What is a charging right pledge loan? What are the loan conditions?

The following is some relevant knowledge about charging right pledge loans. Come and take a look.

1. Definition

The enterprise uses the charging rights approved by the relevant government departments as the pledge subject, signs the "Rights Pledge Contract" and the "Fund Supervision Agreement" to implement fully closed management of the charging account , a kind of credit business that obtains a loan from Yichun Rural Commercial Bank and repays the principal and interest of the loan according to the agreed interest rate and period.

2. Loan objects

Enterprises, institutional legal persons, other economic organizations and natural persons who hold the "Charging License" issued by the government's Development and Reform Commission, price and other functional departments and registered in accordance with the law, You can apply for a charging right pledge loan from the branch of Yichun Rural Commercial Bank.

3. Loan conditions

(1) Must be the legal holder of the charging right;

(2) The enterprise’s charging right has a strong Profitability, in principle, the enterprise has a profit record of more than three consecutive years, has a considerable production and operation scale in the industry, and has a stable product or operating market;

(3) The value of the charging right has been verified by Yichun Agricultural Products Confirmed by a specialized charging right evaluation agency recognized by commercial banks;

(4) The legal procedures for charging rights are complete and there are no rights defects;

(5) Abide by credibility and repay principal The ability to pay interest;

(6) The financial accounting system is sound, and the annual accounting report has been approved by the accounting firm;

(7) The ability to strictly perform the supervision of Yichun Rural Commercial Bank's charge capital account Agreement and return funds as agreed.

(8) Other requirements of Yichun Rural Commercial Bank.

4. Loan elements

(1) Purpose of loan. It is used for corporate working capital loans, follow-up construction project loans and acceptance business to realize charging rights.

(2) Loan amount and guarantee method.

The guarantee capacity based on the borrower’s financial needs and guarantee conditions shall be determined through negotiation between the borrower and the lender; the physical assets and equipment that realize the charging right + the charging right pledge shall be mortgaged together. In principle, the maximum pledge amount of the charging right shall not exceed the charging amount. 30% of the assessed value of the rights.

(3) Loan term. The short-term working capital loan pledged by the charging right shall not exceed one year, and the medium- and long-term charging right pledged loan shall not exceed five years, and shall not exceed the effective period of the charging right.

(4) Loan interest rate. According to the loan interest rate management regulations of Yichun Rural Commercial Bank.

5. Loan information

Legitimate and valid business license, institutional credit code certificate, account opening license, company articles of association, capital verification report, legal representative identity certificate, customer official seal and legal representative and the signature sample of the financial person in charge, the resolution of agreeing to the loan issued by the authorized agency, financial statements, information on the purpose of the loan and the source of repayment, loan guarantee information, documents agreeing to the pledge by the competent authority for the pledge of charging rights or relevant stakeholders, and charging licenses, Charging standard documents, etc.

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