1. Bank loan

2. Six points that should be paid attention to in bank loans

3. Tips for individuals to borrow money from banks

4. Skills for SMEs to obtain bank loans

5. Talking about the skills of applying for bank loans

Loan skills

Now more and more post-80s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for loan success, hoping to help more people succeed in loan.

1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.

Directory:

1. Bank loan

2. Six points that should be paid attention to in bank loans

3. Tips for individuals to borrow money from banks

4. Skills for SMEs to obtain bank loans

5. Talking about the skills of applying for bank loans

Six points that should be paid attention to in bank loans

Pay attention to bank loans to buy a house

Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

Matters needing attention in buying a house with bank loan II

Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Pay attention to three bank loans to buy a house.

Don't forget to find the bank around you if you have difficulty repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

Pay attention to bank loans to buy a house

Don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Pay attention to five bank loans to buy a house

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral.

Pay attention to bank loans to buy a house

Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Directory:

1. Bank loan

2. Six points that should be paid attention to in bank loans

3. Tips for individuals to borrow money from banks

4. Skills for SMEs to obtain bank loans

5. Talking about the skills of applying for bank loans

Tips for individuals to borrow money from banks

Many people are often hungry for "capital" at the beginning of their business. In order to raise start-up funds, they simply don't consider the financing cost and their actual capital needs. However, today's market competition makes the operating profit rate lower and lower, and it is difficult to obtain extraordinary profits except illegal operation. Therefore, the majority of entrepreneurs must consider the cost when financing. The following tips for personal venture loan financing are for your reference.

1. Clever choice of bank loans also requires "shopping around"

According to the regulations of the financial supervision department, banks can raise or lower the expected annualized interest rate of loans within a certain range when issuing commercial loans. For example, many local banks expect the annualized interest rate of loans to rise by 30%. In fact, getting a loan from a bank is the same as going to the market to buy things. You have to pick and choose, and shop around to choose good and cheap goods.

For me, the expected annualized interest rate of loans from state-owned commercial banks is lower, but the procedures are stricter. If your loan procedures are complete, in order to save the financing cost, you can compare the expected annualized interest rate of the loan with other extra charges of the bank through personal "bidding" and choose a bank with lower cost to handle mortgage, pledge or guarantee the loan.

2. Reasonable misappropriation of housing loans can also start a business.

If you have the intention to buy a house and have enough money in hand, then you can "misappropriate" the money for starting a business, and then apply for a mortgage loan from the bank when buying a house.

Housing loan has the lowest expected annualized interest rate among commercial loans. For example, the expected annualized interest rate of housing loans within five years is 4.77%, while the expected annualized interest rate of ordinary commercial loans within three to five years is 5.58%. Therefore, it is cheaper to start a business with a mortgage "curve". If the entrepreneur has bought a house, he can also use the existing house as collateral to make ordinary commercial loans. This kind of loan is unlimited and can be used as start-up capital.

3. Carefully and reasonably choose the loan term.

Bank loans are generally divided into short-term loans and medium-and long-term loans. The longer the loan term, the higher the expected annualized interest rate. If entrepreneurs don't spend too long, try to choose short-term loans. For example, if you plan to apply for a two-year loan, you can borrow it once a year, which can save interest expenses.

In addition, venture financing should also pay attention to the trend of expected annualized interest rate. If the trend of annualized interest rate is expected to be high, you should apply for a loan before raising interest rates. If the trend of annualized interest rate is expected to decline, the loan will be suspended when the demand for funds is not urgent, and it will be handled in due course after the interest rate is reduced.

4. Make good use of policies to enjoy low-interest treatment from the government.

Risk loan is a new business of banks in recent years. Anyone who has a certain production and operation ability or has engaged in production and operation activities may apply for a special venture loan from the bank that runs this business because of the need of starting or re-starting. The term of venture loan is generally 1 year, and the longest is no more than 3 years. According to the relevant regulations, the expected annualized interest rate of venture loans may not rise, but may fall by 20% according to the expected annualized interest rate of the same grade stipulated by the bank. In many areas, laid-off workers can also enjoy 60% preferential government commercial loans; In some areas, low-profit businesses such as domestic service, medical care and old-age service are also fully subsidized by the government.

5. Repay the loan in advance to improve the efficiency of capital use.

In the process of starting a business, if the operating funds are idle due to reasons such as efficiency improvement, payment withdrawal, off-season operation and investment reduction. , you can apply to the loan bank to change the loan method and term until the loan is paid off in part or in whole. After the loan is changed or repaid, the bank will charge interest according to the time and amount of the loan, thus reducing the interest burden of the lender and improving the efficiency of the use of funds.

Directory:

1. Bank loan

2. Six points that should be paid attention to in bank loans

3. Tips for individuals to borrow money from banks

4. Skills for SMEs to obtain bank loans

5. Talking about the skills of applying for bank loans

Skills of obtaining bank loans for small and medium-sized enterprises

First, establish a good relationship between banks and enterprises

Establishing a good relationship with banks is the key for SMEs to cooperate well with banks and obtain bank loans smoothly. You can establish a good relationship between enterprises and banks through the following aspects.

1. Enterprises should pay attention to credibility.

First of all, enterprises should pay attention to the daily management of funds. If enterprises want to gain the trust of banks and cultivate a good image, they must do a good job in the daily management of funds.

Secondly, enterprises should always take the initiative to report the company's operation to the bank. This is a psychological public relations skill, from which banks will feel the respect of the company, and from the regular contact and communication with enterprises, strengthen their trust in enterprises, change all kinds of prejudice and distrust of small and medium-sized enterprises, and gradually establish good relations with enterprises.

Finally, the economic benefit of an enterprise is the basis of its reputation, and the economic benefit depends largely on the management level of the enterprise, so improving the management level will also help to improve the reputation of the enterprise.

2. Enterprises should be patient. The success of loans does not depend entirely on banks, but also on the constraints of policies and other institutional departments. Therefore, SMEs must not blame banks for temporary setbacks. When seeking loans, we should be patient, fully understand and understand the difficulties of banks, and avoid being impulsive and hurting the interests of the people, so that the loss outweighs the gain.

3. Actively and enthusiastically cooperate with the bank to carry out various tasks? For example, use loans in strict accordance with the provisions of the loan contract, and actively cooperate with banks to check the use of corporate loans; Actively cooperate with banks to carry out various investigations, and carefully fill in and submit corporate financial statements; When the loan expires, it will voluntarily fulfill the repayment or extension procedures on time, so as to gain the bank's trust in SMEs.

Second, write a feasibility study report on investment projects.

The feasibility study report of investment projects plays a very important role in striving for the scale of project loans and giving priority to obtaining bank loans. Therefore, small and medium-sized enterprises should pay attention to solving the following problems when writing reports:

1. The declared project shall conform to relevant national policies, with emphasis on demonstrating technological advancement, economic rationality and practical feasibility, and highlighting economic benefits.

2. Electricity and product sales. For example, when demonstrating product sales, it is necessary to analyze and demonstrate the social and market demand of products, conduct market research and forecast, including the demand for products at home and abroad, inside and outside the province and in the region, the current social production capacity and future trends;

Three, pay attention to the problems existing in the implementation of the expected annualized interest rate of loans, and timely contact with the local people's bank. Commercial banking law? Article 75 stipulates that "the People's Bank of China shall order it to make corrections if it raises or lowers the expected annualized interest rate in violation of regulations or takes other illegal means to absorb deposits and issue loans". If there is illegal income, the illegal income shall be confiscated and a fine of more than one time and less than three times the illegal income shall be imposed. " Therefore, enterprises should report to the People's Bank of China in time when they find that financial institutions violate the expected annualized interest rate policy when handling loan business. So as to safeguard their legitimate economic interests.

Fourth, choose the right loan opportunity.

The scale of bank credit is issued once at the beginning of the year, and it is arranged to be used quarterly, and it is not allowed to break through without authorization. Therefore, generally speaking, if SMEs want to apply for large loans, it is not appropriate to arrange them at the end of the year and the end of each quarter. On the contrary, they should inform the bank of their capital use plan in advance to prevent the bank from being passive in credit scale and capital arrangement. Enterprises can establish bank-enterprise relations with other banks in addition to maintaining good relations with banks that open in basic account. In this way, when the amount of funds needed for the project is large and a bank cannot solve it for various reasons, it can use syndicated loans to solve it, or it can arrange the funds needed for the next production, operation and development of the enterprise in advance.

Five, strive for the support of SME guarantee institutions

As mentioned above, for the safety of their own credit funds, commercial banks often require enterprises to provide good loan guarantees or mortgages in the choice of loan projects, and the requirements for guarantees are even more demanding. It is very difficult for small and medium-sized enterprises to obtain bank loans because of their small capital and small business scale, and it is difficult to provide mortgages and pledges required by banks, and it is also difficult to obtain credit guarantees from third parties. However, it is much easier to get loans from commercial banks if we can get the support of specialized institutions such as SME guarantee institutions.

Sixth, pay attention to the choice of financial institutions.

China's loan expected annualized interest rate policy stipulates that different financial institutions issue loans with different expected annualized interest rates. Small business liquidity loans, commercial banks and urban credit cooperatives up to 20%, rural credit cooperatives up to 50%. Therefore, enterprises should give priority to commercial banks and urban credit cooperatives when choosing financial institutions for loans.

Seven, pay attention to the choice of loan types.

Different types of loans have different expected annualized interest rates.

The expected annualized interest rate of some types of loans is not allowed to rise. The state provides individual housing loans with preferential expected annualized interest rate loans (? There are mainly seller's credit loans in The Export-Import Bank of China, welfare factory loans from civil affairs departments, economic development loans from old and young border poor areas, industrial loans from poor counties, loans for ethnic trade and production of ethnic products, and discount loans for poverty alleviation. ), policy bank loans, and? The expected annualized interest rate of fixed assets loans (except rural credit cooperatives) and loans as otherwise stipulated in the State Council will not rise. The expected annualized interest rate of discounted bills loans may rise appropriately, but it shall not exceed the expected annualized interest rate of loans of the same grade in the same period (including floating).

The expected annualized interest rate of medium and long-term loans is fixed for one year. When signing a loan contract with a term of more than one year, the expected annualized interest rate of the loan shall be determined once a year according to the term grade stipulated by the state, and the expected annualized interest rate determined in the contract shall be implemented for one year. After maturity, financial institutions should re-sign the expected annualized interest rate of loans for the next year with enterprises according to the expected annualized interest rate of loans stipulated at that time. Enterprises should choose appropriate loan varieties and reduce interest expenses according to the actual needs and the relevant provisions of the expected annualized interest rate.

Eight, pay attention to reasonably determine the loan period.

Different loan terms have different grades of expected annualized interest rates. China people's bank from 1997? 10 year? From March 23, all new loans issued by financial institutions will be subject to the expected annualized interest rate of loans with the same amount of funds in the same period. If the loan cannot be repaid on time, it shall apply to the financial institution for extension in advance, and whether the extension is decided by the financial institution. From the date of extension, the loan term is calculated cumulatively, and the interest is calculated according to the expected annualized interest rate of the listed loan on that day. The enterprise has a loan with a term of one year. If it cannot be returned at maturity, the bank agrees to extend it for one year. During the extension period, the loan shall be executed at the expected annualized interest rate of the two-year grade listed on the extension date, and the enterprise shall pay more interest. If the enterprise repays the loan in advance, according to the provisions of the Contract Law, the General Principles of Loans or the special agreement in the loan contract, it is a breach of contract for the enterprise to repay the loan in advance, and some financial institutions will charge liquidated damages and increase the loan cost.

Nine, pay attention to the provisions of the loan plus penalty interest.

1998 to 65438+February 7, the expected annualized interest rate of overdue loans and default interest of overdue loans is calculated at the daily expected annualized interest rate of 3, and the default interest of overdue loans of rural credit cooperatives is calculated at the daily expected annualized interest rate of 4.

The penalty interest for misappropriation of loans is calculated at the expected annualized interest rate of 6 per day from May 1 996/day, and the rural credit cooperatives charge interest from May 1998? 12 years? From July 7th, interest will be charged at the expected annualized daily interest rate of 6. The expected annualized interest rate of penalty interest shall be calculated by stages from the adjustment date of the expected annualized interest rate.

Ten, pay attention to the provisions of financial institutions loan interest settlement.

According to the state regulations, financial institutions shall uniformly settle loan interest on a quarterly basis, and the 20th day at the end of each quarter shall be the settlement date. If the interest cannot be paid on the settlement date, the interest owed will be incorporated into the principal and compound interest will be calculated.

Directory:

1. Bank loan

2. Six points that should be paid attention to in bank loans

3. Tips for individuals to borrow money from banks

4. Skills for SMEs to obtain bank loans

5. Talking about the skills of applying for bank loans

On the Skills of Applying for Bank Loan

After obtaining loan information, small and medium-sized enterprises are expected to obtain more loans from banks more easily and quickly if they have a certain understanding of the bank's business processes. The banking industry is also constantly innovating in the process of exploring the credit market of small and medium-sized enterprises. By speeding up the transformation of the middle and back office, simplifying the loan procedures, shortening the approval process, and creating a more convenient business process. Enterprises mainly learn to choose actively and choose more convenient banks, so the chances of successful loans are higher.

1. The loan amount proposed by SMEs should be reasonable and credible. The banking industry usually determines the loan security of enterprises according to certain financial indicators, such as the sales volume, net assets and existing financing amount of enterprises. With the further communication between banks and enterprises and the supplement of financial and non-financial information, banks will constantly modify the loan amount, and the final loan will be subject to the audit notice. Enterprises can estimate an approximate loan amount according to the requirements of the target loan bank, historical sales data and profit data, and apply for loans on this basis, which will help win the favor of bank account managers and help obtain credit. Real estate, movable property and good reputation owned by enterprises are also important reference factors for banks to determine the loan amount, and enterprises should inform relevant information in time.

2, small and medium-sized enterprises should carefully control the contents of the loan procedures list to prepare various materials, reduce unnecessary trouble and speed up the loan process. Banks usually ask small and medium-sized enterprises to provide all kinds of information to help them judge whether to give loans to enterprises. The loan list usually includes: loan application report, company profile, enterprise business license/capital verification report, articles of association, copy of legal representative's ID card, resolutions of the board of directors, loan card, financial statements of the last two years, and introduction of the company's shareholders. If real estate mortgage is required, property title certificate and property value evaluation report shall be provided. Enterprises can go to various business outlets to obtain loan lists and prepare various materials in advance according to the terms listed in the list. The requirements of various banks are similar, but some banks have made great efforts in the field of financial services for small and medium-sized enterprises and continuously simplified the information requirements.

3. Small and medium-sized enterprises should actively cooperate with the bank's pre-lending investigation and post-lending management, provide timely information, resolve the bank's concerns about business operations, and reduce their own business risks. In order to strictly control the loan risk, the banking industry usually designs more detailed loan processes. Through the bank account manager, risk manager, audit manager and strict monitoring in the background, banks can usually judge the actual operation of enterprises more accurately. If the enterprise provides false financial statements and other information, it is easier to be seen through. During the existence of the credit relationship, banks will monitor the bank funds of enterprises from time to time, pay attention to the business conditions reflected in them, and judge the risk points and the safety of enterprise funds. If the relationship between banks and enterprises is harmonious, banks can notify them as soon as possible, and enterprises can take precautions earlier.

4, enterprises should take the initiative to pay attention to the bank's business focus, seize the loan opportunity. If a bank confirms that a service is the focus of its business, it will increase the allocation of internal resources in terms of human resources, education and training, and fund allocation. At the same time, more people will be arranged to provide services in the marketing front line, more loans will be put in, and more convenient services will be provided by reforming internal processes, thus shortening the approval time. For example, Minsheng Bank has established the policy of "being a private enterprise bank, a small and medium-sized enterprise bank and a high-end customer bank", and increased its development and support for private enterprises and small and medium-sized enterprises. 20 10000 will provide 10000 billion loans for 10000 small and medium-sized enterprises to fulfill the promise of "caring for the public and serving people's livelihood". Through intensive cultivation in the field of financial services for small and medium-sized enterprises, people's livelihood has proposed batch opening.