Interest rate and term of operating loans

I. Interest rate and term of operating loans

The details are as follows: the benchmark interest rate of central bank loans 1, and the interest rate within one year (including one year) is 4.35%. 2. The loan term is one to five years (including five years) and the interest rate is 4.75%. 3. If the loan term exceeds five years, the interest rate is 4.90%. : 1. Banks and other financial institutions have regulations on the use of personal business loans. Apply for all loans, which need to be used for investment projects legally operated by the borrower. Among them, manufacturing, wholesale, retail and logistics industries are encouraged to apply, while real estate development, land reserve, high energy consumption and high pollution industries cannot apply for personal business loans. 1. The borrower's business activities are in good condition. Personal consumption loans focus on the personal income of borrowers and their families, while personal business loans are business loans, focusing on the income of enterprises operated by borrowers. The direct factors of whether the enterprise's operating conditions can be repaid normally, whether the enterprise's past and present operations are normal, whether it can predict whether the enterprise's future operations will be smooth, what major risks it will face, and whether the cash flow during the loan period is sufficient are all issues that the loan company is very concerned about. 2. The borrower's operating life should meet certain requirements. Many loan companies require borrowers to handle personal business loans for more than three years, and some loan companies may require even longer. This mainly depends on whether the borrower's experience and qualifications are rich, and experienced customers are less likely to fail in business activities. 3. When applying for personal business loans, there are also provisions on collateral. Collateral generally includes the real estate in my name or the name of a third party with an associated relationship with it, and the factory buildings, land, office buildings and commercial buildings in the name of the borrower's company or its holding company. Commercial housing in different cities can also be used as collateral to apply for loans. After meeting the business purpose and collateral conditions, the applicant can apply for a loan at the bank with relevant information.

Second, the longest enterprise loan period.

The longest loan period for SMEs can reach 10 year.

Three, small business real estate loan period in principle does not exceed () years.

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