How much is the interest on the cigarette certificate loan?

1. The so-called tobacco (commercial) loan is a commercial credit loan. The products cooperate with investors such as banks, and take customers such as tobacco hotels, department stores and convenience stores with an annual tobacco payment of more than 200,000 yuan as the main loan targets. A single loan can reach up to 500,000 yuan, and borrowers with good credit can obtain loans directly with personal credit, without mortgage, guarantee and other guarantee procedures.

2. General financial institutions require borrowers to issue tobacco certificates and business licenses. The number of cigarette stalls is more than 5, the age of individual industrial and commercial households is 18-60, and there is no overdue record in credit investigation. The so-called "number of cigarette stalls" means that China Tobacco Corporation conducts rating according to the monthly cigarette ordering data of merchants, with a small rating of 1 month and a big rating in March, with a maximum of 30 stalls. The higher the grade, the priority is given to the best-selling cigarettes. According to the grade difference, each cigarette has a limit. According to a document obtained by Consumer, the annualized interest rates of tobacco loans provided by Agricultural Bank and Industrial and Commercial Bank of China are the lowest, both less than 5%, but their access mechanisms are also the strictest.

The forms of loans are really endless. Many people know about mortgage and car loan, but I believe you still don't know about tobacco loan. You may not have understood them before, but after my explanation just now, I believe you have understood them. In other words, if you plan to sell cigarettes, you can also initiate a loan from the bank, but the loan is different. We use our tobacco supermarket or our own business license to borrow money. The purpose of this is to let our individual industrial and commercial households or some supermarkets get some liquidity, which will help us to withdraw funds. You know, an ordinary supermarket needs a lot of money to sell a lot of tobacco. Sometimes, if you can't afford so much money, you have to use tobacco as a loan. After such loans, many people will be allowed.

First, the applicable object:

1. has a tobacco monopoly retail license, and the registrant of the tobacco monopoly retail license is himself and his spouse. When applying for a loan, the tobacco monopoly retail license must be within the validity period, and there is a business of collecting tobacco money in our bank or other banks.

2. Married, aged between 25 years (including 25 years) and 60 years (including 60 years).

3. A physical store with an operating life of more than 2 years (including 2 years). If you rent a physical store, the rental behavior must be long-term and stable.

Two. Necessary materials for tobacco loan application:

1, the original and photocopy of my ID card, the original and photocopy of my business license that has passed the annual inspection, and the property right certificate or lease contract of the business premises.

2. Married applicants also need to provide the original and photocopy of their spouse's ID card and the original and photocopy of their marital status certificate (marriage certificate or household registration book jointly registered by husband and wife).

3, engaged in franchising, should also provide the original and copy of the business license of the relevant administrative departments.

4. Where other natural persons (or legal persons) provide guarantees for loan applicants, the guarantor shall be audited (or recognized) by the bank and provide relevant certification materials as required by the bank.

5. Other materials required for handling loans.