The loan is personal and has nothing to do with whether you are bankrupt or not.
2. What loans can I apply for to do business in Zhengzhou? Look at these.
Zhengzhou is the capital city of Henan Province. As an important central city in the central region, it has been prosperous since ancient times and its economy has developed rapidly, attracting many people to do business in Zhengzhou. Doing business also needs financing. What loans can I apply for to do business in Zhengzhou?
What loan can I apply for to do business in Zhengzhou? It is suggested to apply for a business loan from a bank, which can provide credit support for the normal and reasonable capital demand of customers in production and business activities. However, there are several types of commercial loans for enterprises, such as mortgage loans and credit loans. Different types of loans have different requirements. Here are a few of them. 1. Mortgage loan is a loan issued with the property of the borrower or a third party as collateral, such as factory buildings, equipment, patents, etc. It is mainly based on the borrower's production and operation cycle, repayment ability, project evaluation and the lender's financial strength. And to decide the loan term, it is necessary to provide the ownership certificate of the collateral, the list of the collateral and the certificate that the authorized person agrees to mortgage, as well as other information needed by the bank. 2. Fixed assets loans, also known as project loans, are mainly used to solve the problems arising from the construction, purchase and renovation of fixed assets projects and the construction of corresponding supporting facilities. They have the advantages of long loan period and large amount, and can meet the investment capital needs of borrowers. 3. Credit loan refers to the loan issued by the bank with the credit of the borrower, without mortgage guarantee. This kind of loan requires the credit rating of the enterprise, at least AAA or AAA, and it must be established for more than 2~3 years before the honest tax paying enterprise can apply.
3. Zhengzhou Commercial Transfer Policy 2023?
Meet the application conditions for housing provident fund loans in this Municipality; The borrower must be the borrower or spouse of the original housing loan (the purchaser is required); The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance; The original commercial housing loan has been repaid for more than one year (inclusive), the credit record is good, and there is no overdue loan balance (the purchased property has obtained the property ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure; Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans; Never applied for a housing provident fund loan.
4. Is it reliable to make corporate tax loans through financial intermediaries?
We all know that intermediary is an indispensable industry in life. There are scalpers in the vehicle management office, ticket sellers at concerts and, of course, financial intermediaries when there are a lot of loans.
We all know that intermediary is an indispensable industry in life. We have a real estate agent to buy a house, a scalper agent to the vehicle management office, a conductor agent to the concert, and of course a large number of financial agents.
Then many people will say that I can handle these businesses by myself without going through an intermediary. Yes, we can do anything. However, there is an old saying in China that there is a specialization in the art and it is well-founded. Ben is busy, and so is he in business. He doesn't want to waste time on these little people to help him deal with things with smart people, because he can deal with things quickly and successfully and make money with time.
But I, looking for an intermediary, must go to a formal institution, or Bimai is recommended by an acquaintance. Because this is related to the safety of your funds, find a professional and reliable product scheme that can give you the most suitable and low matching degree.
So is it reliable to borrow money through financial intermediaries? It is reliable, there is no doubt about it. Formal financial institutions, specializing in financing information consultation for small and micro enterprises, can handle the formalities for you.
I am a loan officer in Zhengzhou, and I have a ridiculous credit practitioner. If you like, you can follow me through the intermediary. Yes, there is nothing wrong. We can do anything by ourselves. However, there is an old saying in China that there is a specialization in the art and it is well-founded. Because there are many people, he is very busy with his work and his business is trivial. He would rather pay professionals to help him deal with things successfully. A clever man, because he can get things done quickly and make money with time.
But when we need loan financing, we must go to a formal institution to find an intermediary, or an acquaintance to recommend all the questions, and find a professional and reliable one that can match you and has low product interest. There are other aspects that can be planned to suit you best.
So is it reliable to borrow money through financial intermediaries? It is reliable, there is no doubt about it. Formal financial institutions, specializing in inquiries, can go through the formalities for you.
Financial intermediaries themselves make money by taking advantage of information asymmetry. Intermediaries are familiar with the credit products and processes of banks, but most lenders have little knowledge of credit. They even think that there are many procedures for bank loans, and now banks have changed a lot. As long as the enterprise can meet the conditions of good credit information, tax grade B or above, non-loan industry and so on, the loans are similar.
For lenders, financial intermediaries who are familiar with the key points of bank audit and loan methods and processes will consciously "package" when applying, which will promote a greater probability of passing the audit of the bank's risk control department.
Of course, the disadvantages are equally obvious:
First, the cost is high, and some intermediaries charge service fees. The general market price is about 3 points of the total loan, which increases the financing cost.
Second, for their own interests, some intermediaries recommend some funders with higher credit interest rates to share profits in the background, which also pushes up the financing cost of lenders.
Third, at present, intermediaries in the financial industry are unscrupulous and fraudulent. Finally, they spent a lot of money and were cheated.
If all parties in the enterprise seek bank loans. Banks welcome quality customers very much. For enterprises with strong business ability, high-quality assets and good reputation, loans are not as difficult as expected!
You can trust me privately if you need to know more about the bank loan!
What is a financial intermediary?
Financial intermediary refers to a person or institution that acts as a medium or bridge between the supply and demand of funds in the financial market. John Gayle and Edwards. Xiao can divide financial intermediaries into two categories: monetary system and non-monetary intermediaries. The monetary system acts as an intermediary mechanism for buying primary securities and creating money; Non-monetary intermediaries only play an intermediary role, buying primary securities and creating monetary claims against themselves in the form of savings deposits, stocks, common stocks and other bonds.
Financial intermediaries are generally composed of bank financial intermediaries and non-bank financial intermediaries, including commercial banks, securities companies, insurance companies and information consulting services. Finance is the core of modern economy.
In modern market economy, financial activities are closely related to economic operation. The scope and quality of financial activities directly affect the performance of economic activities. Almost all financial activities are centered on financial intermediaries, so financial intermediaries occupy a very important position in economic activities.
With the deepening of economic financialization and the rapid advancement of economic globalization, financial intermediary itself has become a very complex system, and the operation of this system plays a very important role in the healthy development of economy and society.
Financial intermediaries are nothing more than cooperating with all banks and getting familiar with their import conditions and standards. Generally, there is a service charge for such services. Still have to look at the form before making a decision! ! !
There is no denying the existence of black intermediaries. I'm a loan agent myself. I can call the police in case of arbitrary charges. If I knew I matched that bank product, I could go to the bank myself!
Never look for an intermediary. I will personally apply for a tax loan from China Construction Bank. Intermediary is useless, audit is a system, and no one is sleepy.
Existence is valuable!
Financial loan intermediaries do have their unique advantages and can do things that we can't usually do!
My personal experience, in the Bank of Communications, for small and micro enterprise loans, the conditions are actually ok, but the stop-and-go supplementary information, stop-and-go supplementary information? Endless, finally sorry, I didn't do it!
Later, an intermediary was entrusted, and 70% of the appraisal price of the collateral was received in less than 10 days!
4% commission, saving real estate assessment 1 thousand! Five-year authorization, first interest, then funds, it seems that the annual interest rate is about 5%!
Short, flat and fast career.
Generally speaking, they are reliable. They have many loan businesses and can have a good cooperative relationship with banks, which is simpler than ordinary people. However, you must ask clearly about related matters and be cautious. First look at whether the financial intermediary is formal, don't pay the upfront fee, and then pay a certain handling fee after talking about the conditions.
Let's just say that if you can do it yourself, don't look for an intermediary.
Now tax loans are easy to handle, and all localities have their own online banking and tax interactive service platforms. After the taxpayer logs on the platform with the information reserved by the tax bureau, he can inquire about the credit line of the bank, then fill in the information and submit the application, and the bank will soon approve it. So the whole process is not particularly difficult. I really can't. I'm still in a hurry. You can also call the platform customer service to remind you.
Find an intermediary, don't say trustworthy, he has to collect money to do things for you. Just like sales, according to the total loan amount, you said you would lose money. If you urge him to do it quickly, tobacco, alcohol and tea can still run. So do it yourself.
Enterprises in Guizhou Province can pay attention to the online banking tax interactive service platform "Tax Letter Cloud" in the official account of WeChat, and it is very convenient to bid.
Financial intermediaries are nothing more than cooperating with banks and being familiar with their conditions and standards. Generally speaking, there is a service charge for this kind of service. If it is a tax loan borrowed from a bank through a financial intermediary company, it should be negotiated with the bank because it has not yet expired. According to the loan contract. Reliable financial companies cooperate with banks. Do you think it is reliable?
Do not find an intermediary if you meet the conditions. The intermediary just helps you organize information and run errands. They can't interfere with the audit results.
Your qualifications determine your grades and quotas.
Their advantage is that they know which policy is looser and which quota is higher. What you earn is information asymmetry.
All internal channels, packaging 100% are routine.