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Bank professionals tell: Loans in the 6 and 10 do not borrow the principle

Time: 2016-12-22         Source: Bank Information Port         Author: Bank Harbor

What are taboo bank loans? Professionals come to terms, 6 of the bank loans by 10 not by principle. Especially in the face of corporate capital needs, the bank's risk control will become more stringent, in the end what kind of business will get the favor of banks? First of all, companies must meet six major conditions.

  1. Credit is guaranteed.Whether it is the bank's credit history or the voice of the business owners feedback, only come to the conclusion of business credibility, in order to let the bank put one hundred and twenty heart, to cooperate.

  2. Have the ability to absorb gold.Banks lend money to the company, bear the brunt of the impending disaster will be removed from the business, leaving the energy and money used to "invest" potential businesses, so before the loan audit, special attention to the company's business growth curve , I hope as long as the bank's funds are in place, businesses can be a skyrush and profitable, to achieve a win-win situation for banks and businesses to get rich together.

  3, the strength of assets.Do charity, poor people most likely to get help, do loans business, the assets of the most likely to get people heart. Use the price of the city to do the mortgage object, a thousand words than the business owners, rhetoric, but also to the bank to eat more money to recover the reassurance. However, this article is not a rigid requirement. If an enterprise's profitability is acceptable, many unsecured loan markets of banks may also open their doors to it.

  4. Asset-liability ratio of science.The bank will put a safety lock on the fund through consideration of the ratio of assets to liabilities. If the company's debt ratio is close to 75%, it must provide quick and easy collateral.

 5. Loans use is reasonable.The use of corporate loans is limited to the normal business needs of business owners in the investment process, including the purchase of equipment, purchase purchase, pay rent, office decoration and so on. Therefore, if the use of funds is not within a reasonable range of banks, banks can only be cool, choose not to take it.

  6. The repayment sources are reliable.All possible sources of repayment may be the trigger for non-performing loans. In order to try to isolate all the unpredictable potential risks, only enterprises with stable sales revenue, high-quality accounts receivable, and excellent product quality can get the bank to have a smooth recovery of funds. For this single business Intend to take over the will.

Even in the face of the same type of small and medium-sized enterprises, banks can transform the wind, borrow and without the model can be found through the details of the clues and instantly switch, then take a look at those who will open the bank without mode 10 details.

1. application materials fraud do not borrow;

2. Poor profitability is not boring;

3. Investment projects do not approve not borrow;

4. borrow money to stocks, buy funds, futures or real estate investment do not borrow;

5. There have been malicious overdue repayment of the plot do not borrow;

6. People with complex social backgrounds do not borrow;

7. There is no criminal record;

8. old account is not clear, new account does not borrow;

9. By bank money, going to borrow for "usury";

10. People with serious bad habits do not borrow (playing cards, gambling, drug abuse).

Urgent money? We evaluated hundreds of small loan products! Concerned about the WeChat public number "money" (ID: chuqianyi360), reply "urgent money", no longer afraid to borrow money.

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