Bank Loan "5P Principle"

To start a business loan, the loan must be approved by the bank. How can the loan be approved through the bank?

Here is the "5P principle" drawn from the internal data of major lending departments at home and abroad. It will tell you how to make a bank willing to pfusions.

How to choose a personal business loan? First of all, we must face the problem of capital.

Nowadays, more and more types of loans are required by banks, and loan requirements are also relaxed. If you choose scientifically suitable loans according to your own situation, personal entrepreneurship will become more 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 maximum loan of 500 thousand yuan according to their personal resources and repayment ability.

For the people 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.

In addition to the certificate of deposit, it can easily get personal loan with the certificate of Treasury securities and insurance policy.

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.

If you do not have certificates of deposit or treasury bonds, there is no insurance policy, but your spouse 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 a guarantee loan of about 100 thousand yuan in the financial institutions such as ICBC and CCB by only one or two colleagues' guarantee. When they are ready for various materials, they can get approval on that day and get venture capital quickly.

Two, get the "5P principle" of the venture loan. The loan is approved by the bank. How can we approve the loan through the bank?

Here is the "5P principle" drawn from the internal data of major lending departments at home and abroad. It will tell you how to make a bank willing to pfusions.

(People) 1. sense of responsibility: borrowers and their families, education, social background, industry relations, credit and litigation information, assessment of character (honesty and credit) and their sense of responsibility.

2. business effectiveness: to measure the business ability with the profitability of the enterprise (especially the business interests); whether the moderator or important cadre has enough experience and expertise; the cultivation of the successor operator and the future planning of the industry.

3.? The situation with banks: whether there is a record of honesty or credit; whether it is balanced with banks; whether or not to provide credit information with a cooperative attitude.

(two) whether the capital use (Purpose) capital mobilization plan is legitimate, reasonable, reasonable and compatible.

The three source of repayment (Payment) is the prerequisite to ensure the recovery of the principal and interest of the credit.

It is the core of bank assessment credit to analyze the source of repayment of credit.

Protection (1.) internal guarantee refers to the direct relationship between the bank and the borrower (four).

2. external protection refers to the third party's commitment to the credit responsibility of the borrower.

Perspective (five) refers to the analysis of the future of the borrower and the future development of the borrower and the measurement of risks and interests.

If the applicant can provide the bank with complete information, the credit investigation work of the bank can be completed within two weeks. Then, according to the above 5P principle, we can decide whether or not to grant the loan.