More than 65438+ 10,000.

There are many products for corporate loans, and not all loans need collateral.

For example, enterprises apply for short-term loans by means of credit loans without collateral.

Therefore, you can apply for an unsecured loan. However, if you have collateral, you can apply for a mortgage loan, and you can undoubtedly apply for a higher loan.

Does Bank of Communications need mortgage for small and micro enterprise loans?

Generally speaking, the small and micro loans of Bank of Communications do not need to be paid off, but it depends on the size and personal reputation of the bank. Bank of Communications is one of the four state-owned banks and a state-controlled joint-stock bank. Bank of Communications has a high reputation and a large scale in China, and its loan amount is higher than that of other banks and similar private banks. Under normal circumstances, enterprises don't need to pay off debts within 6,543,800 yuan, but banks will require a guarantor, and the interest will still be higher than that of private loans. If the loan amount is greater than or higher than 654.38+00,000, the bank will require a mortgage, because some small enterprises are not particularly well developed, and banks will consider that there are certain risks, so they will require enterprises to have a mortgage. If you know people inside the bank, the situation will be much better and the loan interest will be lower.

What are the requirements for applying for enterprise credit loans?

1, and the credit rating of corporate customers is at least AA- or above; The enterprise has been established for more than 3 years and is in good operating condition; The applicant applying for enterprise credit loans has a good credit, and his personal loan has no overdue record for nearly three months; , enterprise management norms, no evasion of debts, arrears of interest and other bad credit records; The company's operating income and profits have increased continuously in the past three years; The asset-liability ratio of the enterprise is controlled within a good range of 60%, and the cash flow is sufficient and stable; The invoice amount of enterprises applying for enterprise credit loans in the past six months is about 6.5438+0.5 million; Enterprises need to have annual reports for the last two years, invoices for the last six consecutive months, and monthly reports for the last month; The enterprise promises not to mortgage (pledge) or provide guarantee for others with its effective operating assets, and must obtain the consent of the loan bank before this; Only when these conditions are met can you apply for enterprise credit loans. In addition, although corporate loans do not need collateral, some banks still need corporate guarantees. The guarantee methods include mortgage guarantee, pledge guarantee, natural person guarantee, guarantee company guarantee and other company guarantees. In addition, different institutions have different conditions for enterprise credit loans. Friends who want to apply for enterprise credit loans can directly consult local banks or lending institutions.

How can an enterprise borrow money without collateral? There are several ways!

Liquidity is essential for a normal business enterprise, which can meet daily operations, expand scale, purchase assets and so on. The most effective way to obtain working capital is to apply for corporate loans. What if the enterprise has no assets available for mortgage? You can consider these loan methods.

1, credit loan

It is very common in enterprise credit loans now. This kind of loan does not need mortgage guarantee, as long as the enterprise has "soft power", such as sufficient tax payment, invoiced amount, excellent credit information, good development and government support for the industry. , have a chance to get enterprise credit loans.

The enterprise has been established for more than 3 years, with no overdue loans in the past 3 months, a debt ratio of no more than 60%, and no illegal acts such as tax evasion. You can try to apply for a credit loan.

2. Guaranteed loan

If there is no collateral in the name, you can ask a powerful individual or enterprise to be a guarantor to provide joint liability guarantee for the borrower. If the enterprise can't repay the loan on time, the guarantor needs to bear the repayment responsibility according to the contract.

3. Discounted bill loans

Many enterprises have unexpired commercial bills and acceptance bills, which can be used to realize them to banks or discount companies. This is also a good loan method, suitable for enterprises with many bills.

In short, you can apply for corporate loans without collateral, but the success rate and amount of loans will be much lower. Enterprises can try to find some city commercial banks or loan companies with lower thresholds, or provide loan services with much lower requirements.

What is the collateral for corporate loans?

What are the collateral that enterprises can use for loans?

The property of many enterprises can be used as collateral for mortgage loans, which can be summarized as follows:

1, first of all, of course, is the real estate and real estate of enterprises, such as factories and land with property rights. This kind of property is also the most acceptable collateral for lending institutions.

2, enterprise equipment, transportation, etc. Such as power equipment, working machinery, scientific research instruments and other production equipment; The vehicle can be a vehicle, transportation equipment, etc.

3. The current assets of the enterprise. Such as fuel, commodities, bills of lading, etc.

4. Enterprise securities. Such as treasury bills, financial bonds, bank bills, company stocks and other securities owned by enterprises according to law.

5. Intangible assets of enterprises. It mainly includes intangible assets such as copyright, trademark right and patent right, and this kind of collateral is usually used more.

What are the types of corporate loans?

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. At present, corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, single certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or agreed interest-bearing bills discounting, domestic recourse factoring, and export tax rebate account custody loans.

What is the interest rate of corporate loans, and what do corporate mortgage loans need at present?

Hello, the premise of our enterprise loan is to open an enterprise settlement account in our bank, and we need to provide certain collateral, which can be the property of the legal representative or shareholders, factories and equipment under the name of the enterprise. Some branches of the bank carry out special business. If you see/receive similar publicity information, you need to contact the account manager of the local branch or sub-branch for details. The nominal loan amount of a company is generally more than 5 million yuan. If the loan demand is below 5 million, you can consider personal business loans or small and micro enterprise loans.

The latest PBOC loan interest rate has been published on our website, and the corporate loan interest rate fluctuates (ranging from 0.9 to 1.7). Please (ctrlc) open the following website: cmbchina/...cdrate.

(If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support! )

What are the characteristics of enterprise fixed assets mortgage loan?

1. Long-term loan term

Compared with the production of general products, the reproduction of fixed assets has the characteristics of huge scale and long production cycle, so the loan period of fixed assets loans is also longer than that of general short-term loans.

2. Dual planning

Fixed assets loan projects should not only be included in the national fixed assets investment plan and have construction conditions, but also be bound by the fixed assets loan scale determined by the credit plan.

3. Management continuity

The supervision and management of working capital loans is generally limited to the production or circulation process, while fixed assets loans should be managed not only during the construction process, but also after the project is completed and put into operation until all principal and interest are paid off.

What can be used as collateral for chattel mortgage loan?

1. Special movable property such as airplanes, ships and automobiles. The particularity of this kind of movable property is that its ownership status is determined by registration, and its transaction must also be registered. So some people call it quasi-real estate, and they can also call it registered real estate. Compulsory registration of this kind of movable property is the need of the state's administrative management of movable property with strong liquidity and great value. Like real estate, the publicity effect of mortgage can be achieved through registration.

2. Machinery and equipment, farm tools and livestock of the enterprise. This kind of movable property is necessary for the production of enterprises or farmers, and only mortgage guarantee can be set up. Therefore, I think we should set up a special registration system and registration authority for this kind of movable property. It should be said that it is more convenient for the third party to master this kind of movable property by carrying out special mortgage registration and stipulating the inquiry obligation of the third party. Moreover, the mobility of these types of movable property is small, and the registration system will not have much impact on the smooth transaction. However, it should be noted that the livestock that can be mortgaged should be limited to productive livestock, and it is not allowed to set mortgages for unproductive people such as sheep, pigs, chickens and ducks.

3. The products, materials and other movables of the enterprise. Because this kind of movable property has great liquidity, allowing mortgage is obviously not conducive to protecting the interests of the mortgagee and the third party. However, adopting the registration system and stipulating the inquiry obligation of the third party will inevitably affect the normal conduct of the transaction. Therefore, this kind of movable property should not be allowed to set up a mortgage separately, but it can set up a floating guarantee together with other property of the enterprise.

The above are some regulations in chattel mortgage loan, I hope I can help you.

What information does the enterprise loan guarantee need to provide?

Do you mean the information to be provided by the enterprise as the borrower or the information to be provided by the enterprise as the guarantor? 1. Information required by the borrower: 1, original business license (with annual inspection mark); 2. Organization code certificate; 4. Tax registration certificate; 5. Loan card; 7. Articles of association or partnership agreement; 8. Reports at the end of the last two years and recent reports; 8. ID card and certificate of the legal representative; 9. Capital verification report; 2. Information provided by the guarantor: 1.

If a company or enterprise wants a loan, management right, ownership or something, it can be mortgaged.

Companies or enterprises can mortgage real estate, equipment, vehicles, products, etc. If they want to borrow money, in short, as long as they have their own ownership, there is no external mortgage.

In addition, you can mortgage equity loans.

In addition, if there is no collateral, you can also find a third party to guarantee the mortgage loan, that is, mortgage the loan with the assets of a third party. Of course, you must negotiate with a third party.

What are the best mortgage companies? Ask the insiders to answer? thank you

Hong Xing Finance and Loan Company. It is very famous in Beijing, and all cities in China 160 can mortgage loans, with a wide range, fast lending and relatively simple process.

What are the mortgage companies? Mainly want to be an agent with a score of 100.

The requirements of banks in different regions may be different, depending on the application conditions of local banks.

Real estate mortgage loan conditions:

1,18-a natural person aged 65;

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. There is no illegal act;

4. Good credit information and bad credit records;

5. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

6. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

7. The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

8. Real estate can enter the real estate market without any other mortgage;

9. The sum of the housing age and the loan application period cannot exceed 40 years;

10. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

1 1, other conditions stipulated by the bank.

What are the loan channels for small and medium-sized enterprises in China?

Generally speaking, SME loans are divided into mortgage loans and. There are several ways to subdivide:

SME loan methods I. Comprehensive credit granting

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 this money by stages according to their own business conditions, and it is very convenient for enterprises to borrow money, which also 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.

SME loan mode II. Credit guarantee loan

At present, there are 3 1 provinces and cities in China, and 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 local financial allocations, 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.

Mode 3 of SME loan. Project development loan

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.

Loan methods for small and medium-sized enterprises. Natural person guaranteed loan

In August, 2002, China Industrial and Commercial Bank took the lead in launching the secured loan business for natural persons. In the future, when domestic institutions of China Industrial and Commercial Bank handle the credit business of small and medium-sized enterprises with a term of less than 3 years, natural persons can provide property guarantee and bear the liability for compensation. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

SME loan methods V. 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. The basic procedures for handling personal entrusted loans are:

1. The principal applies for a loan from the bank.

2. The bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.

3. The client and the borrower meet directly to negotiate and make a decision on specific matters and details such as loan amount, interest rate, loan term and repayment method.

4. After the borrower and lender negotiate the requirements, they go to the bank together and sign the entrustment agreement with the bank respectively.

5. The bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.

Loan methods for small and medium-sized enterprises. Discounted bill loan

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. such ......

So much for the introduction of corporate loan mortgage.