will not be refunded if it is paid)
Second, a part of the loan will be repaid in advance, and the monthly repayment amount of the remaining loan will remain unchanged, thus shortening the repayment cycle. (save more interest)
Third, repay some loans in advance, reduce the monthly repayment amount of the remaining loans, and keep the repayment period unchanged. (Reduce the monthly payment burden, but less than the second type)
Fourth, repay some loans in advance, reduce the monthly repayment amount of the remaining loans and shorten the repayment cycle. (save more interest)
Fifth, the remaining loans keep the total principal unchanged and only shorten the repayment period. (The monthly payment will increase and the interest will decrease, but it is relatively uneconomical.)
The introduction of the company loan scheme and how to design the company loan scheme is over. I wonder if you found the information you need from it?