How to borrow corporate loans in Ningbo, Zhejiang? Pay attention to these things

Ningbo is a representative city of Zhejiang Province, with good economic development. Many enterprises in this field have started to return to work, but the funds are tight and they need to rely on loans to turn around. Corporate loans are different from personal loans, and many people may not know how to apply. Here is a brief introduction.

How to borrow corporate loans in Ningbo, Zhejiang?

Enterprise loans are business loans, which are loans provided by lending institutions or banks to small and medium-sized enterprises for production and operation. For example, they can be used to buy social security and pay wages. Usually, an enterprise legal person or shareholder applies in the name of the company. After the loan is successful, the funds will be transferred to the enterprise loan card, and the institution will supervise the use of funds at any time.

Like personal loans, there are many kinds of corporate loans, such as credit loans, mortgage loans, pledged loans and secured loans. Different types of loans have different loan conditions, quotas and deadlines, and enterprises need to choose suitable products according to their own qualifications and operating conditions.

If the enterprise is in good operating condition and pays taxes in good faith for two consecutive years, you may wish to try to apply for a corporate tax loan. For example, Wechat business Loan and Ping An Bank Tax Loan are all suitable for enterprises that pay taxes in good faith.

Here, I would like to remind you that many corporate loans have provisions on the establishment time of enterprises. For example, banks require enterprises to be established for at least 2 years and have relevant industry experience. If it is a start-up, this is very difficult to do. However, if the enterprise legal person or major shareholder has good qualifications, it can try to borrow money in the name of an individual and then repay it with the income of the enterprise.

Like many bank credit loans, the amount is relatively high, such as e-loan from China Merchants Bank, fast loan from Agricultural Bank of China and fast loan from China Construction Bank. And the maximum amount is 300,000 yuan, which is enough to maintain the operation and production of the enterprise.