What loans does China Bank have?

First, inclusive finance offline product introduction:

1. Asset mortgage loan: the enterprise's own assets or third-party assets can be used as collateral, and the scope of accepting collateral includes individual houses, apartments, office buildings, shops, land, etc. At the same time, according to the stability of collateral value, the real economy can mortgage medium-and long-term loans, the credit line of a single household does not exceed100000 yuan, and the current preferential interest rate is 4. 15%.

2. General enterprise-guaranteed loan: For customers with stable operation, good source of first repayment and no asset mortgage, they can find powerful enterprises to provide joint and several liability guarantee or obtain credit from our bank. The credit line for a single household does not exceed 6.5438+million yuan, and the current preferential interest rate is 4. 15%.

3. Guarantee company guarantees loans: Cooperation with guarantee companies can effectively solve the problem of insufficient collateral for enterprises. At present, the professional guarantee companies that the bank has entered include Changzhi Caixin Guarantee Co., Ltd. and Changzhi High-tech Zone Kechuang Financing Guarantee Co., Ltd., etc. In addition, provincial financing re-guarantee, provincial agricultural guarantee, enterprise re-guarantee and Yao Xin guarantee companies can carry out guarantee business or cooperate with these guarantee companies throughout the province. The credit line for a single household does not exceed100000 yuan, and the current preferential interest rate is 4. 15%.

4. Accounts receivable pledge: For the upstream customers of the core enterprise who have stable accounts receivable in the core enterprise, they can apply for small and micro enterprise loans after the core enterprise has confirmed their rights. The credit line for a single household does not exceed 65.438+million yuan, and the preferential interest rate is currently 4. 15%.

5. Bank of China clears Bao Tong (credit): For small and micro enterprises that have no loan settlement in our bank, our bank provides unsecured and unsecured credit loan service with a maximum term of 2 million yuan, with a preferential interest rate of 4. 15%.

Conditions: In principle, the average daily deposit before 12 months is above 500,000 yuan (inclusive).

1. The maximum amount is RMB 2 million;

2. The amount is less than or equal to the average daily deposit ×50% and the average monthly credit settlement × 50%;

Do not meet the access conditions:

1, before 12 months, the average daily deposit was less than 500,000 yuan, exceeding 65,438+10,000 yuan (inclusive);

2. Before 12 months, the accumulated settlement amount of the lender was less than100000 yuan and more than 2 million yuan (inclusive); The maximum credit loan shall not exceed 6,543,800 yuan.

6. Bank of China tax loan service: based on the tax data and tax credit rating of small and micro enterprises, it provides unsecured and unsecured credit loan service to private small and micro enterprises with good tax records, with the maximum being three times of the average total tax payment of enterprises in the last two years, the maximum being 3 million yuan for enterprises with tax credit rating A and 2 million yuan for enterprises with tax credit rating B. At present, the preferential interest rate is 4. 15%.

7. Centralized procurement of Bao Tong: government procurement of bid-winning enterprises, centralized procurement of bid-winning enterprises by Bank of China, according to Shaanxi Government Procurement Network, Letter of Acceptance and Procurement Contract.

2. Introduction of quick loan products operated by China Bank?

The operating loan of China Bank refers to the loan issued by China Bank to meet the needs of borrowers in the process of investment and operation. The business loan products of China Bank include: personal investment and business loans, personal agriculture-related loans, dual-use loans and business versions, personal financial products financing convenience loans and personal business car loans.

III. Specific introduction of personal business loans? The more comprehensive the better.

Business profile

Personal business loans are RMB-guaranteed loans issued by China Industrial and Commercial Bank to customers for their legitimate business activities. ☆ Product features

1. High loan amount: the maximum loan amount can reach100000 yuan;

2. Long loan term: up to 5 years;

3. There are many ways to guarantee: mortgage, pledge and guarantee can all be used;

4. It has the function of revolving loan: one-time application, recycling, repayment with the loan, convenient and quick, and self-service loan issuance can be realized through merchant POS and online banking.

Application condition

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;

3. The borrower has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships or enterprise legal persons;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;

6. It can provide legal, effective and reliable loan guarantee recognized by the lender;

7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by China Industrial and Commercial Bank.

☆ Application materials

1. Original and photocopy of valid identity documents, household registration certificates and marital status certificates of the Borrower and its spouse;

2. The original and photocopy of the annual inspection business license of individual industrial and commercial households, partnerships or enterprise legal persons;

3. Personal income certificates, such as personal tax payment certificates, salary certificates, personal dividend certificates in business units, rental income, deposits in ICBC or other banks in the last six months, national bonds, funds and other general financial assets certificates. ;

4. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the recent operating conditions of the borrower or its business entities;

5. The original and photocopy of the ownership certificate of the mortgaged property. Proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage.

6. If the loan is secured, relevant information of the guarantor shall be provided;

7. Other information required by the bank.

4. Which bank's product is Qin Kuai Loan?

China Construction Bank.

Qin Kuai Loan is a loan product of China Construction Bank.

Loans should flow to banks or financial institutions. For example, the annual interest rate cannot exceed 24%. Please refer to the four major banks, China Construction Bank, and polish the loan interest rate. It is reasonable that the loan interest rate can rise by 1 to 2 points. The loan cost is between 0,000 yuan and the price is several thousand yuan. Let them help you.