华夏银行“法人按揭贷”解决企业商业用房燃眉之急

Huaxia bank "legal mortgage loans" solve enterprise commercial housing

For some small business has reached a certain scale, the commercial housing has been restricted the development of the enterprise. On the one hand, companies often lack of its own funds to cover the cost of commercial housing; Even if their own capital, on the other hand, would be sufficient, but due to this part of the money is too big, will inevitably reduce enterprise funds available, virtually slow down the pace of enterprise development. In order to solve this problem, huaxia bank launched "legal mortgage loan financing products, effectively solve the enterprise commercial housing.

"Legal mortgage loans" is a kind of new financing product, refers to meet the conditions for a loan for small business, to buy proprietary for production and operation required property, to the house mortgage loans as collateral. In the development of enterprises, often need to purchase commercial housing to expand production, the characteristics of the largest financial services products is the enterprise can let want to purchase commercial housing can be like a personal mortgage installment. Such not only can solve the problem of insufficient enterprise own capital, enterprise can also through mortgage loans to improve existing funds utilization rate, will should have to buy commercial housing funds to production and business links, create greater benefits. Enterprises can not only expand reproduction, purchase real estate, is kill two birds with one stone.

Huaxia bank launched the "legal mortgage loans than other Banks compared to similar products, has the advantage of the following aspects: first, eased lending policies, enterprises need to use loan funds to purchase the property as collateral, it makes a lot of no fixed assets, is worth the pledge assets less small businesses that have the" credit conditions; Second, compared with other bank loan time limit of five years, huaxia bank lending, bold to extend loans to ten years, the loan amount up to 20 million yuan; Again, generality is strong, the product is suitable for factories, office buildings, shops and other property requirements; Finally, the application of legal mortgage loan enterprise shall enjoy exclusive approval process and channel, procedure is simple, the process simplified, the fastest to help enterprises solve the problem of commercial housing.