Yan' an loan company Xiangyang Gou

What are the requirements for handling personal loans in Yan 'an?

As long as you have something to mortgage, and the bank evaluation exceeds 10W, you can get a loan. No matter who you are, you must have a mortgage and evaluation. . . .

What is the interest rate of Yan 'an provident fund loan?

The interest rate of housing provident fund loans is issued by the People's Bank of China and uniformly implemented throughout the country. At present, the annual interest rate of provident fund loans within five years (including five years) is 2.75%, and the annual interest rate of loans over five years is 3.25%. If it is a second-home provident fund loan, the interest rate will rise 10% on this basis.

What types of loans does Xi Bank Yan 'an Branch have?

The loan types of Xi Bank Yan 'an Branch are as follows, please refer to:

The types of bank loans refer to the forms of loans. According to the provisions of the General Principles of Loans, there are four forms of loans issued by commercial banks in China at present: entrusted loans, credit loans, mortgage loans and discounted bills. At the same time, commercial banks actively carry out market-oriented financial innovation and launch a variety of loans to meet the needs of small and medium-sized enterprises.

1) entrusted loan

Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, amount, term and interest rate determined by clients. The lender (trustee) only charges the handling fee and does not bear the loan risk.

The basic procedures for handling personal entrusted loans are:

First, the customer applies for a loan from the bank.

Second, banks choose and match according to the conditions and requirements of both parties, and recommend them to customers and borrowers respectively.

Third, the client meets the borrower directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term and repayment method.

Fourth, after the lenders and borrowers negotiate the requirements, they go to the bank together and sign the entrustment agreement with the bank respectively.

Fifth, the bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower signs a loan contract with the borrower, which is issued after the bank approves it.

2) Credit loan

Credit loan refers to the loan issued by the borrower's credit. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.

From the current reality, the basic conditions for banks to issue credit loans are:

First, if the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;

Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees;

Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.

3) secured loan

Secured loan refers to secured loan, mortgage loan,.

I. Guaranteed loan refers to the Guarantee Law of People's Republic of China (PRC).

The guarantee method is a loan issued by a third party who promises to assume general guarantee liability or agreed joint and several liability when the borrower cannot repay the loan.

Legal persons, other organizations or citizens who have the ability to pay off debts on their behalf as stipulated in the Guarantee Law of People's Republic of China (PRC) may serve as guarantors. The guarantor and the creditor agreed that when the debtor fails to perform the debt, the guarantor shall perform or assume the debt as agreed. Where the same debt is guaranteed by more than two guarantors, the guarantors shall bear the guarantee liability according to the guarantee share agreed in the guarantee contract.

According to the law, the guarantor and the loan bank shall conclude a guarantee contract in writing. The guarantor and the lending bank may conclude a separate guarantee contract for a single main contract, or they may agree to conclude a guarantee contract for a loan contract or a commodity trading contract that occurs continuously within a certain period of time within the maximum amount of creditor's rights. The guarantee contract includes the following contents:

The type and amount of secured principal creditor's rights; The time limit for the debtor to perform the debt; Guarantee method; Scope of guarantee; Guarantee period; Other matters that both parties think need to be agreed. In the actual implementation, if it is found that the guarantee contract does not fully conform to the provisions, it can be corrected.

Secondly, 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). The Guarantee Law of People's Republic of China (PRC) stipulates that the following properties can be mortgaged: houses owned by the mortgagor and other things fixed on the ground; Machines, means of transport and other property owned by the mortgagor; State-owned land use rights, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law; State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law; The land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer; Other property that can be mortgaged according to law. Under normal circumstances, the maximum loan ratio that a bank can give does not exceed 60% ~ 70% of the collateral. The law requires the mortgagor and the loan bank to conclude a mortgage contract in writing.

The mortgage contract shall include the following contents:

The type and amount of secured principal creditor's rights; The time limit for the debtor to perform the debt; Name, quantity, quality, condition, location, ownership or right to use the mortgaged property; Scope of mortgage guarantee; Other matters that the parties think need to be agreed upon;

If the mortgage contract is found to be incomplete in actual implementation, it can be corrected.

Third, it 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). Chattel pledge means that the debtor or the third party transfers his chattel to the creditor for possession, and takes it as the guarantee of creditor's rights. When the debtor fails to perform the debt, the creditor has the right to discount the debt or give priority to compensation with the price of auction or sale of the movable property in accordance with the provisions of this law.

Pledge of rights refers to bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts and bills of lading; Shares and stocks that can be transferred according to law; Property rights in trademark exclusive rights, patent rights and copyrights that can be transferred according to law; Other rights that can be pledged according to law.

Compared with mortgage, the biggest feature of pledge is that the pledge must be handed over to the bank for possession.

The Guarantee Law of People's Republic of China (PRC) stipulates that the following rights can be pledged: bills of exchange, checks, promissory notes, bonds, certificates of deposit, warehouse receipts and bills of lading; Shares and stocks that can be transferred according to law; Property rights in trademark exclusive rights, patent rights and copyrights that can be transferred according to law; Other rights that can be pledged according to law. Where a bill of exchange, cheque, promissory note, bond, deposit slip, warehouse receipt or bill of lading is pledged, the title certificate shall be delivered to the pledgee within the time limit stipulated in the contract. The pledge contract shall take effect from the date of delivery of the certificate of rights.

According to the law, the pledgor and the lending bank shall conclude a pledge contract in writing. The pledge contract shall take effect when the pledged property is handed over to the pledgee for possession. A pledge contract shall include the following contents:

The type and amount of secured principal creditor's rights; The time limit for the debtor to perform the debt; The name, quantity, quality and condition of the pledge; Scope of pledge guarantee; Time for handing over the pledge; Other matters that the parties think need to be agreed. If the pledge contract is found to be incomplete in actual implementation, it can be corrected.

4) Bill discount

Bill discount means that the borrower transfers the unexpired commercial bill (bank acceptance bill or commercial acceptance bill) to the bank and obtains the funds after deducting the discount interest. As the saying goes, some people do business with broken ends, but no one does business with losses. Of course, discounted bills should be profitable. When banks accept bills from enterprises, they make a discount on the basis of the original price, which is called discount. Commercial banks transfer bills to their peers, which is called rediscount. If there are too many bills in the receiving bank, which affects the profit of lending, it is called rediscount and transfers the bills to the central bank. This kind of loan means that the borrower is short of money and in urgent need of funds, and applies for a loan from the bank with the unexpired bills obtained from commodity trading in order to obtain the urgently needed production and operation funds. In this way, the bank will deduct interest when discounting the loan, instead of fully discounting it at face value. It is precisely because of the discount, rediscount and rediscount spreads that merchants gather in the bill market, and large and small enterprises come and go, which is very lively. One advantage of this financing method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). It usually takes tens of days to half a year for an enterprise to receive an account, during which the funds are idle. If enterprises can make full use of bill discount financing, it is much simpler than applying for loans, and the financing cost is very low.

5) Comprehensive credit granting

In other words, banks grant certain credit lines to some enterprises 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. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.

6) Credit guarantee loan

At present, more than 65,438+000 cities in 3/kloc-0 provinces and cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. At present, there are 955 guarantee companies in China. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems.

7) Buyer's loan

If an enterprise has a reliable market for its products, but its own capital is insufficient and its financial management foundation is poor, and it is difficult to provide collateral or seek third-party guarantee, the bank can provide loan support to the buyers of its products according to the sales contract. The seller can collect a certain proportion of advance payment from the buyer to solve the financial difficulties in the production process. Or the buyer issues a bank acceptance bill, and the seller takes the bill to the bank for discount.

8) Joint cooperative loans in different places

Some small and medium-sized enterprises sell a wide range of products, or provide supporting parts for some large enterprises, or are loose subsidiaries of enterprise groups. In the process of producing cooperative products, it is necessary to supplement production funds. You can find a lead bank to provide loans to the group company in a unified way, and then the group company will provide the necessary funds to the cooperative enterprise, and the local bank will cooperate with the contract supervision. It can also be jointly provided by the lead bank and the cooperative enterprise's banks in different places to provide loans respectively.

9) Project Development Loan

Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.

10) export loans

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. Enterprises with foreign exchange income sources can obtain RMB loans with proof of foreign exchange settlement. Enterprises with good export prospects can also borrow a certain amount of technical transformation loans.

1 1) natural person guaranteed loan

In August, 2002, China Industrial and Commercial Bank took the lead in launching the secured loan business for natural persons. In the future, when domestic institutions of China Industrial and Commercial Bank handle the credit business of small and medium-sized enterprises with a term of less than 3 years, natural persons can provide property guarantee and bear the liability for compensation. Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.

12) Personal entrusted loan

Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new type of financing business-personal entrusted loans. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client.

13) loan secured by intangible assets

According to the relevant provisions of the Guarantee Law of People's Republic of China (PRC), intangible assets such as trademark exclusive right, patent right and property right in copyright that can be transferred according to law can be used as loan pledge. That is, loans obtained by taking intangible assets such as trademark rights, patents and copyrights that can be transferred according to law as collateral.

The discount process and application conditions of Yan 'an youth entrepreneurship loan

The netizen asked:

How to handle the discount loan for Yan 'an youth entrepreneurship? What are the requirements for applying for a discount loan for youth entrepreneurship?

Good loan network answer:

Yan 'an youth entrepreneurship loan discount support object should meet the following conditions:

1, poor young people under the age of 45 (inclusive), in good health and with full capacity for civil conduct;

2. It must be a poor household registered by the poverty alleviation department;

3. Loans must be used to develop agriculture, service industry, transportation industry or start small businesses.

Yan 'an Youth Entrepreneurship Discount Loan Process:

Poor young people in rural areas who are willing to start a business apply to and declare to the township youth league committee through their village league branches. The township Communist Youth League Committee conducts investigation and statistics, and reports it to the Communist Youth League Committee after being checked by the township party committee and government. The League County (District) Committee and the local banking financial institution * * * investigate and verify the applicant, and the local banking financial institution will finally approve and issue the loan.

The county (District) committee and the local bank financial institutions * * * issued loan related information, submitted to the old county (District) Poverty Alleviation and Development Bureau for examination and confirmation. According to the relevant agreement, the young people who have obtained the loan will be given a discount by the poverty alleviation and development bureau of the old county (district) after repaying the principal and interest on schedule.

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