Loans (financing) guarantee
Loan guarantee is guarantee agencies for lenders (institutions) and the borrower (mainly industry and commerce enterprises and natural person) provide third party guarantee. Guarantee agencies in the borrower that did not press loan contract prescribed time servicing, responsible for pay the borrower cope without paying the principal and interest of the. Loan guarantee contract in the borrower receiving the loan of the become effective, the borrower or the guarantor to repay the principal and interest failure. Loan guarantee is guarantee agencies for lenders (institutions) and the borrower (mainly industry and commerce enterprises and natural person) provide third party guarantee. Guarantee agencies in the borrower that did not press loan contract prescribed time servicing, responsible for pay the borrower cope without paying the principal and interest of the. Loan guarantee contract in the borrower receiving the loan of the become effective, the borrower or the guarantor to repay the principal and interest failure. Loan guarantee is the main business of credit guarantee agencies, the goal is to alleviate the enterprise financing difficulties, scattered bank lending, enterprises financing possible risk, rise to ensure that credit loans safety and promote enterprise development role. The main form of loan guarantees: 1, the floating capital loan guarantees. Working capital loans is to solve the enterprise in the production and business operation process flow and extending loan insufficient funds. The loan is characteristic of the loan time limit short (within one year), working capital is stronger, the financing cost is low, the customer is the most frequent use of loans. For working capital loans guarantee called the liquidity loan guarantees. 2, fixed assets loan guarantees. Enterprise purchase machine equipment, technology innovation, building a house purchase, real estate development, investment in capital construction need money, applies to the bank for loans offered guarantee. 3, bank bills discounting guarantee: is the enterprise (holder) in commercial draft did not expire before, in order to get funds, TieFu certain interest will bill right transfer to the bank provide the guarantee. Main have bank acceptance of draft discount guarantee, business acceptance of draft discount guarantee, etc. 4, personal consumption loan guarantees: is a stable career and economic income, credit is good, have to repay the loan principal and interest ability, natural person having a complete civil used to buy consumer products or used for education, tourism and other personal consumption loan to the bank for the proposed offer assure. Main have personal housing mortgages loan guarantees, auto loan guarantees, a personal housing decorate loan guarantee, big durable consumer goods loan guarantee, personal expenditure spent loan guarantees. 5, personal business loan guarantees: is individual and industrial and commercial door or a sole proprietorship enterprise in the production, management turnover needs to bank loans for provided as security when.
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