Many small and medium-sized enterprises in Kaifeng, Henan need financial support to operate production or expand their scale, and loans are undoubtedly the fastest way to get money. However, corporate loans are not random loans. We must use the right method. Let's have a look.

How to borrow loans from Kaifeng enterprises?

The loan channels of Kaifeng enterprises generally include banks and finance companies. No matter which channel, the way to handle loans is actually similar, which can be divided into unsecured loans and mortgage loans. Different loan methods have different requirements. Let's have a look.

1, unsecured loan

In fact, it is a kind of enterprise credit loans, which does not need to provide assets as collateral to lending institutions, but relies on the business ability and credit of enterprises to obtain loans.

There are many kinds of loans, such as tax loans, bill loans and running loans. These are all based on the comprehensive situation of the enterprise. This kind of loan is risky, the loan amount will not be high and the term will not be long. According to the requirements of lending institutions, the interest rate may rise a little on the basis of the benchmark interest rate.

2. Mortgage loan

Apply for a loan from a loan company with assets such as real estate mortgage (houses, shops, office buildings, etc.). ) as a legal person, shareholder or a third party as collateral for the working capital of the enterprise.

Approving the loan is relatively fast, and the loan will be successful in about 15 days, and the longest is 5 years, and the interest rate will rise by about 20%~30%. The amount is also relatively high, depending on the collateral. For example, the maximum loan for real estate is 70% of the real estate assessment price. The mortgage loan must not be overdue, otherwise the collateral may be auctioned by the lending institution to recover the loan, which is very uneconomical.