2. Mortgage loan process:
(1) Go to the district/county real estate bureau where the property right house is located with the property right certificate and ask whether it is possible to register the property right mortgage;
(2) If you get a clear answer, you can apply for a mortgage loan from CCB's personal comprehensive consumer loan institution with the Property Certificate and relevant personal data;
(3) CCB entrusts a real estate appraisal agency to appraise the self-owned property provided by the applicant, submits a real estate appraisal report, and charges a handling fee of 3‰ of the appraised value;
(4) CCB assists the applicant to handle the formalities of real estate insurance and the corresponding loan approval procedures, and the maximum loan amount does not exceed 70% of the assessed value, and approves the issuance of loan contracts and mortgage contracts;
(5) The borrower shall go through the mortgage registration formalities with the real estate license and loan contract at the county real estate bureau where the real estate is located, and the agency expenses shall be borne by the borrower;
(6) After the mortgage registration is completed, CCB can release the loan to the borrower's personal savings account.
Two. hypothecated loan
1. Pledged property: the right certificate legally held by the borrower or a third party, including:
(1) securities. Including financial bonds, AAA-level corporate bonds and government bonds issued by Beijing Branch (except those not pledged according to laws and regulations);
(2) Certificate bonds issued by Beijing Branch (issued after 1999);
(3) Personal time deposit certificates in local and foreign currencies and time all-in-one passbook issued by Beijing Branch;
(4) Other legal and valid power certificates recognized by Beijing Branch.
2. Pledge process:
(1) Apply for a pledge loan from an individual comprehensive consumer loan institution with the certificate of rights;
(2) Verify the pledge right certificate and register the eligible pledge;
(3) CCB receives the pledge right certificate, goes through the loan examination and approval procedures, and the maximum loan amount does not exceed 90% of the face value of the pledge right certificate, and signs a loan contract and a pledge contract with the applicant who has approved the loan;
(4) CCB issues loans to the borrower's personal savings account.
Third, portfolio loans.
The borrower can apply for the same personal comprehensive consumption loan with the mortgage or pledge right certificate, and the loan amount is accumulated according to the loan amount allowed by the two guarantee methods. The loan process is the same as above.
Fourth, credit loans.
1. The borrower applies for a personal comprehensive consumption loan with his own credit, and CCB determines the loan amount according to the borrower's credit status, with a maximum of 600,000 yuan.
2, the information provided by the loan applicant (the following information can be);
(1) My valid ID card, household registration book and military officer's card.
(2) Credit investigation letter issued by the unit, including professional nature and employee stability.
(3) Personal comprehensive monthly income certificate.
(4) Personal work permit and representative salary record or salary list.
(5) academic certificate and professional title certificate.
(6) Proof of housing conditions such as real estate license or house lease contract.
(7) Marital status and children.
(8) recent bills of water, electricity, gas and telephone bills or certificates from neighborhood committees.
(9) Business transaction vouchers such as personal loans related to CCB.
(10) personal dragon card and semi-annual statement.
(1 1) Proof of other financial assets (such as stock delivery notes, savings, personal insurance, funds, national debt, etc.). )
(12) Other materials required by customers.
3. The account manager determines the loan amount and term according to the borrower's credit rating, goes through the loan examination and approval procedures, and signs a loan contract with the applicant who approves the loan.
4. CCB issues loans to the borrower's personal savings account.
Can prepayment save interest expenses?
Whether repaying the loan in advance can save interest expenses depends on how many days in advance. Because the annual interest rate of the bank is calculated on the basis of 360 days, but there are 365 days in a year. Therefore, for a loan with a term of 1, if the loan is repaid in advance, the actual days of the loan will be reduced by 360 days, which can save interest expenses; But if the actual number of days of the loan exceeds 360 days, you will unfairly pay more interest.
In 2006, Miss Jiang borrowed 1 year personal consumption loan of 500,000 yuan from the bank with real estate mortgage, with the interest rate of 7.254% (one-year basic sacrifice? ? .58%), the loan expires on March 29, 2007. In order to save interest expenses, she repaid 500,000 yuan in advance on March 28th this year. After the repayment, Miss Jiang went home and calculated it carefully and found that there was a problem. The bank seems to have overcharged interest. Even if the repayment is due, the interest is only 36,270 yuan. You can repay the loan one day in advance, taking up one day less bank funds, but paying more interest? Later, Miss Jiang called the bank to know that she had repaid the loan in advance and lost money. Originally, the bank stipulated that for the loan with a term of 1 year, the repayment method of "paying off the loan principal and interest at one time" was implemented: when the loan is returned at maturity, the interest is calculated according to "loan principal × annual interest rate"; In case of prepayment, the interest shall be calculated according to "loan principal × loan daily interest rate × actual loan days". The calculation formula of the bank's interest rate against Japan is: the annual interest rate is 360 days. According to the regulations of the bank, if Miss Jiang repays on March 29th, the bank will calculate the interest according to the due repayment. The calculation formula is as follows: loan principal is 500,000 yuan × annual interest rate is 7.254%× 1 year = 36,270 yuan. When Miss Jiang repaid the loan on March 28th, the bank calculated the interest according to the actual loan days of 364 days. The calculation formula is as follows: loan principal 500,000 yuan × (annual interest rate 7.254%÷360)× actual loan days 364× 1 year = 36,582 yuan. Where the daily interest rate = annual interest rate of 7.254%÷360, then Miss Jiang obviously has to pay 3 12 yuan (36,582-36,270 yuan) more interest for prepayment, which is really a big loss. Miss Jiang's loss experience has taught us a lesson: for the loan with a term of 1, repaying the loan in advance may not necessarily save interest expenses. Whether repaying the loan in advance can save interest expenses depends on how many days in advance. Because the bank's annual interest rate is 360 days, but there are 365 days in a year, a difference of 5 days; The actual borrowing days are 360 days, which is the same balance point with the interest expenses of prepayment and maturity repayment. Therefore, if the loan is repaid in advance and the actual number of days of the loan is reduced by 360 days, interest expenses can be saved; On the contrary, if you repay the loan in advance, so that the actual number of days of the loan exceeds 360 days, you will pay unfair interest more. Therefore, the seemingly simple repayment of loans actually hides a lot of knowledge, which cannot be ignored or taken for granted. Knowing the "true meaning" of repayment will save you a lot of money and minimize your bank borrowing costs. [Edit this paragraph] Loan Loan
A form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
There are many kinds of loans, which can be divided into term loans and demand loans according to the different loan periods. For term loans, the borrower must repay the principal and interest within the agreed time limit; For demand loans, there is no repayment period. Customers can repay all or part of the loan at any time, and banks can also ask borrowers to repay the loan at any time. According to the nature of guarantee, loans can also be divided into mortgage loans and credit loans. Mortgage loan refers to a loan secured by commodities, commodity certificates or other items; Credit loan means that when a bank lends money, there is no certain physical guarantee, and usually only the borrower issues his own signed bill. In China, bank loans include working capital loans, technical transformation loans, capital construction loans, major repair loans, settlement loans, pre-deposit loans for agricultural and sideline products, agricultural production revolving loans and agricultural production equipment loans.
According to the relevant regulations on state-managed funds, Chinese banks must, in principle, lend liquidity within the quota of state-owned enterprises and pay interest at a lower interest rate; For the demand for funds exceeding the quota, banks will lend according to the financial situation of enterprises and themselves, and generally pay higher interest. If the borrower fails to repay the loan on schedule for some objective reasons, the repayment period may be extended after the receipt is re-filled and approved by the bank. However, if the loan unit cannot repay the loan on time due to subjective reasons such as poor management, the loan repayment period cannot be extended, and the bank will charge interest or deduct the loan.
China's specialized banks have the following division of labor in loan business: Industrial and Commercial Bank of China and Agricultural Bank of China issue industrial loans, agricultural loans and commercial loans; The People's Construction Bank of China is responsible for infrastructure loans; Bank of China is responsible for RMB loans and foreign exchange loans of foreign trade enterprises; China Investment Bank is responsible for utilizing World Bank loans and other foreign capital raised.
What kinds of loans are there?
Loans are divided into short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of 1 year (inclusive). Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years). Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Loans are divided into credit loans and secured loans according to whether they are secured or not. Credit loan is a loan issued according to the borrower's credit status. There is no "guarantor" or other guarantee. A secured loan refers to a loan provided by the borrower or a third party according to law. Secured loans include secured loans, mortgage loans and pledged loans. Guaranteed loan, mortgage loan or pledge loan refers to the loan issued by way of guarantee, mortgage or pledge as stipulated in the Guarantee Law of People's Republic of China (PRC). For example, personal housing loans and automobile consumption loans are all secured loans with housing or automobiles as collateral.
For rural credit cooperatives, according to the object and purpose of loans, there are mainly rural industrial and commercial loans, consumer loans, student loans, real estate loans, farmer loans, agricultural economic organizations loans and other loans.
I. Self-operated loans, entrusted loans and special loans:
1. Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way, with risks borne by the lender and principal and interest recovered by the lender.
2. Entrusted loans refer to loans provided by customers such as government departments, enterprises, institutions and individuals, which are issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, term and interest rate determined by the customers. The lender (trustee) only charges the handling fee and does not bear the loan risk.
3. Special loans refer to loans granted by wholly state-owned commercial banks after taking corresponding remedial measures for the losses that may be caused by loans with the approval of the State Council.
Two, short-term loans, medium-term loans and long-term loans:
1, short-term loan, refers to the loan term within 1 year (inclusive).
2. Medium-term loans refer to loans with a loan term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).
3. Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Three, credit loans, secured loans and bill discount:
1. Credit loan refers to the loan issued by the borrower's credit.
2. Secured loans refer to secured loans, mortgage loans and pledged loans.
Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), with the borrower undertaking general guarantee liability or joint liability as promised.
Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).
Pledged loan refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC).
3. Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.
Two. Loan term and interest rate
(1) The term of personal small short-term credit loan is less than 1 year (inclusive).
(2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
(3) The starting point of personal small short-term credit loans is 2,000 yuan, and the loan amount is no more than 6 times of the borrower's monthly salary, with a maximum of 20,000 yuan.
(four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
Bank loan (bank loan)
What is a bank loan?
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Classification of bank loans
According to different classification standards, there are many types of bank loans. For example:
According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.
According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
According to the loan scale, it can be divided into wholesale loans and retail loans;
According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Types of bank loans in Britain and the United States
(1) General loan amount and standby loan commitment. Ordinary loan line is a form of loan subject to informal agreement. Based on the seasonal and regular characteristics of capital demand, enterprises enter into informal agreements with banks to stipulate the maximum loan amount that banks can provide to enterprises within a specified period, during which enterprises can obtain bank loans at any time. When an enterprise applies for a loan line, it must explain its recent financial situation to the bank, and the bank will decide whether to grant credit and implement the agreement according to its credit status and its own business requirements. Standby loan commitment is a form of loan agreed in a more formal and legally binding agreement. The enterprise signs a formal loan agreement with the bank, and the bank promises to provide loans to the enterprise within the prescribed time limit and limit, and requires the enterprise to pay the commitment fee to the bank.
(2) Working capital loans and project loans. Working capital loan is a kind of loan form that determines the loan term and amount according to the product sales progress according to the characteristics of long production cycle, large raw material reserve and slow withdrawal of funds. Project loan is a large-scale construction project with high risk and high cost, which has the characteristics of large amount, high risk and high interest rate. The rationality and feasibility of the project is the basis for deciding whether to lend or not, and the recourse of the loan debt is for the project, not for the company and enterprise. For super-large projects, many banks usually provide loans in the form of bank syndicates or syndicates to spread risks.
(3) Bill discount. Compared with ordinary loans, bill discount has the following characteristics:
① Credit recipients. Bill discount is aimed at bills rather than borrowers;
② loan amount. The amount of the discounted loan is only related to the bill denomination, discount rate and the remaining term of the bill, and is not affected by the loan purpose, the borrower's financial situation and other factors;
(3) The way and duration of capital return. Bill discount can recover funds in advance through bill discount and rediscount;
④ Risks and benefits. Bill discount has a reliable repayment guarantee mechanism and risk diversification mechanism, but the income is lower than that of ordinary loans.
(4) Credit account and overdraft account. Credit account is a convenient form for banks to arrange installment loans. Overdraft account is a convenient way to provide loans to customers with current accounts in banks. [Edit this paragraph] Types of bank loans in China 1996 In the General Rules for Loans promulgated by the People's Bank of China in June, loans are classified as follows:
(1) Self-operated loans, entrusted loans and specific loans. Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender. Entrusted loan refers to the loan provided by the government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk. Specific loans refer to loans granted by wholly state-owned commercial banks with the approval of the State Council after taking corresponding remedial measures for the losses that may be caused by loans.
(2) Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years).
(3) Credit loans, secured loans and discounted bills. Credit loan refers to the loan issued by the borrower's credit. Secured loans refer to secured loans, mortgage loans and pledged loans. Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), with the borrower undertaking general guarantee liability or joint liability as promised. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). Pledged loan refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC). Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.
Bank loan method
Small and medium-sized enterprises' skills in obtaining bank loans;
Establish a good relationship between banks and enterprises.
Pay attention to credibility.
Investment projects should write a feasibility study report, highlighting the characteristics of the project.
Choose the right loan opportunity.
Get the support of SME guarantee institutions.
(1) Venture loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability. If the enterprise reaches a certain scale, it can give a higher amount of loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. To support laid-off workers to start businesses, the interest rate of business start-up loans will be lowered according to the same interest rate stipulated by the People's Bank of China, and they can enjoy a certain percentage of government discount.
(2) Mortgage loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
Suitable for entrepreneurs are: real estate mortgage loan, chattel mortgage loan, intangible assets low-pressure loan and so on.
Real estate mortgage loan. Entrepreneurs can use real estate such as land and houses as collateral to obtain loans from banks.
Chattel mortgage loan. Entrepreneurs can use stocks, government bonds, corporate bonds and other securities recognized by banks, as well as movable property such as gold, silver and jewelry as collateral to obtain loans from banks.
(3) Pledge loan
In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the loanable deposit certificate amount of the pledged loan; 90% of the denomination of the national debt that can be loaned by the national debt pledge loan; The amount of the loan pledged by the insurance company shall not exceed 80% of the cash value of the policy at that time.
Judging from the scope of pledge, the scope is relatively wide, such as certificates of deposit, treasury bills, bills of lading, trademark rights, industrial property rights and so on. Entrepreneurs can apply for bank loans as long as they can find their own things and take these rights as collateral.
(4) secured loan
If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions only by looking for one or two colleagues to guarantee, and all kinds of materials can be approved on the same day and venture capital can be obtained quickly.
(5) Small loans for laid-off workers
According to the regulations, "laid-off and unemployed people under 60 years old, healthy, honest and trustworthy, and with certain labor skills, who are engaged in self-employment, self-employment, partnership or organized employment, can apply for small secured loans from commercial banks or their branches with the re-employment concession card issued by the labor and social security department. Entrepreneurs can hire laid-off workers, and after consultation, they can apply for unemployment loans with re-employment concession cards. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.
(6) International trade financing
International trade financing refers to short-term financing or credit facilities provided by the government and banks to import and export enterprises related to import and export trade settlement. These businesses include letter of credit opening, import bills, delivery guarantee, export bills, packaged loans, discount of foreign exchange bills, international factoring financing, forfaiting, export buyer's credit and so on.
1) Short-term financing of international trade
* Exporters can obtain short-term funds from imported goods and banks. Including: ① advance payment from importer to exporter. ② Banks provide loans to exporters, such as unsecured loans, trust receipt bank loans, export commodity mortgage loans, packaged loans, goods in transit mortgage loans, foreign storage loans, etc.
* Importers can obtain short-term funds from exporters and banks. Including: ① loans provided by exporters to importers, such as account opening credit and bill credit. ② Banks provide loans to importers. Including direct bank financing for importers, discount of acceptance bills, bank acceptance letters of credit and letter of credit financing.
2) Long-term financing (export credit) in international trade Export credit is an economic activity in which the government or banks provide credit funds to domestic exporters, foreign futures dealers or importer banks to encourage domestic enterprises to export goods. This is an important trade finance method for small and medium-sized enterprise to alleviate that financial pressure. Including seller's credit and buyer's credit.
Seller's credit refers to an export credit method in which banks provide credit to domestic exporters and exporters provide deferred payment credit to importers.
Buyer's credit refers to a form of export credit in which the exporter's local bank draft or a credit company provides loans to the importer's local bank or importer to broaden the scope of commodity export.
(3) Compensation trade financing
Compensation trade financing refers to the economic activities that overseas institutions provide domestic enterprises with machinery and equipment, technical services and training as loans, and domestic enterprises repay them with the products of the project or by other agreed means after the project is put into production. This way is one of the effective ways to solve the backward equipment technology and the shortage of funds in small and medium-sized enterprises. This kind of financing means that foreign investors import enterprise equipment and technology first, and then pay the import price by installments with the income obtained from it or the products produced.
The general procedure is:
Feasibility study on project financing. It mainly includes investigating the supporting construction environment and conditions of the project in China and enterprises, such as supporting funds, technology, talents, land, raw materials, infrastructure and relevant national policies; The economic and social effects of the certification project; Because the products are oriented to the international market, it is necessary to certify their international competitiveness and overseas market prospects.
Determine the project and submit it for approval. After the project feasibility demonstration is qualified, the relevant materials shall be submitted to the prescribed competent department for examination and approval.
Negotiate with foreign businessmen. The main contents of the negotiation include equipment or technical performance, price, quantity, installation, maintenance and personnel training; Definition of ownership of transferred technical property rights; The quantity, specifications and quality standards of the products to be reimbursed; Time limit for repayment.
Sign the contract. After both parties reach an agreement, the relevant negotiation results will be written into the contract.
Fulfill the contract. After the contract comes into effect, both parties will operate according to the contract, and the enterprise will make trade financing repayment according to the contract.
(7) Comprehensive credit granting
Comprehensive credit, that is, the bank grants a certain amount and a certain period of credit to some high-quality customers (customers or customers who can provide low-risk guarantees) with good operating conditions and reliable credit, and enterprises can recycle them within the validity period and credit line.
The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money in stages according to their own business conditions, and borrow and return it, which also saves financing costs. Comprehensive credit quality customer conditions:
The credit rating is above AA+ (inclusive).
The asset-liability ratio is not higher than the good value of the customer's industry.
The balance of contingent liabilities shall not exceed the net assets.
There was no operating loss in the past two years, and return on total assets was not lower than the industry average in the first half of the year.
No bad credit record in the past two years.
(8) secured loans
Secured loan refers to a loan method in which the borrower provides a third-party guarantor that meets the statutory conditions to the bank as a repayment guarantee. When the borrower fails to perform the repayment obligation, the bank has the right to ask the guarantor to perform or bear the joint and several liability for repayment of the loan as agreed. These include loans secured by natural persons, loans secured by professional guarantee companies and loans secured by custody. According to the above methods, more specific financing methods can be formed. For example:
1) bill discount financing. It means that the holder transfers commercial bills (mainly bank acceptance bills and commercial acceptance bills) to the bank and obtains the funds after deducting the discount interest. Financing in this way, the cost is very low, just bring the corresponding bills to the bank to handle the relevant procedures.
2) Intellectual property pledge loan. It refers to applying to the bank for financing after evaluating the legally owned patent rights, trademark rights and property rights in copyright.
3) export loans. It means that for enterprises that produce export products, banks can provide packaged loans according to export contracts or credit visas provided by importers; Enterprises with cash accounts can provide foreign exchange mortgage loans; For enterprises with foreign exchange income sources, they can obtain RMB loans with foreign exchange certificates; Enterprises with good export prospects can also borrow a certain amount of technical transformation loans.
In addition, for small temporary loans, credit card overdraft can also be used to obtain funds. At present, the overdraft function of bank credit cards is increasing day by day. Generally, a credit card costs as little as 3,000 and as much as 5,000. For small-scale entrepreneurs, several shareholders or several family members, each with a few more cards can also solve the problem of no funds to buy for a certain period of time (for example, 60 days).
Four interest-saving strategies for bank loans
Four interest-saving strategies of bank loans: reasonably planning the length of loan period
Strategy 1: Shop around and choose a bank carefully.
At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, the fund demanders should "shop around" and choose low-interest banks to lend.
For example, the same loan is 654.38 million yuan, and the loan period is one year. One is to implement the benchmark interest rate, and the other is to implement the interest rate that rises by 20%. If you choose the latter, you will pay 6,543,800 yuan more than one year.
Strategy 2: Plan the election period reasonably.
For those who need funds, it takes a long time to use them. Therefore, in order to avoid paying more interest, when making a bank loan, we should plan the loan term reasonably. It is also a loan. The longer the loan grade is chosen, the higher the interest rate will be. In other words, the longer the loan term, the different interest will be paid even if it is repaid on the same day.
For example, the current short-term loan interest rate is divided into two grades: half a year and one year. It is stipulated that the half-year grade interest rate shall be implemented within half a year of the loan term, and the one-year grade interest rate shall be implemented after half a year and less than one year. If the loan term of the capital demander is 7 months, although it is only over the half-year time point of 1 month, according to the current loan interest-bearing regulations, only one-year loan interest rate can be implemented, which invisibly increases the loan interest burden of the capital demander.