Where can I get corporate loans in Lishui? Choose the right product

1. Where can I get corporate loans in Lishui? Choose the right product

Lishui is the political, economic and cultural center of southwestern Zhejiang. Many small, medium and micro enterprises operate and produce in Lishui. Many of them are affected by the epidemic and need to rely on loans to maintain operations and production. So, How to get a business loan in Lishui? Here is a brief introduction.

Where can I get corporate loans in Lishui? In fact, Lishui corporate loans can be simply summarized into two channels, one is online application and the other is offline application. Offline applications are generally made to a bank branch with local outlets in Lishui, or to a local private loan company with lending qualifications. You need to provide a legal person ID card, loan card, financial statements of a specified period, business license, organization code certificate, tax Registration certificate, relevant industry qualification certificate or production license and other necessary information. Online application refers to processing through the bank's corporate website or online loan platform, submitting the loan application online, and passing the preliminary review by the institution before proceeding to the next step. Which product should I choose for Lishui corporate loans? There are many types of corporate loan products, such as credit loans, mortgage loans, pledge loans, flowing loans, etc. No matter where you get the loan, you need to understand it clearly in advance. Relatively speaking, applying for a credit loan is relatively simple. There is no need to submit complicated supporting documents. You can apply based on the company's credit and operating status. Among them, corporate tax loans are a relatively popular product. Local tax authorities and banks usually cooperate with each other to provide tax-based loans. Products, usually companies that have paid taxes in good faith for two consecutive years and have good operating conditions have a chance to apply successfully. WeBank's Micro Industry Loan and Ping An Bank's Tax Loan are similar products. Different products have different corporate credit requirements. Friends in need can call the customer service number for consultation.

2. Where can I borrow money in Lishui

I am also from Lishui. Now lives in Hangzhou.

(Getting to the point) You can borrow money from your classmates. You first need to get an ID card to guarantee the mortgage. I don’t know about this.

3. Ask a friend where to buy peanuts in Ningbo

The backbone of the industry is also the leader of agricultural production. Their experience and understanding in production practice reflect The voices of many farmers. During the investigation in Cixi, we had the honor to discuss the current status, trends and existing problems of agricultural production development with some leaders of the city's agricultural population and nine large farmers and farmers, and listened face to face to listen to the big farmers' stories about their experiences of becoming rich in simple language. and experience, as well as suggestions for strengthening agricultural production in the next step, triggered some thoughts. 1. Sincere gratitude to the Party and the Government for attaching great importance to and caring for agriculture, which is the first voice of farmers. During the discussion, several large farmers and farmers unanimously stated that it was the Party and the Government’s policies to enrich the people and the correct and timely guidance and support that enabled them to embark on the road to success. Today's road to prosperity. Especially in recent years, the Party Central Committee and governments at all levels have not only issued a number of policies to encourage and support them to engage in agricultural production, but have also provided funds and personnel to organize them to learn agricultural production technology. Taking Cixi City as an example, last year the municipal finance allocated 1.92 million yuan in training subsidy funds. In the first half of this year, documents No. 1 and No. 8 were issued successively, and another batch of preferential policies and measures were launched to further encourage and support agriculture. production; at the same time, with the strong support of the government, relevant scientific research institutions think about what farmers want, help farmers need, and address farmers' urgent needs. Relevant experts and technicians provide timely and effective technical assistance to farmers through various methods. For example, several farmers unanimously talked about the timely and effective help given to them by a university teacher named Ai from Ningbo City. It is said that the technical consultation provided by this teacher and his colleagues to farmers effectively solved the practical problems encountered in production, inspired them to be more confident and motivated to develop agricultural production, and led other farmers to become rich together. Chen Xiaofang from Jiangjiaqiao Village, Guanhaiwei Town, said: Due to the strong support of the government, he started from contracting 448 acres of wasteland three years ago and has now developed into a large-scale production of vegetables. Moreover, due to the variety, quality, and quality of the vegetables he grows, It has advantages in quantity and price, and has now formed brand benefits and sales are very smooth. Now he has led 7 other farmers to jointly produce, and more than 30 farmers are negotiating with him to cooperate. If this can be achieved, a larger production scale will be achieved, higher efficiency will be achieved, and more farmers will become rich. Second, training allows farmers to master professional production techniques and provides prerequisites for prosperity and development. Taking the path of specialization is an effective way for all walks of life to follow to maximize their profits, and agricultural production is no exception. In view of the large variables in farmers' career choices today, the changing mentality of young farmers, and the highly transitional occupations they pursue, Cixi City firmly grasps the farmer training link and continuously strengthens and deepens the intensity and breadth of training work based on actual conditions. Strive to enable every farmer to become an expert in agricultural production and a leader in getting rich. Therefore, what surprised us during the discussion was that 4 of the 9 large farmers only started to get involved in agriculture three or four years ago, and almost half of them became monks halfway through agricultural production. But their most common feature is that all of them began to receive farmer production technology training organized by the city in 2003, and then gradually developed. Before that, some of them were engaged in knitting, auto repair, transportation, or going out to work, etc., and had almost no basic agricultural production knowledge and technology. However, due to their solid learning and training and their willingness to use their own brains, If you are willing to study hard, the results will be remarkable.

For example, in Yujia Road Village, Xinpu Town, which is famous for growing loofahs, before the training, the loofahs grown in the village generally produced about 200 kilograms per mu. After participating in the training, the loofah grown by Ru Guorong reached 250 kilograms per mu. After Lou Wenguo from Liukiannan Village in the same town participated in agricultural production technology training, the grapes he planted can be kept fresh for one week without being placed in the refrigerator. 3. Cooperation and mutual assistance in large-scale production have formed a common concept. Modern industry can quickly develop from factory handicrafts to large-scale machine industry. The main reason is that large-scale machine industry can produce large scale benefits, so industrial joint production is formed. The rapid development of Cixi's township enterprises in recent years is also due to this emphasis on integration, intensification and scale production in the production of low-end products. Influenced and inspired by this, Cixi people seem to be looking further ahead and setting higher goals in agricultural production and development. During the discussion, we were asked several times whether we would ask others for advice when encountering problems in production or if others would ask us for advice. Will we have any reservations when answering? According to the city's agricultural department leader, one of the ways to teach planting and breeding techniques to farmers is to organize some experienced farmers to teach them step by step. We also have doubts about this. After all, in the age of competition, mastering technology itself is equivalent to owning your own wealth. But the unanimous answer from the big farmers is: no. Not only that, during the production process, they often sit together spontaneously and actively, exchange production experience with each other, and promote their own new technologies and experiences. Many people then joined forces to jointly produce. They further explained: This is how they hope to win. They hope that the same product will form a scale in a certain area and then form a brand, with further influence and more sales. One company that has gone further in this regard is the Liping Vegetable Production and Marketing Cooperative in Changhe Town. The cooperative is a business entity integrating agricultural technology training, information services, improved seed promotion, and marketing, jointly initiated by Shanghai Vegetable Group Zhenru Company, Cixi Seed Company, and Pan Liping, an individual purchaser and salesperson from Cangnan Village, Changhe Town. . The cooperative has now grown to 50 members, with a base area of ??500 acres. The main purchasing and selling varieties are white beans, peanuts, corn, broccoli, white cabbage, sword beans, etc., with an annual purchasing and sales capacity of more than 7,000 tons. Product acquisitions have been radiated to Ningbo, Hangzhou, Lishui and other regions. The marketing method is mainly direct sales. It is also purchased by agricultural product processing companies and foreign trade export companies. In recent years, production efficiency and business scale have continued to expand, and farmers' actual income has also continued to increase. 4. The way out for high efficiency and high profits lies in the development of high-quality agriculture and ecological agriculture. During the planned economy period, Cixi was once a specialized cotton planting area in Zhejiang Province. Although farmers at that time were diligent in farming, they still failed to change the face of poverty and backwardness. . Nowadays, the production here is fully developed with diversified operations. Farmers choose the varieties suitable for their own production and the production methods suitable for their own work according to their own actual conditions, and gradually embark on the road to prosperity. Compared with ordinary farmers, what makes the nine large farmers stand out is that they effectively choose the production of crops with high economic value and high added value. While investing heavily in precision planting and breeding, they also get benefits. High returns. For example, Meiyuan Village in Henghe Town of this city has historically been famous for growing bayberry. Five years ago, Xie Huaping, a large grower in the village, relied on his own technology to cultivate and produce the "Xia Zhihong" brand bayberry. The quality, yield, and sales price are obvious. Bayberry, which exceeds other varieties, was once sold well in Ningbo, Hangzhou, Shanghai, Beijing, Hong Kong and other places. Although her current planting area has developed into a base scale of 1,450 acres, the product is still in short supply. Although other villagers in the same village have more than 8,000 acres of bayberry planting area, their yield per unit area is far less than hers. There is also Luo Yangping, who was originally engaged in knitting. After participating in the training, she consulted experts for advice and worked hard on seedling cultivation technology. The seedlings cultivated by her seedling farm have already had a profound impact on the local area, and the fruits produced are deeply loved. The market welcomes it, and a kind of high-quality eggplant she personally cultivated is currently very popular in the Shanghai market, with both production and sales booming. Therefore, from the perspective of achieving long-term benefits, if we really want to maintain sustained development and achieve high returns, we should develop the production of seeds and seedlings with high added value, realize green and pollution-free food production that can earn foreign exchange, and develop agricultural production. The production and processing industry will work hard. 5. If town and village cadres can attach equal importance to agriculture as much as to industry, agricultural development will be faster. Objectively speaking, compared with agriculture, industry has a shorter investment cycle and faster results. Especially in cities, counties and districts in our province where private township enterprises are highly developed, it is understandable that their rural leaders attach importance to industrial production. But agriculture is, after all, the foundation of the national economy and the prerequisite for all other labor and production to exist independently, and must be given sufficient attention. However, the actual situation is far from satisfactory. According to a previous survey report by the Cixi Municipal People's Political Consultative Conference and the Agricultural Bureau, because "many cadres at the grassroots level mistakenly believe that agriculture's share of GDP is less, and the status of agriculture is correspondingly lower, resulting in laxity and lack of control in agricultural work." During the survey, some village branch secretaries reported that leaders rarely talk about agricultural work in meetings, so we don’t need to report on agricultural conditions when we attend meetings. However, during the discussion, the big farmers all felt that the role of village and town cadres in developing agricultural production is not enough. ignore.

For example, in relation to land contracting, organizing the construction of rural public institutions, in providing production information, organizing farmer training, and external publicity, in developing rural circular economy such as building biogas pools, etc., in organizing and implementing village construction plans, and organizing farmers to go out. Only rural cadres can organize visits and studies, etc.; in addition, when it comes to agricultural product production, payment, sales, and publicity, as well as doing mass work, unifying the masses' thinking, and helping farmers change backward production concepts and understandings, rural cadres more effective. 6. Farmers hope that the government can further benefit farmers in its agricultural support policies. First, agricultural insurance can be implemented as soon as possible. For example, a vegetable greenhouse requires a large investment, nearly 10 yuan per square meter, and investment and construction generally requires tens of thousands of yuan. There are many typhoons in Ningbo, which cause great damage to greenhouses. For example, last year's typhoon caused damage to many farmers who rely on greenhouse production. With relevant insurance, production is guaranteed, and farmers' enthusiasm will naturally increase. Second, loan interest rates are high. For example, the loan interest rate for farmers to build breeding plants is as high as 7.2%, which is higher than the commercial loan interest rate, and the procedures are complicated; at the same time, the loan period of rural credit cooperatives is not suitable for the agricultural growth cycle, and the grassroots rural credit cooperatives mostly issue loans in the form of small Mainly, short-term loans, but the agricultural production cycle is longer. Generally, cash crops have a growth cycle of at least 1 year. Forest fruits with better economic benefits will take 2-3 years to start seeing benefits. The loan period is much shorter than that of agriculture. production cycle. Third, agricultural electricity prices are high. The current agricultural electricity bill in Cixi is 0.78 yuan per kilowatt hour, which is difficult for farmers who are starting to start their own business to afford. Fourth, the subsidy requirements for purchasing agricultural machinery are too strict. The government stipulates that farmers will be given moderate subsidies for fully automated agricultural machinery and tools, and no subsidies for non-fully automated agricultural machinery. This also prevents some farmers who purchase semi-automatic machinery and tools due to lack of funds and other difficulties from receiving discounts. It is hoped that the government can treat specific issues in detail and implement some specific policies to truly benefit farmers. 7. Suggestions from farmers: The actual situation of farmers should be taken into consideration when promoting agriculture through science and technology. During the discussion, several large farmers and farmers reported: In fact, at least in the rural areas of Cixi, except for some large farmers, most of the people engaged in agricultural production are young and old. Farmers who are older, less educated, and have low family incomes. Therefore, although the government has thought of many ways, such as opening an online farmer mailbox and setting up an agricultural technology 110 to strengthen the promotion of agricultural technology information, although the original intention is good, due to the majority of Farmers do not understand Internet technology, and some do not even have computers at home, so the mailbox function has not been implemented; and Agricultural Technology 110 requires local phone charges when making calls, which is a problem for farmers who are always saving, especially older farmers. I still don’t want to accept it, but in fact it is these farmers who need help more. Therefore, the question currently facing farmers is: Who will tell them relevant information about agricultural production? How can farmers know in time? They suggested that: first, the traditional propaganda methods such as radio, wall newspapers, and propaganda newspapers that have been used before should not be lost; second, there should be contacts in the village and relevant information content introduction, so that farmers can selectively learn according to their own needs, and When you have learning needs, contact the relevant departments of the town and city through the village contact person; thirdly, considering that the government can allocate large sums of funds for farmer training every year, can the "Agricultural Technology 110" be changed to something similar to the 800 type? Free telephone calls are provided to facilitate farmers with slightly poorer economic conditions. (Wei Fengtao)

4. What is Lishui’s loan policy and down payment for buying a house?

For a house of about 800,000 yuan, you need to pay at least 20% of the down payment, which is 160,000 yuan. (The down payment amount depends on the size of the house you buy and the previous loan situation. The general rule is that the down payment can be made if the square meter is less than 100,000 yuan. 20% exceeds 30%) and the rest must be loaned from the bank that the developer cooperates with. That is 640,000. There are a lot of things you can decide here, such as how many years you want to borrow, whether you choose equal principal and interest or equal principal, etc. It also depends on whether you have had a loan before, and whether you have paid off the loan. There will be changes. Here we take a 15-year loan as an example, based on equal principal and interest.

Loan amount, loan period, loan interest rate = 4847.04 yuan (the reference here is the 2009 housing mortgage loan interest rate, the mortgage loan interest rate table is 15% lower than the base interest rate, year annual interest rate% 14.513524.5934.5944.89654.8965 years and above 5.049