Six Skills Of Enterprise Loan Interest Planning

First, select the loan bank.

In recent years, in order to gain more economic benefits and win more loan market share, banks have quietly started the competition in the scope of the national loan interest rate.

If some banks implement the national benchmark interest rate, others will go up to varying degrees on the basis of the benchmark interest rate, and there will be different interest rates for different types of loans.

For different loan interest rates, borrowers should "make three goods".

For example, in the issuance of hypothecated loans, some banks will float 30% above the national benchmark interest rate, others will only execute the benchmark interest rate, and the borrower should abandon the former and take the latter.

Two, optimize the loan method.

At present, there are several kinds of loans operated by financial institutions, such as credit, guarantee, mortgage and pledge.

Owing to the different interest rates of different loans, the interest payments for the same amount of loans in the same period are quite different.

Therefore, in the process of borrowing from financial institutions, we must pay attention to and find out the spread of interest rates under different loan modes.

At present, the lowest interest rate loans should be hypothecation loans and bills discounting. If conditions permit, these low interest loans should be locked.

Three, screening loan period.

The current short-term loan interest rate is divided into six grades and two grades a year. It also stipulates the implementation of the half yearly interest rate within six months of the term of the loan, and the implementation of the one-year interest rate over half a year less than one year.

Because the time required for the borrower to predict and the time limit for the loan contract are often not consistent with the point at which the loan interest rate is located, it is natural to form various term loan interest rate differentials in practice.

When the loan period is selected between two loan interest rates, especially when the time limit for signing the contract exceeds the next level, the shorter the time and the longer the distance from the upper level, the greater the loan interest expense the borrower will bear.

If the time limit for signing a loan is 7 months, although it only exceeds 1 months in half a year, according to the current loan interest provisions, only one year loan interest rate can be implemented, thus imperceptibly increasing the burden of interest on loans.

Therefore, in determining the term of loan, we should try our best to identify the time limit for capital requirement.

Four, cautiously sign the loan agreement.

Because some enterprises lack the awareness of financing and financing, and sign down loan agreements are arbitrary, they often create "interest expense" in the loan process.

There are two more common types:

(1) withholding interest loans.

That is to say, in order to ensure the full interest of loan interest, some financial institutions often deduct all interest from the principal of the loan when they issue loans.

In this way, the borrowing cost of the enterprise can be reduced, so the actual borrowing interest rate that the enterprise undertakes will exceed the agreement interest rate signed by it, which objectively increases the financing cost of the borrowing enterprise.

2. The balance of the deposit loan.

That is, when an enterprise obtains a loan from a bank, the bank requires that a portion of the loan principal be retained into the bank's account to restrict the repayment of the principal and interest of the loan on schedule.

But as far as the enterprise is concerned, because the loan principal is discounted under the condition that the interest on the loan is not reduced, the interest rate actually charged by the enterprise is obviously higher than the loan interest rate signed by the contract.

Five, strict

。

"Borrowing, borrowing and lending is not difficult".

However, deviating from this principle and violating the loan contract require unauthorized delay in repayment of loans, which not only damages the interests of banks, but also in a sense will damage the interests of borrowers.

Therefore, starting from lowering the interest cost of loans,

To ensure the contract

We will repay the principal and interest on time.

It is necessary for the borrower to designate personnel to manage the loan ledger, to record in detail the entry, exit and storage of all kinds of loans, and to take full responsibility for the application, use and repayment of the loan.

Six, the abolition of borrowing behavior.

Some enterprises are hindering the difficulty in raising funds for restructuring and investing in stocks. They often take loans from banks as equity funds in the name of employees.

In the name of the employee, the bank loans to the bank, because the interest is ultimately paid by the enterprise. Therefore, in addition to the above "interest rate" burden from the banks, the enterprise also has to bear the subsidized interest from the employees.

In recent years, the interest rate of borrowing interest has been higher and higher, and some have reached the annual interest rate of 20% or even higher.

Therefore, no matter whether we should standardize enterprise restructuring or reduce the financing cost of enterprises, we should abolish any form of borrowing and stock taking as soon as possible.