A lot of business properties can be used as collaterals for mortgage loans, which are summarized as the following:
1. First of all, of course, is the real estate and real estate of the enterprise, such as factory buildings, titled land and so on. This type of real estate is also the most acceptable collateral for lending institutions.
2. Equipment and transportation of the business. For example, power equipment, working machines, scientific instruments and other production equipment; transportation can be vehicles, transportation equipment, etc..
3. Current assets of the enterprise. For example, fuel, commodities, bills of lading and so on.
4, the enterprise's securities. For example, the enterprise is legally owned by the treasury bills, financial bonds, bank promissory notes, company stock and other marketable securities.
5, enterprise intangible assets. Mainly including copyright, trademarks, patents and other intangible assets, this type of collateral is usually used to pledge loans more
What are the types of business loans?
An enterprise loan is a form of borrowing from a bank or other financial institution for the purpose of production and operation at a specified interest rate and for a specified period of time. Enterprise loans are mainly used for the purchase of fixed assets, technological transformation and other large long-term investment. Currently, enterprise loans can be divided into: working capital loans, fixed asset loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, single Geng term depository receipt pledge loans, gold pledge loans, syndicated loans, banker's acceptance, banker's acceptance discount, commercial acceptance discount, buyer's or agreement to pay interest on bills discount, recourse to domestic factoring, export tax rebate account custodianship loans.
What are the interest rates on business loans and what is currently required for a business mortgage?
Hello, the premise of our enterprise loan is to open a public settlement account in our bank, and need to provide certain collateral, the collateral can be the legal representative or shareholders of the real estate, the enterprise name of the plant, equipment and so on. The company has a number of branches that carry out special unsecured loan business, if you see/receive similar publicity information, the details need to contact the local branch or sub-branch customer service manager to consult, the company name of the loan amount is generally more than 5 million yuan; if the loan demand is less than 5 million yuan, you can consider the personal operating loans, or small and medium-sized enterprise loan business.
Our bank's website has now published the latest interest rates of the People's Bank of China (PBOC), and the interest rates of the corporate loans are floating on this basis (floating range of 0.9 to 1.7), please copy (ctrl c) the following URL to open the view: cmbchina/.... .cdrate
(If there are other questions, we recommend that you consult the "online customer service" forum.cmbchina/.... .ncmu=0. Thank you for your attention and support!)
What are the characteristics of the enterprise fixed asset mortgage
1. long loan period
Fixed asset reproduction activities, compared with the general product production activities, has a huge body, the characteristics of the long production cycle, and thus the fixed asset loan loan period than the general short-term loans.
2. Dual planning
Fixed asset loan projects must not only be included in the national fixed asset investment plan, and have the conditions for the construction of the project, and must be subject to the constraints of the credit plan to determine the size of the fixed asset loan.
3. Management continuity
General supervision and management of working capital loans is limited to the production or circulation process, while the fixed asset loans not only to manage the construction process, but also the completion of the project into operation still need to be managed until all the principal and interest are paid off.
The movable assets mortgage which can be used as collateral for the enterprise
1. Aircraft, ships, automobiles and other special movable assets. The special feature of this kind of movable property is that its ownership status is determined by registration, and its transaction is also subject to transfer registration. Therefore, some people call it a class of immovable property, can also be called registered immovable property. Mandatory registration of such movable property is the state of the mobility of those movable property, the value of the administrative management needs. Since it can be as immovable property can be registered to realize the effect of the publicity of the mortgage.
2. Enterprise machinery and equipment, agricultural implements, livestock. This kind of movable property is necessary for the production of enterprises or farmers, and can only be secured by a mortgage. Therefore, I feel that such movable assets should be set up a special registration system and registration authority. It should be said that it is easier for third parties to grasp such movable assets by registering special mortgages and stipulating the obligation of third parties to search for them. Moreover, the mobility of these movable assets is small, and the adoption of a registration system will not have too much impact on the smoothness of transactions. However, it should be noted that the collateralized livestock should be limited to productive livestock, and for sheep, pigs, chickens, ducks and other unproductive, should not be allowed to establish a mortgage.
3. Products, materials and other movable assets of the enterprise. This kind of movable property because of its mobility, allowing the creation of a mortgage is obviously not conducive to the protection of the mortgagee and the interests of third parties. The adoption of the registration system, the third party's obligation to search, and is bound to affect the normal conduct of transactions. Therefore, such movable assets should not be allowed to establish a separate mortgage, but can be set up with other property of the enterprise floating security.
These are some of the provisions of the movable property mortgage, I hope to help you
What information do you need to provide for the guarantee of the enterprise loan
Do you mean the information to be provided as a borrower of the enterprise or as a guarantor of the enterprise to provide information? First, the borrower to provide information 1, a copy of the original business license (need to have an annual inspection mark) 2, organization code certificate 3, tax registration certificate 4, account opening license 5, loan card 6, charter or partnership agreement 7, the end of the last two years and the recent statements 8, the legal representative of the ID card and certificate, the directors of the ID card 9, the capital verification report 2, the guarantor to provide information 1, business license 2, the charter or partnership Agreement, capital verification report 3, organization code certificate 4, loan card 5, the last two years statements and recent statements 6, legal representative ID card, director ID card 7, collateral property rights certificate
Company or enterprise if you want to loan what can be mortgaged, operating rights, ownership or
Company or enterprise if you want to loan mortgage real estate, equipment, vehicles, products, etc., in short, as long as it is from their own The first thing that you need to do is to get your hands on a new one, and you'll be able to do it in a way that you don't have to.
In addition, you can also mortgage equity loans.
In addition, if there is no collateral, you can also find a third-party guarantee mortgage, that is, the third party's assets mortgage, of course, you must negotiate with the third party to do so.
What are the best loan companies to do home mortgages? The best way to do this is to get a mortgage from a third party. Thank you
Xinghong Financial Loan Company . In Beijing is very famous, 160 cities in the country home mortgage can do, a wide range, and fast lending, the process is also relatively simple.
What are the home mortgage companies? The main want to do agent 100 points
The conditions for real estate mortgage to meet the requirements of different regions of the bank requirements may vary, specific to the local bank application conditions prevail,
The conditions of real estate mortgage:
1, the age of 18-65 years of age of natural persons;
2, have a legitimate occupation and a stable source of income, with the ability to repay the principal and interest of the loan on schedule,
2, have a proper occupation and stable source of income, with the ability to repay the principal and interest of the loan on schedule. Ability to repay the principal and interest of the loan on time;
3, no illegal behavior;
4, good credit, bad credit record;
5, able to provide effective rights recognized by the bank as a pledge of security or legal and effective real estate as a collateral guarantee or third-party guarantees with the ability to pay for the compensation;
6, open a personal settlement account with the bank, and agree to the bank to debit the loan from its designated personal settlement account. The property right of the house is clear and meets the conditions for listing and trading as stipulated by the state;
8. The property can be circulated in the real estate market without any other mortgages;
9. The age of the house and the number of years of the application for the loan can not be more than 40 years;
10. The mortgaged house is not included in the local urban renewal and demolition plan and has the property The house is not included in the local urban renovation and demolition planning, and has property and land certificates issued by the real estate department and land management department;
11, other conditions stipulated by the bank.
What are the loan channels for small and medium-sized enterprises in China
Small and medium-sized enterprise loans are generally divided into secured loans and unsecured loans. And there are several ways to break it down:
SME loan mode one, comprehensive credit
That is, for some enterprises with good business conditions and reliable credit, a certain amount of credit line is granted for a certain period of time, and the enterprise can use it in a revolving manner within the validity period and the line. The comprehensive credit line is a one-time declaration of relevant materials by the enterprise and a one-time approval by the bank. Enterprises can use the money in installments according to their own operating conditions and repay as they borrow, making it very convenient for enterprises to borrow money and saving the cost of loans at the same time. Banks use this way to provide loans, generally on the business registration, annual inspection, management, reliable credit, with the bank has a longer-term relationship with the enterprise.
SME loan mode two, credit guarantee loan
At present in the country's 31 provinces and municipalities, there are more than 100 cities have established small and medium-sized enterprise credit guarantee institutions. Most of these institutions implement the form of membership management, belonging to the public **** service, industry self-regulation, their own non-profit organizations. The source of the guarantee fund is generally composed of local *** financial allocations, member funds paid voluntarily by members, funds raised by the community, funds from commercial banks and other components. When member enterprises borrow from banks, they can be guaranteed by small and medium-sized enterprise guarantee organizations. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these difficulties. This is because guarantee companies are more flexible in their collateral requirements compared to banks. Of course, in order to protect their own interests, guarantee companies will often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will also send staff to the enterprise to monitor the flow of funds.
SME loan mode three, project development loan
Some high-tech small and medium-sized enterprises with significant value of the scientific and technological achievements of the transformation project, the initial amount of capital investment is relatively large, the enterprise's own capital is difficult to bear, you can apply for a project development loan to the bank. Commercial banks have mature technology and good market prospects for high-tech products or patented projects of small and medium-sized enterprises, as well as the use of high-tech achievements in technological transformation of small and medium-sized enterprises, will give active credit support to promote enterprises to speed up the transformation of scientific and technological achievements. For high-tech SMEs that have established a stable project development relationship with higher education institutions and research institutes or have their own research departments, banks can also handle project development loans in addition to providing working capital loans.
SME loan mode four, natural person guarantee loan
In August 2002, the Industrial and Commercial Bank of China took the lead in launching the natural person guarantee loan business, the future Industrial and Commercial Bank of China's domestic institutions, small and medium-sized enterprises for a period of three years or less credit business, can be a natural person to provide property guarantees and bear the responsibility of compensation. The natural person guarantee can be in the form of mortgage, pledge of rights or mortgage plus guarantee. The property that can be mortgaged includes individually owned property, land use rights and means of transportation. Personal property that can be pledged includes savings certificates of deposit, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee refers to a joint and several liability guarantee of the mortgagor on top of the property mortgage. If the borrower fails to repay all the loan principal and interest on time or other defaults occur, the bank will require the guarantor to fulfill the guarantee obligation.
SME loan mode five, personal entrusted loan
China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other commercial banks have launched a new variety of loan business - personal entrusted loan. That is, by the individual entrusted to provide funds, by the commercial banks in accordance with the principal to determine the object of the loan, the purpose, amount, period, interest rate, etc., on behalf of the issuance, supervision, use and assistance in the recovery of a loan. The basic procedure for personal entrusted loan is:
1. The principal to the bank to put forward the application for lending.
2. The bank selects and matches according to the conditions and requirements of both parties, and introduces them to the principal and the borrower respectively.
3. The client and the borrower meet directly to discuss and decide on specific matters and details such as the amount of the loan, the interest rate, the duration of the loan, the mode of repayment, etc.
4.
4. The borrower and the lender will go to the bank together and sign a commission agreement with the bank respectively after they have agreed on the requirements and conditions.
5. The bank investigates the creditworthiness and repayment ability of the borrower and issues an investigation report, and then the borrower and lender sign a loan contract and issue a loan after approval by the bank.
Small and medium-sized enterprise loan mode six, bill discount loan
Bill discount loan, refers to the bill holders will be commercial paper transfer to the bank, to obtain the funds after deducting the discount interest. In China, commercial paper mainly refers to banker's acceptance and commercial acceptance. This kind of ......