Traditional Culture Encyclopedia - Traditional culture - How to determine the enterprise loan amount? It is related to these factors!
How to determine the enterprise loan amount? It is related to these factors!
First, the needs of enterprises
The loan amount is not as high as possible, depending on the situation of the enterprise. Moreover, it is impossible for an enterprise to live entirely on loans, at least the proportion of its own funds is above 30%. The amount of loans is related to the past operation and future development of enterprises. Too low can not meet the requirements, too high will cause a relatively large repayment burden. In short, the bank will determine the loan amount according to the actual situation.
Second, the repayment ability of enterprises.
Because the amount of corporate loans is relatively high and the risks are great, banks will focus on reviewing the repayment ability of enterprises. Generally, it is required to settle interest on a monthly basis, monitor the loan situation from time to time, check the purpose of the loan, and avoid the flow of funds to the scope that is not allowed.
Third, the mortgage or guarantee situation
Enterprises need to provide qualified collateral or guarantors to obtain loans, and these assets must have strong liquidity and extremely strict requirements, because this is related to the problem that they cannot repay in the future and need to repay their debts through auction.
Fourth, the strength of banks.
Different banks have differences in index consideration, credit scale, comprehensive contribution and cooperation prospect, and few credit demands can be fully met by one bank. Enterprises can contact different financial institutions and strive for more loan channels.
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