Individual Industrial And Commercial Bank Loans Three Tips

Individual industrial and commercial bank loans are the three main tricks of financing. In the first half of the year, the growth of bank savings and loans both fell down in the first half of the year under the macroeconomic regulation and control of the state, which made it difficult for individual businesses who had difficulty financing to go through the threshold of banks.

However, if you learn to choose loans scientifically, you can still get bank loans to make your financing path smooth.

Venture loan: Qingdao's self-employed Mr. Wang, who has actively applied for the policy, applied early to the apartment market near Qiingdao University. He plans to rent 3 apartments in the vicinity and lease it to students after renovation.

According to the budget, the cost of decoration and the purchase of simple furniture is 30 thousand yuan, and the prepayment of 3 houses is 20 thousand yuan. The total start-up capital is 50 thousand yuan.

Because of his limited savings, he went to a friend who was engaged in credit work in Qingdao Agricultural Bank. Under the guidance of his friends, he used his own housing as collateral and went to ABC to handle the personal venture loan from the bank.

Relying on this venture loan, Mr. Liu's apartment soon opened, deducting interest payments on loans and so on. The monthly net rental income is about 3000 yuan.

Venture loan refers to a kind of special loan issued by an individual who has certain production and management ability or has already engaged in production and operation activities, and applies for capital requirement because of entrepreneurship or re start business.

Eligible borrowers are generally entitled to a maximum loan of 500 thousand yuan according to their personal resources and repayment ability. They can also apply for a higher loan amount to a certain scale or reemployment star.

The duration of business loans is generally 1 years, and the longest is not more than 3 years. In order to support laid-off workers' entrepreneurship, some banks float down interest rates on their business loans, and the joint venture launched by many regional governments and banking departments can enjoy 60% government discount.

Mortgage loans: property rights prepaid income from its own business, Mr. Lee used to run his own daily department stores, and later he planned to buy a commercial area along the street in a prime location, but at least 700 thousand of the house price. He had to struggle to get 450 thousand. Under the advice of his friends, he found the location of the ICBC credit office. After the bank staff assessed the value of the house, the bank signed an agreement with him to purchase the house mortgage, and provided him with a commercial housing mortgage loan of 300 thousand, with a period of 10 years.

After successfully taking over, he quickly rented the house. Because of the good location, the monthly rent and the interest rate of repayment made him earn 2500 yuan steadily.

Mortgage loan refers to the loan issued by the borrower or third party's property as collateral under the mortgage law stipulated in the guaranty law.

At present, banks mainly carry out mortgage loans for housing and automobiles.

When handling mortgages, the bank should keep the relevant property rights certificate of the mortgaged property, especially for housing mortgage and auto loan, you can use the house, you can also drive the car, but strictly speaking, these property rights have been mortgaged to the bank, you only have the right to use.

At present, vehicle mortgage loans generally do not exceed 80% of vehicle purchases, and the longest loan period is not more than 5 years.

Mortgage loans generally do not exceed 60% of the estimated value of the proposed commercial housing, and the longest loan period is not more than 10 years.

Pledged Loans: to tap the resources and make full use of Mrs Liu, Ms. Liu wants to open a chain store of Kodak color expansion store. According to the cooperation agreement, she needs a start-up cost of 99 thousand yuan.

Her cash in hand is only 40 thousand yuan, but in a time deposit certificate with a 100 thousand yuan deposit, it will cause a large interest loss because of early withdrawal.

Under the guidance of the bank's financial planner, she took the order pledge loan and got a 70 thousand yuan loan from the bank.

The venture capital was raised in time, and the interest loss of several thousand yuan in advance was avoided.

At present, banks have set up personal loans that are hypothecation, such as certificates of deposit, treasury bonds, insurance policies, personal credit and other credit resources.

At present, it is more common to deposit certificates and treasury bonds.

The starting point of the deposit loan is generally 5000 yuan, and each loan does not exceed 80% of the face value of the pledge.

The starting point of treasury bond loan is 5000 yuan, and each loan does not exceed 90% of the value of the Treasury bonds. The longest loan period generally does not exceed the maturity date of the certificate bond. If we use multiple certificates of treasury bonds with different maturities, we will determine the loan period from the nearest person.

In addition, if you get written consent from relatives and friends, and at the same time produce valid identity documents of yourself and relatives and friends, you can also use collateral bonds of relatives and friends to handle mortgage loans.

However, it is necessary to point out that no matter what kind of loan is applied, the principal and interest must be reimburse according to the requirements of the contract. If the bank fails to repay the loan on time, the bank will pay a certain amount of late fee, and will take the measures of withholding mortgage, pledge and investigating the responsibility of the guarantor according to the circumstances.

In addition, the bank will record the borrower's credit situation as "bad". Once the credit system is improved, the borrowers will be blocked if they have bad records.

There are 2 financing channels outside the loan, namely, small and medium-sized industrial and commercial households. Besides the financing channels for bank loans, there are two channels for pawn loans and private loans: pawn loan is a financing method for obtaining temporary loans from pawn shops in the form of physical property pfer in the form of material assets.

The range of pawn articles includes gold and silver jewelry, antique calligraphy and paintings, securities, household appliances, automobiles, clothing and other personal belongings.

Pawnshops generally apply the valuation of 50% to 80% of the current retail price of the mortgaged goods. If they fail to handle the redemption, they will be able to handle the reformalities.

Pawn loan is not restricted by loan quota, it is a simple, fast, safe and reliable financing channel.

Private loans include loans to relatives or friends or loans from underground banks.

In order to solve the shortage of production and operation funds such as production and operation, commodity trade, agricultural machinery and equipment, contracted land, agricultural trade paction, and individual businesses, etc.

The interest rate of private lending is high, and the period of borrowing is usually determined by the borrower and the two sides depending on the turnover of funds. The procedures are simple and quick, most of them can be concluded only by oral promise, or through intermediaries or by relationship. However, now it is necessary to formally sign the contract and have a guarantor. The larger amount still needs to be mortgaged in real estate.

However, there are many problems in private lending, such as high interest rate, high risk, blindness, poor standardization and unfavorable financial order.