Xinlian tax SMS reminder

"Tax invoice loan" is a pure credit unsecured enterprise loan that the bank applies for online credit according to the VAT invoice provided by the tax bureau and the big data analysis of the enterprise's payment of VAT when it is directly connected with the tax bureau.

Since 20 15, in order to alleviate the financing difficulties and expensive problems of small and medium-sized enterprises, the taxation, banking and insurance supervision departments and banking financial institutions have jointly launched a "banking interaction" platform, which allows banks to directly connect with the tax bureau, read information such as enterprise billing, tax payment, financial report, tax payment credit rating, etc., and through the algorithm of big data model, enterprises can apply online, immediately grant credit, and spend online without mortgage guarantee.

Compared with other offline loans of banks, the tax bill loan business has all been systematized online, and whether it is application, credit evaluation or loan disbursement, it can be easily realized on the mobile app. Compared with the application cycle of more than one month for offline loans, many products with tax bill loans can be lent on the day of application. Even if some banks still need offline account opening approval, it will generally not exceed one week, which is also the most advantageous place for tax bill loans.

Tax bill loans are often divided into two products, namely tax bill loans and bill loans. Although these two products are based on the interactive data of banks and taxes, they are quite different in credit lines, banking policies and interest rates.

Tax loan is the most mainstream tax ticket loan product at present, which is basically supported by major state-owned banks and commercial banks. Because it mainly evaluates the actual tax payment of enterprises, it can know the actual operation and credit status of enterprises to the greatest extent. The tax loan amount is relatively high, with a maximum credit line of 3 million; If the interest rate is low, you can borrow it and pay it back. If the enterprise pays more taxes, it is one of the best loan products to choose from when the amount of funds needed is not large.

Brief introduction of tax loan

1. Credit line range: 50,000-3 million.

2. Monthly interest: 3-4.5%

3. Duration: 1 -2 years

4. Repayment method: interest first, principal later, and repayment with borrowing.

5. Application method: online application and online processing.

6. Application time: Most of them are completed on the same day and need to be completed within one week after opening the offline account.

7. Credit calculation: 3- 10 Tax payment times in one year-existing credit liabilities of the enterprise.

8. Credit enhancement method: billing amount and billing frequency.

Application conditions

1. Qualification requirements: small and micro enterprises and self-employed individuals with normal billing and tax payment.

2. Revenue requirements: the annual tax payment is more than 5,000 yuan, and invoices have been issued continuously in the past year.

3. Rejected request: None.

4. Profit requirement: None.

5. Liabilities: The corporate debt ratio shall not exceed 70%, and the credit liabilities shall not exceed 5 million.

6. Credit requirements: there are no untrustworthy executors, no large lawsuits, no serious overdue loans from other banks, and no serious negative industry information.

Application material

1 corporate phone; 2. The national tax account number of the legal person &; Password; 3. Legal person ID card;

4. Bank card under the legal person's name;

5. The applicant's real name and face brushing certification.

Invoice loan is a supplement to tax loan. Many enterprises actually don't pay taxes, but they have a large number of invoices, so they can use invoice loan products to make loans. Invoice loans are also handled online like tax loans. The difference is that institutions generally don't do banking business. What they need to collect is invoice data, because invoice data can be modified and adjusted after declaration. Therefore, the loan according to the invoice amount is more risky than the fixed loan through tax, so the amount is much smaller than the tax loan, and the general interest will be much more expensive.

Brief introduction of invoice loan

1, line range: 20,000-1 10,000.

2. Monthly interest rate: 8% ~ 1.5%

3. Duration: 1 year.

4. Repayment method: interest first, principal later, and repayment with borrowing.

5. Application method: online application and online processing.

6. Application period: The loan will be completed within three days.

7. Credit calculation: 65438+ 00% of the invoiced amount within one year-existing credit liabilities of the enterprise.

8. Credit enhancement method: VAT amount.

Application conditions

1. Qualification requirements: small and micro enterprises with normal invoicing.

2. Revenue requirements: the annual billing amount is above 6,543,800+0,000, and the billing has been continuous in the past year.

3. Rejected request: None.

4. Profit requirement: None.

5. Debt requirements: regardless of the corporate debt ratio, the credit debt does not exceed 5 million.

6. Credit requirements: there is no dishonesty, and no other bank loans are seriously overdue.

Application material

1 corporate phone; 2. The national tax account number of the legal person &; Password; 3. Legal person ID card and bank card under its name;

4 Some banks or institutions need to equip their products with tax control panels;

5. The applicant's real name and face brushing certification.

Comparison of mainstream tax and loan products

Other tax loan products

In addition to the mainstream tax loan products listed in the above table, there are also the following common tax loan products: ICBC-tax loan, Bank of Communications-tax finance, Postal Savings Bank-Xiaoyi loan, Bohai Bank-Bo tax loan, Bohai Bank-Boye loan, Xiamen International Bank-tax loan, Jiujiang Bank-tax loan, Ping An Bank-new micro-goods, Ping An Bank-digital goods, bank of tianjin-silver tax e. Chongqing Bank-Good Enterprise Tax Credit, Jiangsu Bank-Tax Electronic Finance, Shang Hui Bank-Credit E Loan, Fumin Bank-Rich Tax Loan, bank of dalian-Tax Flash Loan, 360- Tax Easy Loan, Huaxing Bank-Xing E Loan (Tax Prosperity Loan), Hunan Sanxiang Bank-Tax One Loan, Liaoning Zhenxing Bank-Tax E Loan, Minsheng Bank-Net Music Loan, Nanjing Bank.

Comparison of mainstream ticket and loan products

Other ticket loan products

In addition to the mainstream ticket loan products listed in the above table, there are also the following common ticket loan products: Hanhua-Invoice Loan, New World-Invoice Loan, Fudengxiao-Fu Deng Loan, Huidaozhang, Lacarra Invoice Loan, Zhaolian Invoice Loan, CreditEase Invoice Loan, Dashu Receivable, Xinwanghao Loan, Shanghai Pudong Development Bank Tax Loan, Weizhong Invoice Loan, Tianjin Seagull Loan, Suning Xinyirong and Suning Rong Hao. Intelligent invoice loan, state-owned bank enterprise loan, Jingdong financial enterprise main loan, Sanxiang working capital, Fu Deng invoice loan, Jiwo loan, Suning.cn financing, import and export trade loan, etc.

Precautions for operation

1 The interest of tax loan products is lower than that of ticket loan products, so it is recommended to give priority to tax loan products;

2 tax loan products Most banks need to open accounts offline, and it will be smoother for banks to choose customers or choose banks that they care about;

3 Although all the products of tax stamp loans are applied online, many products still need the agent secondary code to apply for operation, and some products still need to be whitelisted in banks or institutions to make quotas;

4. Ticket loan products basically need to collect invoices in advance and need professional guidance;

Most low-interest products have requirements for existing loans and guarantees, so we must pay attention to the application order;

Most products have requirements for the number of credit inquiries, so don't try it easily without fully understanding the products, and the cost of spending credit information will be higher.