Senior managers should have more than three years' experience in leasing industry, good business performance in the last two years, no violation of rules and regulations, and relevant industry background in financial leasing products.
The total assets of foreign investors shall not be less than $5 million. A foreign-invested financial leasing company shall meet the following conditions: (1) The registered capital shall not be less than100000 USD. (2) The operating period of a foreign-invested financial leasing company in the form of a limited liability company is generally not more than 30 years.
Bank credit includes loans, trade financing, bill financing, financial leasing, overdraft, advances and other on-balance-sheet businesses. Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium-and long-term credit refers to credit for more than one year.
Different credit lines should be determined according to the management level, asset-liability ratio and loan repayment ability of different customers.
Credit extension includes on-balance-sheet business such as loan, bill financing, financial leasing, trade financing, overdraft and various advances, as well as off-balance-sheet business such as bill acceptance, letter of credit, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, asset sale with recourse and unused irrevocable loan commitment.
Credit refers to the funds provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment responsibilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdrafts and various advances. Credit is divided into short-term credit and medium-and long-term credit according to the term.
Financing lease and loan
Bank loan with different concepts refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Compared with direct loans, financial leasing with different charges mainly charges more service fees and nominal goods prices. The service fee is the rental amount multiplied by the service rate, and the nominal price is the rental amount multiplied by the nominal price rate.
What is a financial lease loan? Financial leasing loan refers to that some financial leasing companies can't set foot in certain industries, so they join a bank in the transaction structure, and the financial leasing company gives the money to the bank, and the bank lends it to customers in the form of loans for one or more times, and the customers repay the rent to the financial leasing company.
Can I apply for a mortgage loan with machinery and equipment?
1. Factory equipment can be mortgaged. Most users may think that only real estate is the collateral recognized by the bank. In fact, factory equipment, patents, trademarks, raw materials, products, etc. Can be used as collateral.
2. Now banks can basically make equipment mortgage loans. However, the procedures are complicated and have to go through the industrial and commercial bureau. If the equipment is imported, it must be audited by the customs ~ and the loan amount is 4-5 fold on the basis of the original price of the equipment. In the case of general loans, equipment mortgage is the last choice.
3. Generally, mechanical equipment is used as collateral, and the maximum loan amount of about 70% of the collateral can be obtained. Because the liquidity of machinery and equipment is worse than that of real estate, and because of this, not all financial institutions issue such loans.
4. The mounter can be mortgaged to the bank. According to relevant public information, machinery and equipment can be used to handle mortgage loans at present. Due to certain restrictions on the use of machinery and equipment, banks usually discount the value of machinery and equipment before mortgage loans.
5. If the sewing machine can be mortgaged, the standard sewing machine factory in Yanta District of Xi City belongs to the mortgage loan condition of the residential property of the hospital. The reference average price of this residential property is 1 1897 yuan per square meter, and the loanable real estate assessment value is 80%.
It is understood that machinery and equipment can apply for mortgage loans. However, the use of machinery and equipment for mortgage loans still depends on whether local banks can apply. It also depends on the value of machinery and equipment. The higher the value of machinery and equipment, the easier it is to apply for a mortgage loan.
This concludes the introduction of loan conditions for equipment leasing and interest types for equipment financing leasing loans. I wonder if you have found the information you need?