How to calculate the operating loan amount?

How much can the individual operation of Agricultural Bank of China borrow? Depending on the loan type

Now many people are tired of working for others, so they start their own businesses and become their own bosses. When they encounter financial difficulties, they will apply for personal business loans from banks. A friend heard that ABC also has personal business loans, so he came to consult how much he could borrow. Here is a brief introduction to the relevant contents of the personal operating loan amount of Agricultural Bank of China.

Personal business loans of Agricultural Bank of China can be divided into three types, including personal business loans, business real estate loans and rural personal production and operation loans with different amounts:

Personal employment loan:

Personal employment loans refer to RMB loans issued by China Agricultural Bank to individual industrial and commercial households and small and micro enterprise owners, which are legally operated, supported by credit or guarantee and have no collateral.

As for the loan amount, the starting point of the single-family loan amount is 50,000 yuan, and in principle, the maximum is not more than150,000 yuan, depending on the method.

65,438+0. Credit loan: In principle, the maximum loan shall not exceed1000000 yuan, and shall not exceed 10% of the net assets of the borrower, unless otherwise stipulated by the Head Office.

2. Guaranteed loan: in principle, the maximum single-family loan guaranteed by a natural person shall not exceed/kloc-0.5 million yuan; Credit guarantee institutions, market managers, and enterprise legal persons guarantee a single-family loan amount of no more than 3 million yuan in principle.

Operating property loan amount:

Operating property loans refer to loans issued by Agricultural Bank of China to owners of operating properties with legal loan qualifications, with the property they own as collateral and the operating income of the property as the main source of repayment.

The amount of this loan is determined according to the cash flow of the property that can be used to repay the loan, and the evaluation value of the property should be considered comprehensively. The maximum loan amount shall not exceed 70% of the assessed value of the collateral.

Loan amount for rural individual production and operation:

Agricultural Bank of China provides large loans to individual members of farmers' families to meet their capital needs for large-scale production and operation. The starting point of the single-family quota is 654.38+10,000 yuan (excluding), and the maximum quota varies according to different guarantee methods:

1. If a professional guarantee company is adopted, the single-family quota shall not exceed 3 million yuan (inclusive); If other guarantee methods are adopted, the single-family quota shall not exceed RMB 6,543,800+0,000 (inclusive).

2. If the deposit certificate, national debt or life insurance policy with cash value is pledged, the single-family quota is not limited by the maximum quota;

3. If real estate mortgage is adopted, the single-family quota shall not exceed100,000 yuan (inclusive);

4. If other mortgage or pledge guarantee methods are adopted, the maximum amount for a single household shall not exceed 3 million yuan (inclusive).

5. The maximum amount of a single household with recyclable self-service mode shall not exceed 500,000 yuan (inclusive).

How to calculate the enterprise loan amount?

The enterprise loan amount is determined according to the comprehensive information of the enterprise, including credit, income, collateral, etc. How much depends on the results of bank audit, and each enterprise may be different. If you want to know the quota, you can call the bank.

1. Enterprise loan refers to a way for an enterprise to borrow money from a bank or other financial institution at a specified interest rate and time limit for the needs of production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

2. Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects. According to the purpose of the loan, it is divided into capital construction loan and technical transformation loan: capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.

3. Application conditions: it conforms to the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; The enterprise has a good reputation in various commercial banks and has no bad credit record; Having a business license approved and registered by the administrative department for industry and commerce, and having passed the annual inspection; It has the necessary organizational structure, business management system and financial management system, a fixed foundation and business premises, legal operation, and products with market and benefits; Having the ability to perform contracts and repay debts, having a good willingness to repay, and having no bad credit record, and the credit asset risk is classified as normal or non-financial factors; The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record.

Calculation formula of net profit of personal business loan

The formula for calculating the net profit of personal business loans is: annual income-(annual tax+annual depreciation+payable this year) = net profit.

How to calculate the enterprise loan amount

Hello, the loan amount is evaluated according to your comprehensive credit situation. Everyone's credit situation is different, and the amount obtained is different. The amount of common micro-loans in the market is basically between 500,000 and 300,000. However, in addition to checking the amount of loans, it is mainly necessary to choose a formal platform to ensure the safety of funds and information.

It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.