Which Kind Of Money Is Suitable For Individual Business?

After graduating from Xiao Liu University, he had the idea of starting a business. After some market research, he decided to open an electronic computer accessories store.

The 40 thousand yuan needed to start the business made him want to back down for a while, but the good market prospects of the electronic computer accessories really moved him.

A friend who works in a bank has recommended a new business called venture loan.

Under the guidance of friends, Xiao Liu mortgaged his home and went to the bank to start a business loan.

Relying on this venture loan, Xiao Liu's electronic computer accessories store opened quickly, and its business was booming, with a net profit of around 2000 yuan per month.

It can be said that the venture loan has solved his urgent need.

At present, many people want to realize their dreams through personal entrepreneurship.

But how to solve the problem of "bottleneck"?

There are several forms of bank loans to choose from: personal venture loans refer to individuals who have certain production and management capabilities or have already engaged in production and business activities, and ask for a special loan from the venture or re start business, which is approved by the bank for effective guarantee.

Eligible borrowers can get a single loan of 500 thousand yuan according to their personal resources and repayment ability. They can also apply for a higher loan amount for those who have reached a certain scale or become reemployment stars.

The duration of business loans is usually 1 years, and the longest is not more than 3 years.

In order to support laid-off workers' entrepreneurship, the interest rate of venture loans can be reduced by 20% according to the same class interest rate stipulated by the people's Bank of China.

Commercial mortgage loans refer to many personal loans handled by banks, so long as the mortgage procedures meet the requirements, banks will not ask for loan purposes.

The amount of mortgage loans generally does not exceed 70% of the collateral valuation price, and the maximum loan limit is 300 thousand yuan.

If you want to purchase a commercial house along the street, you can buy a house for a mortgage and apply for a commercial housing loan to the bank. The loan amount is generally not more than 60% of the value of the commercial housing valuation to be purchased. The longest loan period is not more than 10 years.

Because the business needs to purchase cars, trucks, buses, emblem cars and taxi operators, it can also handle automobile consumption loans. This loan generally does not exceed 80% of the purchase amount, and the loan term is not more than 5 years.

If you do not have certificates of deposit, treasury bonds or insurance policies, but your wife or parents have a stable income, it can also become an excellent credit resource.

At present, banks have a special liking for the high-income class. Lawyers, doctors, civil servants, employees of public institutions, and financial industry personnel are listed as preferential treatment of credit loans. Employees in these industries only need to find a guarantee loan to two colleagues, so that they can get a guarantee loan of about 100 thousand yuan in the relevant financial institutions.

Moreover, such loans do not need to handle any mortgage or assessment procedures.

If you have such a relative, you can get loans in his name, and you can get venture capital on the same day if you prepare all kinds of materials.