What are the ways of corporate loans in Chaozhou, Guangdong?
1. Handling corporate loans through bank channels: Be sure to find a bank with outlets in Chaozhou. After all, every bank has a fixed jurisdiction and cannot handle business across branches. Finding a bank loan has many advantages, such as the discount from the central bank, the opportunity to apply for an interest-free loan, low loan interest, which can save costs, and there are many types of loans, which can only be provided by banks that can think of. However, when banks apply for corporate loans, they have higher requirements for corporate qualifications. If they can't meet the loan conditions, they are easily rejected.
2. Handling corporate loans through financial companies: Many local financial companies in Chaozhou can also provide corporate loan services, so you must find a formal company to find out whether you have a business license and whether you are qualified to lend before lending. The advantage of lending through finance companies is that the threshold is relatively low and lending is relatively fast. The disadvantage is that the interest is higher than that of bank loans and the term is shorter.
How to apply for a successful corporate loan in Chaozhou, Guangdong?
1, meet the loan conditions, such as the enterprise has been established for not less than 2 years and must have good credit, including not only the credit of the business owner, but also the credit of the business operation. You must pay taxes in good faith and not evade taxes. Financial statements must not be falsified, and providing false information will be suspected of fraudulent loans.
2. Whether applying for credit loans or mortgage loans, it is best to provide sufficient and effective collateral as a guarantee to prove that the enterprise has sufficient repayment ability, which is conducive to loan approval.