Bringing you to understand the basic information of fixed asset loans
Introduction: when we need some money urgently in a short time, we can take a loan from the bank, and the fixed asset loans can help the enterprises to solve the financial problems in a short time. Today I am here to introduce you to some of the contents of the fixed asset loans.
A basic introduction to fixed asset loans
Fixed asset loans are state-approved projects that can be evaluated according to the fixed assets of the enterprise to analyze how much the enterprise can lend, fixed asset loans are conducive to promoting the development of China's national economy, enhance the people's concept of the market, so that it can also greatly improve the return on investment, and be able to expand the bank's regulation of the economy. The evaluation of the fixed assets of the enterprise when the fixed assets of the investment activities of the enterprise's capital construction, the transformation of enterprise technology, the development and production of new products and other aspects of the purchase.
The loans taken out are available in two currencies, Renminbi and foreign currencies. The maximum duration of the loan is five years. The interest rate of the loan is calculated according to the interest rate of the People's Bank of China for medium and long-term loans, which remains unchanged for one year and can be adjusted appropriately after one year.
Fixed asset loans have the following characteristics: 1, the term of the loan is longer than the term of the short-term loan (one year); 2, fixed asset loans have a double plan, it is subject to the constraints of the credit plan; 3, fixed asset loans have a management continuity, in the process of supervision, the funds can only be used in the production or circulation process, not only in the construction process is subject to the management, after completion of the project. Repayment period is also subject to management.
Two types of fixed asset loans are introduced:
(a) capital construction: capital construction loans, it is mainly for the development of the economy and the formation of a new type of project, this type of loan is mainly for the expansion of the enterprise, add plant, increase the workshop equipment and personnel, and therefore also called capital construction loans.
(ii) technological transformation: technological transformation loans are loans used for investment in fixed assets in enterprises represented by legal persons.
(iii) technological research and development: technological development loans, it is used in science and technology, medical, agricultural and other new products in the process of research and development, can be added to the fixed assets of the enterprise, when the enterprise funds are insufficient, more often use this type of loan.
(iv) commercial outlets: commercial outlets facilities loan is for the catering industry, tourism, chemical industry and other outlets in the facilities needed to fund the loan.
Three, fixed asset loan application procedures
1, the borrower to the fixed asset loan application and the bank required information to be submitted, which contains a business license, business financial statements for the last few years, the loan used to repay the plan description and so on.
2, the bank will assess the business, understand the profitability of the business, check the items to be mortgaged and guarantors.
3. A contract is signed and repayment is to be made within the period.
After the introduction, is not a comprehensive understanding of fixed asset loans?
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What is the fixed asset loan product definition and attributes of the introduction
One of the product definition
Fixed asset loan is the bank to solve the enterprise fixed asset investment activities of the financial needs of the loan, mainly for the construction of the fixed asset project, acquisition, remodeling and the construction of the corresponding facilities The fixed asset loan is a medium- and long-term local and foreign currency loan for the construction, acquisition, remodeling, and construction of the corresponding supporting facilities of the fixed asset project.
Enterprise fixed asset investment activities include: capital construction, technological transformation, development and production of new products and other activities, and the related purchase of housing, construction, purchase and installation of technical equipment.
Two important attributes
1, loan currency: there are two kinds of RMB and foreign currency.
2. Loan term: the loan term is mainly based on the borrower's production and operation cycle, project construction needs, repayment ability and the bank's credit fund balancing ability, etc., and is determined by the negotiation between the borrower and the lender. Generally not more than 8 years.
3, the loan interest rate: according to the People's Bank of China issued by the medium and long-term lending rate, the interest rate according to the borrowing contract to implement a certain year, that is, from the effective date of the contract, within one year, according to the agreed interest rate of the borrowing contract, in the event of interest rate adjustments remain unchanged; full one year after the adjustment based on the prevailing interest rate, the implementation of the new interest rate.
Three, product features
Fixed asset loans are characterized by long term and large loan amount, which can meet your fixed asset investment needs for fixed asset projects.
Fourth, the applicable object
Approved by the industrial and commercial administrative organs (or competent organs) registration, the implementation of independent accounting enterprise legal person, business legal person and other economic organizations.
V. Application Requirements
1. Holding the business license of the enterprise which has passed the annual inspection by the administrative department for industry and commerce, and the enterprise legal person shall hold the document certifying the qualification of legal person;
2. Holding the loan certificate/card issued by the People's Bank of China;
3. The borrower applicant has good economic efficiency, good credit standing, strong debt repayment ability and perfect management system;
4, the implementation of bank-approved guarantees;
5, in the bank to open a basic account or general deposit accounts;
6, fixed asset loan projects in line with national industrial policy, credit policy;
7, with the state's prescribed proportion of capital;
8, the project by the relevant government departments for approval and approval, supporting conditions are ready, imported equipment, materials, sources of supply Implementation.
9, the application for foreign exchange fixed asset loans, must hold import certificates or registration documents.
6. Application materials
Application for credit business; basic information of the borrower, qualification documents, loan certificates (cards), authorization letters, etc.; the list and sample signatures of the main person in charge of the board of directors and the person in charge of finances, and resolutions of the board of directors, etc.; tax registration certificates of the tax authorities that have passed the annual inspection; financial statements and reports of the last three years and the latest period that have been audited or approved by the authorized institutions; construction project materials, including project documents, including project certificates or registration documents. report; construction project materials, including the relevant background materials proposed by the project, self-financing and other construction funds, production fund-raising programs and the implementation of the source of funds to prove the materials, project proposal and approval documents, feasibility study report and approval documents, project budget estimates, project pre-project preparatory completion report and related information, planning permission for the construction project; guaranteed materials, including the guarantor's supporting documents, financial information, commitment documents for guarantee, list of collateral and proof of ownership; and other information required by the bank.
VII. Application Procedures
1. Submission of Application. The borrower submits to the bank an application for the loan and the relevant information required by the bank, including business license, articles of incorporation, financial reports for the past three years, project and approval documents, project economic benefit analysis, repayment plan.
2, pre-credit assessment. The bank carries out pre-credit investigation and assessment, investigates the borrower's credit rating as well as the legitimacy, safety and profitability of the loan, verifies the collateral, pledge and guarantor, and forms an assessment opinion.
3. Signing the contract. If the bank investigation and approval is considered feasible, the two sides on the loan contract, mortgage contract, the terms of the security contract to reach agreement, the parties concerned to sign the contract.
4, the implementation of the guarantee. After the borrower and the bank signed the loan contract, the need to implement third-party guarantees, mortgages, pledges and other guarantees, for the registration of guarantees, notarization or collateral insurance, pledges deposited with the bank and other procedures.
5, loan acquisition. The borrower to complete the bank to issue loans before the relevant procedures, the loan contract will come into effect, the bank can issue loans to you, you can use the loan according to the contract.
Eight, charges
Loan charges are agreed through the contract.
Advantages
Fixed asset loans are relatively stable and fixed. Loan repayment plans and long-term loans can be included in the budget.
Can assist in the purchase of assets otherwise unaffordable.
Purchased assets will serve as collateral for the loan.
Disadvantages
Long-term loans have higher interest rates than short-term loans.
Loan applications are usually very detailed. Lenders require a lot of information on purchase details and business finances.
If the loan contract is breached, the entire loan may need to be repaid immediately.
If the loan is not repaid, the lender may seize assets and cripple the business.
What is a fixed asset loan?
Fixed asset loans are loans in local and foreign currencies issued by enterprises, public institutions and legal persons or other organizations that can act as borrowers according to the state regulations, and are used for the borrower's fixed asset investment. Fixed asset loans include capital construction loans and renewal and reconstruction loans.