The company wants to buy a property worth 20 million yuan, which can be used as a bank mortgage loan. ...

1. The company wants to buy a property worth 20 million, which can be used as a bank mortgage loan. ...

Generally speaking, except for motor vehicles, banks are mortgage-secured loans. . . . The work requirement is stable for more than one year, and the company requires to operate for more than half a year.

2. What are the procedures and conditions for the company's mortgage loan?

What conditions do companies need to borrow from banks, and what materials do SMEs need to prepare for loans? The requirements for business loans are as follows: (1) The enterprise needs to open a basic account with a certain settlement amount in the loan review bank; The enterprise has been established for more than one year and has a legal and valid business license and a fixed business place; The borrowing enterprise and enterprise legal person have good credit; The enterprise continues to operate normally and has good income and repayment ability; The invoice amount in the last six months is not less than 6.5438+0.5 million, and the irradiation rate of the enterprise is not more than 60%; It is enough to provide collateral recognized by the bank as collateral (usually real estate as collateral). Enterprise loan procedures and processes If an enterprise meets the loan conditions, it can choose a loan application bank and then submit a loan application. The materials to be prepared include the basic information on the identity of the enterprise legal person or operator, the basic information of the enterprise, the information on the development of the enterprise and the explanation on the purpose of the loan. After receiving the loan application information, the bank will investigate and accept it. The main investigation direction is the credit status, operation status and loan use of enterprises and corporate. After the loan is approved, the bank will call the enterprise to reconfirm the loan amount, loan term and loan purpose. After confirmation, both parties sign a loan contract. After the loan is issued, the enterprise can repay the loan on schedule according to the time agreed in the contract. When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines; 4. Generally, regular products are strictly audited. Although they are easy to use, they are difficult to use, and so is the money spent. But I found the exclusive application channel required by the internal staff, and the payment rate is very high, so it is the most recommended product among the products. Since I have recommended it to everyone, I will present an exclusive application channel, and friends in need can apply for it themselves. Just remember to use flowers that day, otherwise the quota may be taken back, and friends have appeared before. Xiaoman-Rich Flowers (the second batch) Click online measurement.

There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms. 360 IOUs, with a maximum loan of 200,000! Click online measurement

Three, "new one loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days. The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months. Ping An Xin Yi Dai Click Online Measurement

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

3. Is it reasonable to charge 2,000 yuan per kilowatt hour for office buildings and properties?

The statement of the property company is not credible.

1. The maintenance fund shall be borne by the owner * * *, which was originally borne by the owner. In fact, 1.5 million includes the maintenance fund paid by the landlord. Therefore, charging this fee to supplement the maintenance fund now involves repeated charges. 2. The maintenance fund was originally used for the medium repair and replacement of the parts and facilities of the property, so there is no saying that "6,543,800 yuan+0.5 million yuan is advanced by the maintenance fund". Moreover, the re-raising of the maintenance fund is decided by the owners' meeting and paid by the owners. There is no such practice of filling the maintenance fund. 3. If you need to expand the air conditioner, you have to pay the capacity increase fee. You can consult the local power company or power supply bureau. Further discussion on this issue is welcome.

4. Operating real estate mortgage loan refers to the loan issued by Huaxia Bank to (), with the legally owned real estate as the mortgage and the principal and interest repaid by the operating income of the real estate.

A