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Changsha enterprise loan
1. Loan object
Enjoy the loan for individual industrial and commercial households, small and micro enterprises and small and micro business owners.
2. Loan amount
The minimum loan amount of Easy Access Loan is 6,543,800 yuan, and the maximum loan amount is 6,543,800 yuan.
3. Term of the loan
The loan period of Easy Loan is as short as 3 months and as long as 24 months. Special industry loans can last up to 36 months.
4. Expected annualized interest rate of the loan
Enjoy the loan with a fixed expected annualized interest rate, and do not charge any fees other than interest. The expected annualized monthly interest rate of the loan is about 1%.
5. Lending time
The audit efficiency of Easy Access Loan is high, and it only takes 2-5 working days from application to lending. Every link of the loan will be processed within a limited time.
Generally speaking, Easy Loan is a good loan for small and micro enterprises, with no mortgage and flexible guarantee. The information is simple and there is no need to provide financial statements. Moreover, the expected annualized interest rate of the loan is very low, and the expected annualized interest rate per month is only 1%. There is no extra cost, and the loan can be released within 2 working days at the earliest.
What does Changsha Bank have in enterprise credit loans? Look at these three models.
Many small and medium-sized enterprises may face difficulties in production, operation and development. They can apply for credit loans from some banks without mortgage guarantee. For example, Changsha Bank has many such loans, which are suitable for enterprises with different qualifications to apply. Here, I'll give you an inventory.
What does Changsha Bank have in enterprise credit loans?
1, tax e financing:
Refers to the revolving credit loan granted by Changsha Bank to the legal representative of small and micro enterprises for business turnover based on the tax credit authorized by the tax authorities.
Customers who have paid taxes normally for more than two years can apply through the Internet. The maximum loanable amount is 6,543,800,000 yuan, the longest validity period of a credit line is 654.38+02 months, and the longest term of a single loan is 6 months. The loan shall be repaid with interest on a daily basis, with a minimum of two ten thousandths.
2. Online business loan:
It refers to the credit financing products provided by Changsha Bank for merchants engaged in B2B and B2C e-commerce business on mature e-commerce platforms such as Tmall and JD.COM. The maximum credit line is 20 million yuan, the credit period is 1 year, and the loan is repaid at the lowest interest rate. Only individual Taobao merchants in Hunan can apply.
3.POS loan:
It refers to the short-term credit loan issued by Changsha Bank to an external service organization (non-UnionPay) with a POS card account of 300,000 yuan.
POS merchants who have received orders from Changsha Bank for more than 3 months, have physical stores, take Changsha Bank as the acquiring bank, and have more than 3 years of industry experience can apply.
How about a loan from Changsha Yin Bao Group?
All right.
Good qualifications. Changsha Yin Bao Group Loan is the only company with provincial-level guarantee license qualification in Hunan Province, and it is also the only professional one-stop enterprise service platform in Hunan Province.
Good products and high professionalism. Is specialized in enterprise credit loans, personal credit loans, equipment mortgage, equipment financing lease, plant equipment mortgage, enterprise consulting and other businesses, with rich products, suitable for all kinds of people and strong professionalism.
What loans does Changsha Bank have?
Type of loan from Changsha Bank: 1. Personal loans: (1) consumer loans (Happiness Second Loan, First-hand Housing Mortgage Loan, Second-hand Housing Mortgage Loan, Personal Business Housing Mortgage Loan, Intention Loan, Personal Consumption Loan); (2) Commercial loans (personal commercial loans, loans from Changsha and Hunan, tax financing); 2. Corporate loans: (1) traditional loans (working capital loans, fixed assets loans, convenient applications, merger and acquisition loans, and operating property loans);
; 1. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest.
2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
3. As a leading consumer credit information service enterprise in China, Lirong.com is the only enterprise in China that has launched the MBA student loan project. The bridge loan provided by Lirong.com to MBA freshmen can help students solve the tuition problem easily. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.
Four, after the three parties guarantee or have a certain credit qualification, the bank approved the borrower's corresponding pledge line, mortgage line, guarantee line or credit line. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
How to handle the operating loan of Changsha Bank?
Application conditions
(1) must be a natural person with full capacity for civil conduct, have their own fixed residence and fixed business premises in the city where the lender is located, and have been in business for more than two years (inclusive) and have a good working record;
(2) It has a good credit record in our bank, and has no bad credit records such as malicious breach of contract and evasion of debts in the credit information system of the People's Bank of China;
(3) It can provide guarantees that meet the requirements of the Bank;
(4) provide relevant materials that meet the requirements of the bank and prove the normal operation of the enterprise;
(5) Through the evaluation of our credit rating system, both personal credit rating and corporate credit rating are qualified.
Abide by our regulations;
(6) If the borrower is the business owner, in principle, the business entity managed by it will open a basic deposit account in our bank;
(7) Other conditions stipulated by the bank.
operation sequence/order
(1) The customer applies for a loan from our bank and submits the required loan information;
(2) The handling bank arranges personnel to conduct pre-loan investigation and write an investigation report;
(3) Customers who meet the loan conditions after investigation shall be reported to the competent department for examination and approval step by step according to the examination and approval authority;
(4) For approved loans, the handling bank shall sign a loan contract and corresponding guarantee contract with the customer, register the mortgage (pledge) and improve the guarantee procedures;
(five) loan, according to the purpose specified by the customer, the loan funds will be transferred to the account designated by the borrower or supplier;
(6) The customer repays the loan principal and interest on schedule.
The introduction of Changsha enterprise loan and Changsha enterprise loan intermediary ends here. I wonder if you found the information you need from it?
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