How about small and micro enterprises' industrial and commercial property home purchase loans?

China Agricultural Bank's industrial and commercial property purchase loan is a financing product for small and micro enterprises to purchase industrial houses or commercial houses for production and operation by mortgage, which meets the financing needs of small and micro enterprises to purchase industrial and commercial properties and relieves the cash flow difficulties caused by customers' one-time large expenditures. So what about small and micro enterprises' industrial and commercial property home purchase loans? How to apply for industrial and commercial property home loan for small and micro enterprises?

Product characteristics

First, the loan amount is high. The loan amount is determined according to the mortgage value of industrial and commercial real estate, up to 30 million yuan.

Second, the loan period is long. The loan term is comprehensively determined based on the expected cash flow, profitability and solvency of the enterprise, and the longest loan term can reach 10 year.

Third, the repayment pressure is small. By installment repayment, the borrower repays the principal and interest on a monthly basis, with little repayment pressure, leaving enough space for customers to flexibly arrange production and operation.

Handling guide

First, industrial and commercial property access. Agricultural Bank of China entered the cooperation park in accordance with relevant regulations.

Second, business applications. When handling business, the borrower shall submit a loan application to the Agricultural Bank.

Third, business acceptance. After accepting it, the Agricultural Bank shall require the borrower to provide the following information:

(1) Basic information of the enterprise.

(2) Financial statements, articles of association, resolutions of the board of directors, etc.

(3) proof of down payment, legal and effective purchase contract or agreement.

(4) Mortgage guarantee and other relevant materials.

(five) other information required by the Agricultural Bank.

Fourth, business approval. Agricultural Bank of China conducts loan investigation and approval.

Verb (abbreviation of verb) signing a contract. China Agricultural Bank signed a loan contract and a guarantee contract with the borrower.

6. Loan issuance.

Note: The specific business types, processes and conditions shall be subject to the relevant regulations of the local branch of Agricultural Bank of China.