3 Tips For Personal Loans

Do you want to be a successful entrepreneur?

Do you want to have convenient and smooth financing channels?

However, the difficulty of individual businesses financing is always troubling individual entrepreneurs and bruising the enthusiasm of individual entrepreneurs.

But have you ever thought that mastering the tricks of scientific choice of loans may not be far away from you, and becoming Bill Gate of China is not an Arabian tale.

In the early years of last year, Mr. Zhou and Mr. Zhou obtained automobile loans through the bank, but in strict sense, the loan could not be regarded as a "consumer loan", but rather a "start up loan", because Mr. Zhou bought a car not for his own enjoyment, but for the rental business.

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.

It is understood that lending to banks at present is not a rare thing in China.

In addition to the industrial and Commercial Bank of China Shanghai branch and Kodak company jointly launched the personal help loan, to provide credit financing for the owners who apply for the Kodak fast color expansion shop, Shanghai Pudong Development Bank has also signed a contract with Lianhua, and has launched the "70 thousand yuan investment and a small boss" franchise plan. The Agricultural Bank Shanghai Jinshan Branch also rescued a bankrupt enterprise by issuing a 2 million yuan personal venture loan, which has achieved good results of banks, enterprises and individuals.

According to a special survey conducted recently, 80% of respondents in Shanghai said they wanted to taste the taste of being a boss. Besides being a good investment project, they needed the necessary start-up funds.

Compared with usury and loan to relatives and friends, venture loans are a good policy. Their safety and stability are incomparable to private lending.

After being laid off, she has been looking for a way to earn money for herself.

After thousands of searches, Miss Zhang took a fancy to a commercial area along the street in prime location, and wanted to rent it after purchase.

But at least 900 thousand of the house price, she had to borrow 500 thousand of all the trouble. At this time, she thought of the credit office of the ICBC. After the bank staff assessed the value of the house, the bank signed a mortgage agreement with her, and provided her with 400 thousand of the commercial housing mortgage loan, with a term of 10 years.

When the house arrived, she quickly rented the house. Because of the good location, the monthly rent and the interest rate on the loan made her a great income.

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.

Mortgage loans are common now.

Shanghai Pudong Development Bank has jointly "I love my family" for the new property projects have done "old for new" upgrade operation, including mortgage existing property, with loans to buy new housing projects, the success of the housing.

In fact, when buying cars, large electrical appliances, and traveling abroad or investing in education, once the money in hand is difficult to run, they can apply for mortgage loans.

The business launched by banks has solved the problem of immovable property and improved the ability of capital operation and satisfied the consumption and investment needs of consumers.

Experts predict that mortgage loans will continue to flourish in the next few years.

In order to open up a Kodak franchise chain store, Mr. Liu, who uses a pledge loan, wants to start a charge of 99 thousand yuan.

He has only 50 thousand yuan in cash at present, but there is a fixed deposit certificate of 100 thousand yuan in the bank, which will cause a large interest loss due to early withdrawal.

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

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.

It is more common now to deposit certificates and treasury bonds.

It is necessary for the company 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.

Why did the SFC issue a stock inquiry system?

The China Securities Regulatory Commission (CSRC) said in its notice on Several Issues concerning the trial price system of initial public offerings (Draft) that in the mature capital markets abroad, IPO prices are usually formed through an inquiry to institutional investors.

The reason is that institutional investors have a group of professional investment research and analysis personnel, who can offer quotations reflecting market demand to the issuer's shares, and their quotations have a strong constraint on the determination of the issuing price of new shares.

With the development of China's securities market, the purchase of new shares is riskless, and the market has a significant change in the constraints of the issuer.

At present, the strength of institutional investors such as securities investment funds has increased significantly. The institutional investors' ability to price analysis and the willingness to participate in determining the price of new shares have been increasing, and their position and role in the market have become increasingly prominent.

Therefore, the SFC believes that the conditions for introducing the inquiry mechanism to institutional investors in IPO are basically mature.

There are three major changes in the notice (Draft) compared with the existing regulations. First, the issuer and his sponsor should be used to determine the issue price by way of accumulative bid inquiry to institutional investors.

At the same time, there are four main measures: full payment, proportional placement, purchase and placement, and stock lock up period.

These measures are mainly aimed at promoting rational quotations and strengthening the supervision of the inquiry process by the institutions involved in the inquiry.

The two is to stipulate the total share capital after IPO as the basis for calculating earnings per share and issuing price earnings ratio.

It is mainly for investors and investors to determine the value of the two market stock investment when the earnings per share and the price earnings ratio are calculated in accordance with the same basis, so that investors can make a comprehensive comparison of the stock prices of the one or two market.

The three is to stipulate that the earnings per share should be deducted from the non recurring gains and losses.

The main purpose is to highlight the ability of issuers to create value and continuous profitability, so that investors can better judge the real value of issuers, prevent profits from adjusting through non recurring gains and losses, and affect the issue price.

The China Youth Daily bookkeeping seven term treasury bonds will be listed on the Shanghai Stock Exchange next 2004 on Monday, and the seven treasury bonds will be listed on September 6th.

Yesterday, the Shanghai Securities and Exchange Commission yesterday announced that the Treasury bonds were fixed interest rate interest bearing debt for a period of 7 years, the interest rate date was August 25, 2004, the coupon rate was 4.71%, interest was paid once a year.

The listing of the Treasury bonds was opened at the beginning of the auction, and the trading method was cash and repurchase. The conversion rate of treasury bond repurchase standard coupon was 1:0.98.

Each member unit shall not open a "Securities two level account" for investors to buy and sell the Treasury bonds.

The Shanghai Securities Journal taught you how Miss Zhang Yuan Jing, a counterfeit currency, spent 100 yuan in cash in a shopping trip. The reason was that the renminbi was counterfeit money.

After Miss Zhang sent this note to a bank's counter, it was identified as counterfeit money.

To help the people avoid being deceived by some lawless elements, the financial department reminds people to identify counterfeit money in two ways, three times and four times in daily life, and guard against being deceived.

According to the experts, the issuing time of the new edition of RMB is getting closer to the emergence of the first case of counterfeit money. The counterfeiting level of criminals is getting higher and higher. The counterfeit money printed by the machine accounts for 94.3%, and counterfeit money is enough to be false. With the gradual withdrawal of the old version of the people's currency, the fifth edition of RMB has become the focus of counterfeiting, especially the counterfeiting of 100 yuan coupons, which accounts for 56.6%.

The identification of counterfeit money has a unique way to improve people's ability to identify counterfeit money. The financial sector reminds us that the identification of RMB notes can be based on "one touch, two touch, three ears and four measurements".

Look at the watermark: see whether the coupon pattern is clear and the color is bright.

The fixed watermark of fifth sets of RMB coupon notes is located in the blank space on the left side of the front face. When you look through the light, you can see the strong sense of the watermark. You can see that there is a safety line between the front and the left of the coupons.

The financial department said that the Yin and Yang complementary patterns of the fifth sets of RMB banknotes were applied to 100 yuan, 50 yuan, and 10 yuan coupons. The 3 kinds of coupons were printed with a circular local pattern on the front left bottom and the bottom right side, and the two patterns were accurately butted together to form a complete ancient coin pattern.

Two touch: touching the portrait, touching the Braille point, touching the name of the people's Bank of China and so on, and feel whether there is a concave or convex feeling.

The fifth sets of RMB note notes are all Mao Zedong heads. They are hand carved gravure printing technology, vivid, concave and convex, and easy to identify.

Three listen: true RMB can be heard by hand shaking, fingers flicking or gently pulling hands, and can hear clear, loud voice.

Four measurements: you can use the magnifying glass to observe the definition of the ticket line, glue, gravure printing microfilm, etc.

Using ultraviolet light to irradiate banknotes, observe whether there is fluorescence reaction in paper and ink.