Choose The Business Loan That Suits You.

At present, the employment pressure of the society is increasing. Many laid-off workers and migrant workers all want to rely on entrepreneurship to realize their dream of life.

A recent survey of university students in a provincial capital city also revealed that more than 80% of college students hope to one day own a company and become a boss when the funds are sufficient.

From this we can see that entrepreneurial enthusiasm and capital "bottleneck" are coexisting. However, from Mr. Liu's successful example of relying on bank loans, we can see that nowadays, more and more types of loans are required by banks, and loan requirements are also relaxed.

Mr. Liu has been working for others since he was laid off in 2000. He has low income and keeps looking at the boss's face all day.

Later, he came up with the idea of starting his own business. After a number of market surveys and comprehensive measurements, he decided to start a single apartment.

He is going to lease three old houses near the labor market, carry out pformation and simple decoration, and then hire them to single employees or to seek scholars elsewhere.

According to the budget, the cost of decoration and the purchase of simple furniture is 30 thousand yuan. The owner asks for a 1 year rent in advance, and three houses need to pay 10 thousand yuan in advance, so that the overall start-up start-up capital is 40 thousand yuan.

Mr. Liu's business has been losing money and basically has no family savings, so the 40 thousand yuan is like a mountain.

He once wanted to retreat, but the good market prospects of the single apartment really moved him.

When he hesitated, he asked a friend who specializes in credit at a bank. The friend recommended to him a new business that the bank just launched as a business loan.

Under the guidance of his friends, he mortgaged himself to the housing reform house and went to the bank to start a business loan.

After obtaining the loan, Mr. Liu found that the loan was not only simple but also enjoyed a 20% interest rate.

Relying on this venture loan, Mr. Liu's single apartment soon opened and business was booming. The net monthly rental income was about two thousand yuan after deducting interest on loans and other expenses.

He said with great emotion: "in the past, only big enterprises were able to borrow money. I do not think that now we laid-off workers can enjoy the loan treatment. With the support of banks, we will no longer worry about venture capital.

At present, the employment pressure of society is increasing. Many laid-off workers and migrant workers all want to rely on entrepreneurship to realize their dream of life.

A recent survey of university students in a provincial capital city also revealed that more than 80% of college students hope to one day own a company and become a boss when the funds are sufficient.

From this we can see that entrepreneurial enthusiasm and capital "bottleneck" are coexisting. However, from Mr. Liu's successful example of relying on bank loans, we can see that nowadays, more and more types of loans are required by banks, and loan requirements are also relaxed.

Venture loan is a kind of special loan that is issued by a person who has certain production and management ability or has already been engaged in production and operation activities. He has applied for capital requirement by undertaking or re starting business and has been approved and effectively guaranteed by the bank.

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 term of a business loan is usually 1 years and the longest is not more than 3 years. In order to support laid-off workers to start an undertaking, the interest rate of the venture loan can float down 20% according to the same class interest rate stipulated by the people's Bank of China. The loans for laid-off and unemployed people launched in many regions can also enjoy 60% of the government's interest payments.

At present, many personal loans that banks handle abroad are required by the mortgage procedures, so long as the borrowers are not breaking the law, banks do not ask for loan purposes.

For those who need to start a business, they can flexibly use their personal consumption loans to start businesses.

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 apply for a commercial housing loan to the bank with the purchase of the house as collateral. 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.

Borrowers who need to buy cars, trucks, buses, mini cars and taxi operators can also handle car consumption loans, which generally do not exceed 80% of the purchase amount, and the longest loan period is not more than 5 years.

In recent years, in order to promote the loan and improve the efficiency, the bank has relaxed the demand for the loan pledge while considering the loan risk. In addition to the certificate of deposit, the bank voucher, insurance company policy and other documents can easily get the personal loan.

The certificate of deposit can lend 80% of the amount of the loan, and 90% of the loan amount of the Treasury bond loan. The amount of the policy pledge loan issued by the insurance company does not exceed 80% of the cash value of the insurance policy.

The time limit for certificates of deposit and treasury bonds is not longer than the expiration date of the pledge. The longest period of time that a bank applies for personal insurance loan is not longer than the time limit for the payment of the pledge policy.

In addition, mortgage loans such as self owned vehicles, taxi management warrants and individual owners' booth warrants can also be applied to medium and short-term mortgage loans.

If you do not have certificates of deposit or treasury bonds, there is no insurance policy, but your wife or parents have a better job and a steady income. This is also 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 can only get about 100 thousand guaranteed loans in financial institutions such as ICBC and CCB by only one or two colleagues.

Moreover, such loans do not require mortgage, appraisal and other procedures. If you have such relatives, you can make loans in his name. If you prepare all kinds of materials, you can get approval on that day, so that you can get venture capital quickly.