请问Small Business Loan的费用问题

flagger · 发表于 2009-5-28 06:52

有人贷过Small Business Loan 吗? 希望能告知会有什么相关的费用(利率除外)及大约的费用金额.

newlife2006 · 发表于 2009-6-9 08:14

How much financing is available?

Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.

http://www.ic.gc.ca/eic/site/csbfp-pfpec.nsf/eng/h_la02855.html

这是联邦政府的small business loan office 的网站，大家可以研究一下。

What are the costs?

The interest rate is determined by your financial institution. The interest rate may be variable or fixed:

Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate plus 3%.

A registration fee of 2% of the total amount loaned under the program must also be paid by the borrower to the lender. It can be financed as part of the loan.
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government

benteng988 · 发表于 2009-6-9 00:04

我是前几年从BDC贷的浮动, 现在是BASE4.250%+VARIANCE0.500%,不记得当时会有几千加元的费用要付.

kittyglass · 发表于 2009-6-7 22:56

Post by john2016;2261094
银行什么时候开始50的上限的，我6月初批的还是25，利率是5.5%，扣除5000的费用

请问您的审批过程大概多久呢？我的已经2周多了还没下来，着急中……
同是TD小生意贷款，不过我得是连房带店的！！十分感谢

john2016 · 发表于 2009-6-7 17:49

银行什么时候开始50的上限的，我6月初批的还是25，利率是5.5%，扣除5000的费用

newlife2006 · 发表于 2009-6-7 16:26

怎么这么贵？
本人去年从td 借的 small business loan。央行的prime rate加3％现在是3.25％
td 负责出2％的政府手续费。只是外加一条件，头6个月不许我还本金，只还利息。估计td是想多赚点。美其名曰减轻我的开业负担。

不过现在small business loan 的上限已经翻了一倍了今年从25万涨到50万。