University Students' Pioneering Loans

In July, Xiao Zhou, who just graduated from college, has been thinking about starting her own business during her college years. Her dream is to open an early education institution. When she is well prepared, a difficult problem is placed before her. That is, where does venture capital come from?

The reporter interviewed and learned that because of the grim employment situation, many college graduates are turning to entrepreneurship. How to solve the problem of venture capital?

In addition to seeking funds from parents, lending to some financial institutions should be a more feasible way.

In this regard, reporters interviewed relevant financial institutions and experts, and provided several loan schemes for university students who intend to start their business as a reference.

Plan 1 borrow the power of parents, borrow money from the bank to mortgage loans, the minimum amount of loans is 100 thousand yuan, the maximum amount is 5 million yuan, and the maximum amount of money that can be recycled is that the first capital of many college students start their own business is from their parents. But their parents' funds are their hard-earned money for decades, so that they can bear the risk of their own businesses. Some independent college students such as Xiao Zhou do not want to, so is there any better way to get money?

Bank experts say that in another way, they can borrow mortgages from their parents' houses to go to the banks for mortgage loans. On the one hand, they do not need to use their parents' funds. On the other hand, they can help entrepreneurs to raise funds and give them the pressure to repay them, so that they can manage businesses more diligently.

The reporter understands that because of the risk control considerations, many commercial banks will give different credit ratings according to their customers' age, marriage, occupation, past credit, personal and family property status, etc.

For graduates who are younger and whose credit files are not complete, it is difficult to borrow money from their own strength. Therefore, Bank experts suggest that graduates start their own businesses by taking advantage of their parents' properties, certificates of deposit, valuable bonds or policies to handle mortgage or pledge loans.

However, it is worth noting that banks are very cautious in issuing such loans. They usually need collateral, such as real estate and shops. In order to avoid risks, the approval process for such products is more complicated and lengthy.

It is learnt that at present, the major commercial banks in our city have opened a similar loan business, taking ICBC and CCB as an example. For example, the Jiangmen branch of ICBC is a personal business loan, which needs to be applied through mortgage, pledge, guarantee or combination.

The personal help loan of Jiangmen branch of CCB can also be applied to individual business loans. It mainly provides loans for individuals engaged in production and operation and temporary capital turnover needs to solve personal short and medium term capital needs.

The minimum loan amount is 100 thousand yuan, the maximum amount is 5 million yuan, which can be recycled.

Plan 2 urgently needs funds to consider pawn loans. The cost of pawn is very high, and the monthly interest rate of 50 thousand yuan can reach 2000 yuan. The general procedures for banks to apply for loans are more complicated. Loans need a certain amount of time. If there is an emergency, there is a quicker way to do that. That is pawn loan.

Although compared with bank loans, pawn loan has high cost and small loan scale, pawnshop loan has its own unique advantages, that is, it can be handled quickly and even immediately. Moreover, pawn shops require almost no credit requirement for customers, which can save complex proof procedures.

In addition, when a customer borrows money from a bank, the purpose of the loan can not exceed the scope specified by the bank, while the pawn shop does not ask about the purpose of the loan, and the loan is very free to use.

The reporter interviewed several pawnshops in Jiangmen. They indicated that they could carry out the financing of physical pawn, such as real estate or automobile. In order to handle property pawn as an example, as long as the real estate certificate and land certificate were complete, the staff could visit the house after they visited the house, and the loan was very convenient. Some could even get the funds on the same day.

However, the cost of pawn is much higher than that of bank loans.

A pawn shop in Jiangmen told reporters that they were lending 50000 yuan, the interest rate of one month was 2000 yuan, and another pawn shop had higher interest rates. The interest rate of 10000 yuan a month was 750 yuan, and the interest rate of 50000 yuan per month was 3750 yuan.

Such a high interest rate is undoubtedly a heavy burden on some people who are just starting their own businesses. Therefore, pawnshop staff say that unless there is a very urgent situation or short-term capital needs, it is best not to borrow money in this way.

"Students who have just graduated do not have to do business at a loss. They have a very poor experience. It is better to work first. The boss of the loan should really think clearly. If you really need the loan, you can borrow it from the bank better."

A pawnshop staff put forward his own suggestions.

Plan 3 unsecured loans, revitalize your capital, the amount of loans issued by small and medium-sized loans is between 1000 yuan and 100 thousand yuan, the fastest speed is 3 days. It is more suitable for low cost venture projects.

The answer is yes.

The Jiangmen branch of postal savings bank has launched a small loan business this year. The loan does not require any collateral. It can be simpler and faster if there is a qualified guarantor. However, it only applies to individual businesses or small businesses that have already been registered with business registration.

For college students, entrepreneurs can register for business with lower initial funds, and then apply for a small loan to the postal savings bank by guaranteeing their relatives and friends who have earned steady income.

The general postal savings bank's small loan has more than 1000 yuan to 100 thousand yuan, and the fastest rate is 3 days. It is more suitable for low cost venture projects.