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Home > Corporate Business > Corporate Lending > Jinmi Academy Loan
发布时间:2021-01-29
Definition of Product
“Jinmi Academy Loan” is an all-around industrial series of credit extension product specially issued by Guangzhou Rural Commercial Bank to qualified education industry clients for school constructions, daily operations, mergers and acquisitions, etc.
Product types:
Three sub-products including “Academy Fixed Loan”, “Academy Flow Loan” and “Academy M&A Loan” are contained in the “Jinmi·Academy Loan”.
“Academy Fixed Loan” is specially designed for the construction of new schools. Its credit line can meet the funding demands of the construction period of the school as well as the funding demands before the full enrollment is realized;
“Academy Flow Loan” is designed for meeting the reasonable funding requirements of the school in the process of school operation;
“Academy M&A Loan” is designed for meeting the funding requirements for school mergers and acquisitions.
Product features
Full cycle: Each stage of school growth can be covered. One product, no worries.
Wide coverage: Different types of clients in the education industry are covered from kindergartens to colleges.
Great applicability: With a combination of multiple types of credit products, the funding demands of different school operating modes such as “old schools build new schools”, “education brand introduction”, etc. are met.
Application requirements:
① Educational clients whose school premises are in Guangdong Province with branches of the Bank (Guangzhou, Foshan, Zhaoqing, Heyuan and Qingyuan), or the education clients who are extensions of the above-mentioned local clients;
② The clients who apply for “Academy Fixed Loan” require the introduced education brand with a high reputation;
③ The clients who apply for“Academy Flow Loan” require a more than 3 years’ founding time (inclusive) of the school;
④Good credit records without bad or illegal acts.
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