To Realize The Dream, Choose The Right Starting Business Loan.

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" exist.

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 special loan that is issued by individuals who have certain production and management capabilities or have already engaged in production and business activities. They are required to apply for capital requirements by undertaking or re starting business, and have been recognized and effectively guaranteed by banks.

Eligible borrowers receive loan support from the bank according to their personal resources and their ability to repay their debts. 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 of banks are handled by foreign banks. As long as the mortgage procedures conform to the requirements, the borrowers are not breaking the law, and the banks do not ask for the purpose of loans.

For those who need to start a business, they can flexibly use their personal consumption loans to start businesses, and the amount of mortgage loans generally does not exceed 70% of the collateral valuation price.

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, banks have been improving loans for marketing loans. In considering the risk of loans, the requirements for loan collateral have been relaxed. In addition to certificates of deposit, credentials such as treasury bonds, insurance companies and insurance policies can also easily get personal loans.

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 secured loans from financial institutions such as ICBC, CCB and other institutions 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.