1, mortgage loan. Mortgage assets such as real estate or land to guarantee companies, such as second-loan finance, can get money quickly, and if the amount is not particularly high, you can go to the bank.
2. Use tax credit loans (supported by some banks). A bank loan obtained by virtue of an enterprise's operating ability and credit.
Several ways, application conditions, loan amount and interest rate of enterprise loans;
First, corporate mortgage loans.
Mortgage loan is a common way for small enterprises to operate loans. Generally, you apply for a loan from a guarantee company or a bank through mortgaged real estate.
Collateral is usually a car, real estate or factory under the name of an enterprise.
The general loan amount can reach about 70% of the real estate assessment value, and the loan approval process is relatively fast, with a general period of about 3 to 15 days, a loan term of 1-5 years, and an interest rate increase of about 20%-30%.
Take the real estate pledge of the second loan financial loan company as an example;
● Application conditions
1 from China
2. The borrower must be a natural person with full civil capacity at the age of 18-65.
3. Commercial housing that can be listed and traded in six districts of the city (Haidian, Fengtai, Chaoyang, Dongcheng, Xicheng and Shijingshan)
4. Houses in Beijing suburbs after 2008 (Shunyi, Changping, Tongzhou, Daxing and Fangshan)
● Required materials
have a capacity/bumper/crowded/packed audience
1. Original ID card (for married couples)
2. Original household registration book (married parties)
3. Original marriage certificate (or divorce certificate+divorce agreement/court verdict, death certificate)
4. Original Property Ownership Certificate
5. Purchase contract
B, installment housing
1. Original ID card (for married couples)
2. Original household registration book (married parties)
3. Original marriage certificate (or divorce certificate+divorce agreement/court verdict, death certificate)
4. Original Property Ownership Certificate
5. Purchase contract
6. Original repayment card
7. Original bank loan contract
Note: If the owner is unmarried, the owner will come forward to provide the above materials.
If the owner is married, the owner and his wife will come forward and provide the above materials.
● Treatment process
1, customer consultation (customers bring information to the company for interview)
2. The customer fills in the application form for the customer to handle the business, and takes the real estate license to the credit department for evaluation.
3. Report on the financial real estate appraisal form of the second loan issued by the credit department.
4. The account manager holds the real estate license, the customer handles the business application form, and the second loan financial real estate evaluation form finds the right management department to get the contract.
5. The account manager signs the loan contract (real estate) with the customer in triplicate, and the Beijing house lease contract in duplicate, with a statement of not letting, and a warm reminder in duplicate.
6. The risk control department shall review the data and handle notarization.
7. Home Visit of Risk Control Department
8. The risk control department went to the Construction Committee to handle the mortgage.
9. Relevant information shall be reviewed and filed by financial personnel.
10, lending
Second, use tax credit loans.
In addition to their own operational strength, many regions have developed financial business with tax credit loans. This financial product encourages business owners to pay taxes according to law, and obtain corresponding loans by virtue of tax credit rating. The higher the tax credit, the lower the loan interest rate.
Third, the merchant guarantees.
Among them, merchant joint guarantee is another unsecured loan method for enterprises. Although it is a pity that the loan amount is not high, at present, this kind of loan method has a high voice in the market.
Merchant joint guarantee means that three individual industrial and commercial households or sole proprietorship business owners with business licenses form a joint guarantee group, and they can apply for loans from banks without other guarantees.
Under normal circumstances, the maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas), the loan period is 654.38+ 0-3 years, and the interest rate rises by about 20%-30%.
The overall process of lending to guarantee companies:
First, enterprises apply for guarantees from guarantee companies;
Then, the guarantee company inspects the operation, financial status and mortgaged assets of the enterprise, and initially determines whether to give a guarantee;
Third, the guarantee company communicates with the handling bank to further grasp the enterprise information provided by the bank and clarify the loan amount and term of the enterprise;
Fourth, the guarantee company signed a loan guarantee and counter-guarantee agreement with the enterprise, went through the formalities of asset mortgage registration, signed a guarantee contract with the bank, and the three parties formally established the guarantee relationship;
Fifth, bank loans, while charging guarantee fees to enterprises;
Sixth, the guarantee company tracks the loan use and operation of enterprises;
Seventh, the guarantee company reminds enterprises to repay loans, so that enterprises can prepare for repayment in advance;
Eighth, cancel the mortgage registration and guarantee relationship with banks and enterprises with the enterprise's bank repayment form;
Ninth, record the credit situation of this loan guarantee;
Tenth, all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantees, should be filed and sealed for future reference.
Friendly reminder: to apply for a loan, you need to find a formal secured loan company. Informal channels may have low interest rates and high loan amounts, but once they are in into the pit, they must be both material and financial.
Disclaimer: This article comes from Second Loan Finance, please indicate the source.