Building a new loan for good work is a micro-enterprise credit product launched by the China Construction Bank, which provides a variety of loan programmes for the financing needs of micro-enterprises. So, is it easy to build a new loan for good? From multiple perspectives, the answer is some objectivity。

Is it easy to build a new loan for good

The enterprise's own conditions

First, as a credit product, a new loan for good will naturally has to be based on the firm's own conditions as one of the important factors in obtaining credit. Generally, when the enterprise operates for a short period of time, collects small amounts, has a history of arrears, etc., it is usually more difficult to obtain loans, and vice versa. In addition, the possibility of a loan may be affected if the financial statements provided by the enterprise do not clearly reflect the business situation。

II. Differing loan lines and purposes

New loans for good work offer a variety of loan programmes at different levels and purposes, such as operating loans, equipment-type loans, real estate project financing, etc., and the difficulty of approving each loan programme may vary. For example, real estate project financing is more difficult to approve than business loans. In addition, the approval process required by different loan lines will vary slightly。

Personal credit records

In addition to the company ' s own conditions, individual credit records can also be an important reference for the approval of new loans for good work. If an enterprise applicant has a better personal credit record, such as a higher credit rating and a good repayment record, there will be a certain amount of credit and interest rate for the loan。

IV. Policy changes

In addition, the difficulty of approving new loans for good work may also be affected by policy changes. For the time being, under the national “soft” policy tone, banks would be more risk-preventive and the approval criteria would be more stringent. Therefore, applicants need to keep an eye on policy developments when applying for loans in order to better respond to the risks of approval。