What kind of loan can you apply for to do business in Zhengzhou?
It is recommended to apply for the bank's business loans, which can provide credit funding support for the normal and reasonable financial needs of customers arising from their production and business activities. However, business loans are divided into several types, there are mortgages, credit loans and so on, different types of loan requirements are different, here is a brief introduction to a few. 1, mortgage loan is a loan issued with the property of the borrower or a third party as collateral, such as plant, equipment, patents and so on. It is mainly based on the borrower's production and operation cycle, repayment ability, project evaluation and the lender's financial strength, etc. Comprehensive assessment to grant credit, as well as to decide on the loan period, you need to provide documents proving the ownership of the collateral, the list of collaterals and have the disposal right to agree to the mortgage proof, as well as other information required by the bank. 2, fixed asset loans also called project loans, is mainly to solve the enterprise in the fixed asset project construction, acquisition, renovation and its corresponding supporting facilities in the process of construction of capital turnover and other issues, with a long loan period, the amount of advantages, to meet the borrower's investment capital needs. 3, credit loans refers to loans issued by banks on the credit of the borrower, without collateral guarantee, this type of loan on the enterprise credit rating requirements, at least need to be in the AA level, or AAA level, and to be established for more than 2~3 years, the good faith taxpaying enterprises to apply.