Calculation of loan amount of operating property

Is there a guarantee fee for the operating loan interest rate of China Bank?

What are the operating loan interest rates of major banks?

Small and medium-sized enterprises will inevitably encounter problems, so most people will choose to apply for commercial loans from banks for business operations. When you apply for a loan, you must be most concerned about the interest rate. If the interest rate is too high, people are reluctant to choose this bank. So what are the operating loan interest rates of major banks? The following contents are inquired by Faba Bian Xiao for you.

At present, the benchmark interest rate for one-year loans is 7.47%, and banks have different interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark interest rate. But it is also divided into customers. For high-quality customers of banks, a lower standard interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%.

I. China Construction Bank:

Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. Caitong's loan methods include guarantee, mortgage and mortgage guarantee, which can be enlarged to 65,438+000 _, 90% of commercial loans (guarantee companies or individuals can guarantee) and 80% of factory buildings. The maximum loan is100000 yuan, and the interest rate rises by 20_. In addition, the annual fee 1.5_ is charged according to the loan term, and it is charged at one time. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.

Auxiliary loan: the net loan value is 70%, which cannot be added. If the interest rate rises by 20_, an annual fee of 1.5_ will be charged at one time.

2. China Merchants Bank:

Real estate mortgage loan: the maximum amount of a single transaction is 6.5438+million, and the maximum amount of a single household is 30 million; Mortgage rate: residential 70%, commercial 60%, plus guarantee company, residential 10%, commercial 90%; Qualifications of the borrower: Having more than two years' experience in related industries, and being the legal representative, shareholder or actual controller of the enterprise (including Zhuhai local registered enterprise). Loan term: 10 year; If the loan lasts for 3-5 years, it will be repaid in 20 years. Repayment method: independent monthly repayment (3-year loan period, 20-year repayment, low interest and low monthly repayment amount), principal repayment plan, quarterly, semi-annual and annual repayment, and only one third of the loan principal needs to be repaid within the loan period. Loan issuance: a third-party account, which can be an enterprise or an individual in principle (the payee should be the legal representative or shareholder of the receiving enterprise). Proof of use: In the trade contract (Note: China Merchants Bank will recover the loan in advance if the funds flow back or illegally into the stock market after the loan), the interest rate benchmark will rise by 20%.

Three. Industrial Bank:

1. The net loan value of residential buildings (including villas and commercial and residential buildings actually used for housing) is 70%, the net loan value of commercial buildings is 60%, the net loan value of industrial buildings is 50%, and the interest rate is not lower than 30_. The mortgage rate guaranteed by a natural person can reach 100_, the mortgage rate of a guaranteed company can reach 120_, the interest rate rises by 50_, and the pure guarantee interest rate provided by the guarantee company rises by 60%.

2. The term of a single credit can reach 10 year, which can be recycled, and the principal can be repaid at the monthly interest of one year or the monthly payment of 10 year.

3. For the collateral that some banks don't accept, if a guarantee company accepts pure mortgage guarantee, it can also lend 1-3 years, and the interest rate will rise by 50_.

4. The mortgagor and the borrower are not over 65 years old.

5. Purpose: It can be used to call personal accounts of third parties (legal persons and shareholders).

6. If the third party mortgages or the borrower is the actual controller, and the business scope is inconsistent with the business license or the scope is limited, it must go through the branch loan review meeting to reduce the loan ratio. There is no requirement for the establishment of an enterprise, and shareholders need to have more than 10% equity. The term of more than three years must be for the purpose of purchasing fixed assets, with the maximum loanable amount of 10 year and the maximum loanable amount of150,000. The principal can be paid monthly or repaid with monthly interest for one year.

4. Minsheng Bank:

The maximum loan amount is 654,380,000,000 yuan, the term is 65,438+0-5 years, and the loan is repaid with interest-free, and the line can be recycled. Customers are required to have 3-5 years' experience in this industry, the enterprise has been established for 2-3 years, and the net assets of families and enterprises are 500-500 million. The loan is approved quickly, and the loan will be released within 7 working days after the information is complete. Loan ratio: pure mortgage, 50-70%; Mortgaged natural person guarantee,100%; The mortgage guarantee company guarantees, 120- 150%.

Verb (abbreviation for verb) Agricultural Bank:

Personal employment loan: A: I, the company or the third party (immediate family member) can borrow 70% of the housing, with the upper limit of100000 and the interest rate rising 1. 1 times, with a term of five years. Bonus guarantee can be lent to 100_. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

B: Personal commercial real estate mortgage: the maximum loanable net value of the store mortgage is 60%, the term is 10 year (balloon loan can be used), the interest rate rises 1. 1 times, and the upper limit is150,000. The rent must reach 85% of the monthly payment and 5% of the annual assessment net value. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

Simple loan: the maximum amount of mortgage guarantee is 30 million yuan, and the maximum amount of guaranteed guarantee is100000 yuan. Loan purpose: Real and legal liquidity demand, the loan and guarantee business term is 65,438+0-3 years, and the other business term is 0.5-65,438+0 years, which can be recovered within 65,438+0 years. Interest rate: 1 30% above ten thousand, 1 25% above two million, and 20% above two million. Mortgage rate: 50% of land, 65-70% of commercial housing, 70% of houses, and 40% of houses under construction or collective land.

Personal employment loan: A: I, the company or the third party (immediate family member) can borrow 70% of the housing, with the upper limit of100000 and the interest rate rising 1. 1 times, with a term of five years. Bonus guarantee can be lent to 100_. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

B: Personal commercial real estate mortgage: the maximum loanable net value of the store mortgage is 60%, the term is 10 year (balloon loan can be used), the interest rate rises 1. 1 times, and the upper limit is150,000. The rent must reach 85% of the monthly payment and 5% of the annual assessment net value. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

Simple loan: the maximum amount of mortgage guarantee is 30 million yuan, and the maximum amount of guaranteed guarantee is100000 yuan. Loan purpose: Real and legal liquidity demand, the loan and guarantee business term is 65,438+0-3 years, and the other business term is 0.5-65,438+0 years, which can be recovered within 65,438+0 years. Interest rate: 1 30% above ten thousand, 1 25% above two million, and 20% above two million. Mortgage rate: 50% of land, 65-70% of commercial housing, 70% of houses, and 40% of houses under construction or collective land.

6. Bank of Communications:

The minimum operating loan interest rate will rise by 25 ~ 30 _, and the principal will be paid monthly for one year, which will be circulated within two years. You can't add loans in your own name. The total loanable amount of loans in the name of enterprises plus guarantee companies is 100_.

7. ICBC:

The interest rate will rise by at least 25_, the loan will be 70%, and the monthly payment will be made in May. The purpose can reach third-party individuals (legal persons and shareholders).

8. Bank of China:

The operating loan interest rate needs to rise by 30_, and 70% of the loan needs to be guaranteed. For three years, 20% of the principal will be repaid in the first year and 40% in the second year.

Nine, the postal bank:

Personal commercial mortgage loan: the total value of residential loans is 60%, the total value of commercial loans is 50%, and the interest rate rises 10-20%, with a maximum of 5 million. Business license is required, borrowers are shareholders, legal persons, actual operators and individual industrial and commercial households, the mortgagor and the borrower can be separated, and loans can be made to third parties without checking the mortgagor's credit information, which is more flexible to use. The loan term is 5 years, and it can be recycled, with equal repayment of principal and interest on a monthly basis, or in the first 6 months, or for 5 years, with one-time repayment of principal and interest every six months; Or borrow 1 year, and pay interest on schedule in the first 6 months and equal principal and interest in the last 6 months. Cycle within 5 years.

Small and medium-sized enterprise loans: 80% of residents' net loan value can be enlarged to 9. 1%, the total value of commercial and factory loans is 50%, and the interest rate rises 10-20%. The upper limit is 20 million, the credit is granted for 3 years, and the expenditure is 1 year. The loan can be used for the working capital of the enterprise for 6 months (the principal and interest can be repaid in one lump sum after half a year), which can be recycled and valid for 2 years. The purchase of fixed assets can be loaned for 2 years, and the principal and interest are equal to 12 months, which can be recycled for one year. The working capital can be granted credit for 2 years, and the principal is repaid with monthly interest every year, and it can be recycled for 65,438+0 years.

X. Ping An Bank:

Commercial loan: enterprises are required to be registered for more than 2 years or 5 years of work experience, provide 1 year bank flow (individuals or companies), provide fixed assets mortgage, and have a good credit record. 80% to 65,438+000% of the total loanable value of unsecured houses (only deducting transaction costs), and 60% to 90% of the net loanable value of commercial houses. More than 70% of customers need to have a second residence in addition to collateral, not limited to self-built houses, military houses and off-site real estate. The longest loan term is 10 year, and the interest rate is 7.872%. Lend to a third-party enterprise account to ensure entrusted payment.

XI。 Guangfa Bank:

Conditions: 65438+60-year-old mainlander (company legal person or shareholder), the company has been established for more than two years or more than one year and three years, and it has not been overdue for more than two periods with its spouse within two years. Collateral is Shenzhen real estate, 70% is basically tax-free, 60% is commercial (net value), interest rate rises by 30%, and the term is 1-3 years. You can apply to the guarantee company for additional guarantee, with the maximum loan increase 10% of the net mortgage value, and the guarantee fee is (3%/ year 0.5%/ transaction), which will be collected in one lump sum before lending, and the approval can be completed within 3 working days with complete information. For the amount of 5 million-150,000, the general mortgage interest rate is 70% for housing and 60% for business, and the minimum loan interest rate can be increased by 20% on the basis of the benchmark, and the term is 1- 10 year; Corresponding repayment method: ①. Loans with a term of one year or less can be repaid at maturity; 2. Loans with a term of more than one year need to repay the principal and interest on a monthly basis, and the principal can be exempted in the first half of the year. You can apply to the guarantee company for additional guarantee. The maximum loan is100% of the net mortgage value (within 3 years), and the guarantee fee is (3%/ year 0.5%/ transaction), which will be collected in one lump sum before lending. The longest period is 5 years, and the project can last 10 years (for example, borrowing money to build a factory building in the name of the company, etc.). ).

The above summarizes the operating loan interest rates of eleven banks, and the operating loan interest rates of each bank are different, which is related to factors such as the size and region of the bank. However, at present, the country still has the regulation of 10% at most. You can choose the right bank to operate the loan according to your own needs. If you have any other questions, please feel free to consult our website and we will answer them wholeheartedly.

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How to calculate the interest rate of commercial loan for buying a house?

The latest process of transferring commercial loans to provident fund loans

What are the risks of business license mortgage loan?

The risks are: First, grasp the market risks. The second is to grasp the risks of customers and projects. The third is to grasp the interest rate risk. Enterprise mortgage loan refers to the way that enterprises use real estate mortgage as a borrower to obtain loans. The channels for handling real estate mortgage loans are generally rough banks, trust companies and companies.

Extended data:

Mortgage risk

The first is to grasp market risks. The loan term is long, there are many uncertain and unforeseeable factors, the economic development cycle and the real estate market cycle change, the borrower overestimates the value of collateral or rents and sells mortgage projects that are less than ideal in the market, which may lead to insufficient mortgage, reduce the project rental price and rent level, and thus affect the loan security. Therefore, it is necessary to truly and objectively evaluate the market value of collateral, strictly use loans, and prevent borrowers from reducing registered capital, reducing share capital, improperly distributing profits and other behaviors that harm owners' rights and interests.

The second is to grasp the risks of customers and projects. The loan object must be a high-quality customer with high credit rating, good development qualification, good financial status, excellent commercial real estate development performance or rich property management experience, strong investment attraction ability and market cultivation and operation ability. In principle, commercial property refers to a low-risk project located in downtown business district, central business district and other prosperous areas, which has been put into operation for a period of time, with high occupancy rate and good operating conditions.

The third is to grasp the interest rate risk. Pay attention to the influence of inflation rate and market interest rate changes on the real interest income of operating property mortgage loans. The fourth is to grasp the risk of post-loan management. Operating banks should keep abreast of the rental and sale of the project, accurately estimate the cash flow of the project operation, carefully supervise the project funds, formulate a scientific and reasonable repayment plan, ensure the repayment of the loan principal and interest on schedule, and effectively control and resolve the loan risk.

Mortgage advantage

(1) The loan is flexible. Mortgage loan solves the problem of difficult supervision of loan use in real estate enterprises. For self-built properties, it can be used to replace debt funds and self-owned funds that exceed the prescribed proportion of project capital, that is, to replace the self-owned funds belonging to real estate enterprises, which can appropriately reduce the supervision of banks on the use of self-owned funds of enterprises.

(2) The loan term is long. Ordinary mortgage loans, the loan period is generally 1 year, and enterprises are facing great repayment pressure. Operating real estate mortgage loan, the longest loan period can reach 10 years, and enterprises can obtain long-term stable funds.

(3) The repayment method is flexible, which reduces the financial management expenses of enterprises. The repayment plan can be arranged reasonably according to the capital arrangement of the enterprise and the cash flow of the operating property. The repayment source of mortgage loan for operating property is the stable cash flow of operating property, and the rent of the property is fully supervised to the corresponding bank, which not only ensures the timely repayment of the loan, but also saves the workload and financial management cost of the borrower, thus reducing the repayment pressure of the enterprise to the maximum extent.

(4) The operation is simple, which can solve the financing problem of enterprises. Operating real estate mortgage loan is simple. Operating real estate mortgage loans mainly focus on the value of collateral and cash flow during the loan period. As long as the operating property meets these two conditions (that is, the first repayment source and the second repayment source), it can operate the mortgage loan business of operating property, and enterprises can easily obtain bank loans.

What is the operating loan interest rate of major banks and how to calculate the operating loan interest rate?

The expected annualized interest rate of loans directly determines the profit distribution ratio between borrowing enterprises or individuals and banks, thus affecting the economic interests of both borrowers and borrowers. As we all know, handling loans will generate a certain expected annualized interest rate on loans. Then, how to calculate the expected annualized interest rate when handling operating loans?

What is the expected annualized interest rate of operating loans of major banks?

The expected annualized interest rate of one-year loan benchmark is that banks have different expected annualized interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark expected annualized interest rate. But it is also divided into customers. For high-quality customers of banks, lower standard expected annualized interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%. Now that the scale of credit is tight, it is basically impossible to expect the annualized interest rate to fall. Even the loan customers that the bank used to find are now looking for the bank in turn. For these high-quality corporate customers, it used to drop by 10%, and now it is based on the benchmark expected annualized interest rate.

China Construction Bank:

Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. The loan methods of Fortune Link include guarantee, mortgage and mortgage guarantee, which can be enlarged to several net loanable values of residential buildings 100%, commercial buildings 90% (which can be guaranteed by guarantee companies or individuals) and factories 80%. The maximum loan is100000 yuan, and the annualized interest rate is expected to rise by 20%. In addition, according to the loan term, a fee is charged once a year. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.

Auxiliary loan: the net loan value is 70%, which cannot be added. It is estimated that the annualized interest rate will rise by 20%, and the fee will be charged once a year.

China Merchants Bank:

Real estate mortgage loan: the maximum amount of a single transaction is 6.5438+million, and the maximum amount of a single household is 30 million; Mortgage rate: residential 70%, commercial 60%, plus guarantee company, residential 10%, commercial 90%; Qualifications of the borrower: Having more than two years' experience in related industries, and being the legal representative, shareholder or actual controller of the enterprise (including Zhuhai local registered enterprise). Loan term: 10 year; If the loan lasts for 3-5 years, it will be repaid in 20 years. Repayment method: independent monthly repayment (3-year loan period, 20-year repayment, low interest and low monthly repayment amount), principal repayment plan, quarterly, semi-annual and annual repayment, and only one third of the loan principal needs to be repaid within the loan period. Loan issuance: a third-party account, which can be an enterprise or an individual in principle (the payee should be the legal representative or shareholder of the receiving enterprise). Proof of use: The annualized interest rate benchmark is expected to rise by 20% in the trade contract (note: China Merchants Bank will recover the loan in advance if the funds flow back or illegally into the stock market after the loan).

Industrial Bank:

1. The net loan value of residential buildings (including villas and commercial and residential buildings actually used for housing) is 70%, the net loan value of commercial buildings is 60%, and the net loan value of industrial buildings is 50%. It is expected that the annualized interest rate will rise by no less than 30%. The mortgage rate with natural person guarantee can reach 100%, the mortgage rate with guaranteed company can reach 120%, the expected annualized interest rate will rise by 50%, and the expected annualized interest rate with guaranteed company providing pure guarantee will rise by 60%.

2. The term of a single credit can reach 10 year, which can be recycled, and the principal can be repaid at the monthly interest of one year or the monthly payment of 10 year.

3. For the collateral that some banks do not accept, if the guarantee company accepts pure mortgage guarantee, it can also lend for 1-3 years, and the expected annualized interest rate will rise by 50%.

4. The mortgagor and the borrower are not over 65 years old.

5. Purpose: It can be used to call personal accounts of third parties (legal persons and shareholders).

6. If the third party mortgages or the borrower is the actual controller, and the business scope is inconsistent with the business license or the scope is limited, it must go through the branch loan review meeting to reduce the loan ratio. There is no requirement for the establishment of an enterprise, and shareholders need to have more than 10% equity. The term of more than three years must be for the purpose of purchasing fixed assets, with the maximum loanable amount of 10 year and the maximum loanable amount of150,000. The principal can be paid monthly or repaid with monthly interest for one year.

Minsheng Bank:

The maximum loan amount is 654,380,000,000 yuan, the term is 65,438+0-5 years, and the loan is repaid with interest-free, and the line can be recycled. Customers are required to have 3-5 years' experience in this industry, the enterprise has been established for 2-3 years, and the net assets of families and enterprises are 500-500 million. The loan is approved quickly and the information is complete, and the loan will be released within 7 working days. Loan ratio: pure mortgage, 50-70%; Mortgaged natural person guarantee,100%; The mortgage guarantee company guarantees, 120- 150%.

Agricultural Bank:

Personal employment loan: A: I, the company or the third party (immediate family member) can borrow 70% of the housing, with the upper limit of100000, and the expected annualized interest rate will double, with a term of five years. Bonus guarantee can be lent 100%. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

B: Personal commercial real estate mortgage: the maximum loanable net value of the store mortgage is 60%, the term is 10 year (balloon loan can be used), and the expected annualized interest rate is doubled, with the upper limit of150,000. The rent should reach 85% of the monthly payment, and the annual rent should reach 5% of the assessed net value. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

Simple loan: the maximum amount of mortgage guarantee is 30 million yuan, and the maximum amount of guaranteed guarantee is100000 yuan. Loan purpose: Real and legal liquidity demand. The term of loan and guarantee business is 65,438+0-3 years, and the term of other business is years, which can be recovered within 65,438+0 years. Expected annualized interest rate: 654.38+30% over 0,000, 654.38+25% over 0,000-2 million, and 20% over 2 million. Mortgage rate: 50% of land, 65-70% of commercial housing, 70% of houses, and 40% of houses under construction or collective land.

Personal employment loan: A: I, the company or the third party (immediate family member) can borrow 70% of the housing, with the upper limit of100000, and the expected annualized interest rate will double, with a term of five years. Bonus guarantee can be lent 100%. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

B: Personal commercial real estate mortgage: the maximum loanable net value of the store mortgage is 60%, the term is 10 year (balloon loan can be used), and the expected annualized interest rate is doubled, with the upper limit of150,000. The rent should reach 85% of the monthly payment, and the annual rent should reach 5% of the assessed net value. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

Simple loan: the maximum amount of mortgage guarantee is 30 million yuan, and the maximum amount of guaranteed guarantee is100000 yuan. Loan purpose: Real and legal liquidity demand. The term of loan and guarantee business is 65,438+0-3 years, and the term of other business is years, which can be recovered within 65,438+0 years. Expected annualized interest rate: 654.38+30% over 0,000, 654.38+25% over 0,000-2 million, and 20% over 2 million. Mortgage rate: 50% of land, 65-70% of commercial housing, 70% of houses, and 40% of houses under construction or collective land.

Bank of Communications:

The annualized interest rate of operating loans is expected to rise by 25-30% at a minimum, and the principal will be repaid with interest on a monthly basis for one year, which will be circulated within two years. You can't add loans in your own name. The total loanable value of loans in the name of enterprises plus guarantee companies is 100%.

ICBC:

It is estimated that the annualized interest rate will rise by at least 25%, and the loan will reach 70% in May. The purpose can reach third-party individuals (legal persons and shareholders).

Bank of China:

The expected annualized interest rate of operating loans needs to rise by 30%, and loans need to be guaranteed by 70%. For three years, 20% of the principal will be repaid in the first year and 40% in the second year.

Postal bank:

Personal commercial mortgage loan: the total value of residential loans is 60%, the total value of commercial loans is 50%, and the expected annualized interest rate will rise 10-20%, with a maximum of 5 million. Business license is required, borrowers are shareholders, legal persons, actual operators and individual industrial and commercial households, the mortgagor and the borrower can be separated, and loans can be made to third parties without checking the mortgagor's credit information, which is more flexible to use. The loan term is 5 years, and it can be recycled, with equal repayment of principal and interest on a monthly basis, or in the first 6 months, or for 5 years, with one-time repayment of principal and interest every six months; Or borrow 1 year, pay interest on schedule in the first 6 months, and equal principal and interest in the last 6 months. Cycle within 5 years.

SME loans: 80% of the net value of residential loans can be enlarged to 50%, and 50% of the total value of commercial and factory loans. Expected annualized interest rate rises 10-20%. The upper limit is 20 million, the credit is granted for 3 years, and the expenditure is 1 year. The loan can be used for the working capital of the enterprise for 6 months (the principal and interest can be repaid in one lump sum after half a year), which can be recycled and valid for 2 years. The purchase of fixed assets can be loaned for 2 years, and the principal and interest are equal to 12 months, which can be recycled for one year. The working capital can be granted credit for 2 years, and the principal is repaid with monthly interest every year, and it can be recycled for 65,438+0 years.

Ping An Bank:

Commercial loan: enterprises are required to be registered for more than 2 years or 5 years of work experience, provide 1 year bank flow (individuals or companies), provide fixed assets mortgage, and have a good credit record. 80% to 65,438+000% of the total loanable value of unsecured houses (only deducting transaction costs), and 60% to 90% of the net loanable value of commercial houses. More than 70% of customers need to have a second residence in addition to collateral, not limited to self-built houses, military houses and off-site real estate. The longest loan period is 65,438+00 years, and it is expected to be loaned to a third-party enterprise account at an annualized interest rate to guarantee entrusted payment.

Guangfa Bank:

Conditions: 65438+60-year-old mainlander (company legal person or shareholder), the company has been established for more than two years or more than one year and three years, and it has not been overdue for more than two periods with its spouse within two years. The collateral is Shenzhen real estate, 70% is basically tax-free, and 60% is commercial. It is expected that the annualized interest rate will rise by 30% with a term of 1-3 years. For loans with an amount greater than 2 million yuan, you can apply to the guarantee company for additional guarantee. The maximum loan is added to 10% of the net mortgage value, and the guarantee fee is 3% of the additional loan amount (per year). It will be collected in one lump sum before the loan is released, and the approval can be completed within 3 working days after the information is complete. 5 million-150,000, the average mortgage interest rate is up to 70% for housing and 60% for business, and the expected annualized interest rate of the loan can rise by 20% on the lowest basis, with a term of 1- 10 year; Corresponding repayment method: 1. Loans with a term of one year or less can be repaid at maturity; 2. Loans with a term of more than one year need to be repaid with equal monthly principal and interest, and the principal can be exempted in the first half of the year. You can apply to the guarantee company for additional guarantee. The maximum loan is100% of the net mortgage value (within 3 years), and the guarantee fee is (3%/ year), which will be collected in one lump sum before lending. The longest period is 5 years, and the project can last 10 years (for example, borrowing money to build a factory building in the name of the company, etc.). ).

How to calculate the expected annualized interest rate of operating loans?

Loan interest calculation formula:

(1) The conversion formula of the expected annualized interest rate of RMB business is (note: common for deposits and loans):

1. Expected annualized interest rate (0/000)= Expected annualized interest rate (%)÷360= Expected annualized interest rate (‰)÷30.

2. Expected monthly annualized interest rate (‰) = expected annualized interest rate (%)÷ 12.

(two) banks can use the product interest method and the transaction interest method to calculate interest.

Concluding remarks

It can be seen that it is not easy to determine the expected annualized interest rate of enterprise operating loans, and it is up to the lending institutions to make comprehensive judgments according to the actual operating conditions of the owners. If the owner wants to know what the expected annualized interest rate is for the business loan on 20 15, it is best to find out clearly from the relevant lending institutions before the loan.

Frequently Asked Questions on Mortgage Loan for Business Property of Postal Savings Bank (Quota, Term and Interest Rate)

deadline

The term of mortgage loan for operating real estate is generally 5 years, the longest of which shall not exceed 10 year, and shall not exceed the statutory operating period or term of the borrower; When the loan term expires, the mortgaged property should still have a reasonable remaining service life, which should not be less than 10 year in principle.

loan rate

With the benchmark interest rate of loans of the same term and grade determined by the People's Bank of China as the benchmark, floating appropriately.

Repayment method

Repay according to the sales progress, and repay the principal at least once in the second half of the payment period.

What does the operating property loan mean? Look carefully!

Small and micro enterprises lack liquidity and often need to rely on bank loans to solve problems. There are many ways to apply for corporate loans now, and operating property loans are a popular way. So what does the operating property loan mean? Today we will briefly introduce the relevant content.

1. What is the significance of operating property loans?

Many banks and financial institutions will provide some products suitable for enterprises, such as operating property as collateral, because this property has operating income, so it can be used to repay debts.

What are the operation attributes? There are mainly the following points:

Office buildings, commercial buildings and industrial buildings that have been built and put into commercial operation, with standardized management, stable operating profit, abundant operating cash flow and good comprehensive income, mainly including office buildings, hotels and comprehensive commercial facilities.

The income of these operating properties includes all the income obtained by property owners from operating properties, including but not limited to: property rent, advertising space rent, temporary exhibition fee, management fee, deposit and admission fee.

Second, the introduction of operating property loans.

Many banks have operating real estate loans, such as:

Applicable customers: hotels or office buildings under the name of enterprises.

Loan form: real estate mortgage

Annualized interest rate: 8%- 10%

Service area: the whole country (except Hong Kong, Macao and Taiwan and the three northeastern provinces)

Financing subject: domestic enterprises

Loan amount: 80 million-65.438+0 billion.

Repayment method: interest first, then principal.

Loan term: the longest 15 years.

Operation period: 15 days

Service period: 20 days

Average amount: 80 million yuan