How To Make Loans For Venture Capital

Many people often seek "capital" in the early stage of their business. In order to raise start-up capital, they do not consider the cost of financing and their actual demand for funds.

However, today, market competition makes operating profit margin lower and lower. Besides illegal operation, it is difficult to get extraordinary profits.

Therefore, the majority of entrepreneurs must consider the cost when financing, the following personal financing tips for personal loans for your reference.

Qiao choose bank loans also "goods than three".

According to the regulation of financial supervision departments, banks can float or float interest rates within a certain range when issuing commercial loans, for example, the interest rates of many local banks can go up 30%.. In fact, when banks loan and go to the market to buy things, they can pick and choose goods with good quality and low price than three.

Relatively speaking, the loan interest rate of state-owned commercial banks is lower, but the requirements for formalities are stricter.

If your loan procedures are complete, in order to save the cost of financing, you can use individual "inquiry bidding" method to compare the loan interest rates and other extra charges of different banks, and choose a low cost bank to handle the loans for loans, loans or loans.

Reasonable appropriation of housing loans can also start businesses.

If you have the intention to buy a house, and you have enough money to buy a house, you can "embezzle" the purchase money in the business, and then apply for a mortgage loan to the bank when you buy a house.

Housing loans are the lowest interest rates in commercial loans, for example, the annual interest rate of housing loans is 4.77% within 5 years, while the average annual interest rate of commercial loans from 3 to 5 years is 5.58%.

If an entrepreneur has already bought a house, he can use the existing house to make loans for ordinary commercial loans. This kind of loan is not limited to use, and can be used as start-up capital.

Prudent calculation and reasonable choice of loan term

Bank loans are generally divided into short-term loans and medium and long term loans. The longer the loan period is, the higher the interest rate is. If the entrepreneurs' demand for funds is not too long, short-term loans should be chosen as far as possible.

For example, those who originally intend to handle the two-year loans can borrow one year, so that they can save interest expenses.

In addition, venture capital financing should also focus on the trend of interest rate. If interest rate trend is higher, we should rush to handle loans before raising interest rates; if interest rate trend is decreasing, we should postpone loans when the demand for funds is not urgent.

Make good use of policies and enjoy low government interest treatment

Venture loan is a new business launched by banks in recent years. Anyone who has certain production and management capabilities or has already engaged in production and operation activities can apply for a special venture loan to a bank offering this business because of the need to start or re start business.

The term of a business loan is usually 1 years, and the longest is not more than 3 years. According to the relevant regulations, the interest rate of the starting loan can not fluctuate upward, and it can float down 20% according to the same class interest rate stipulated by the bank. In many regions, the laid-off and unemployed people's business loans can also enjoy 60% of the government discount interest; some areas have made small profits for the difficult workers to do housekeeping, health care, and pension services, and the government has fully paid interest.

Early repayment of loans to improve efficiency of capital use

In the course of starting an undertaking, if the business capital is idle due to the increase in efficiency, the withdrawal of the loan and the operation in the off-season and the compression investment, the loan bank may apply to the loan bank for the change of the loan method and age, until some or all of them repay the loan ahead of schedule.

After the loan is changed or repaid, the bank will collect interest according to the loan time and loan amount, thereby reducing the interest burden of the lender and improving the efficiency of fund utilization.

Many people often seek "capital" in the early stage of their business. In order to raise start-up capital, they do not consider the cost of financing and their actual demand for funds.

However, today, market competition makes operating profit margin lower and lower. Besides illegal operation, it is difficult to get extraordinary profits.

Therefore, the majority of entrepreneurs must consider the cost when financing, the following personal financing tips for personal loans for your reference.

Qiao choose bank loans also "goods than three".

According to the regulation of financial supervision departments, banks can float or float interest rates within a certain range when issuing commercial loans, for example, the interest rates of many local banks can go up 30%.. In fact, when banks loan and go to the market to buy things, they can pick and choose goods with good quality and low price than three.

Relatively speaking, the loan interest rate of state-owned commercial banks is lower, but the requirements for formalities are stricter.

If your loan procedures are complete, in order to save the cost of financing, you can use individual "inquiry bidding" method to compare the loan interest rates and other extra charges of different banks, and choose a low cost bank to handle the loans for loans, loans or loans.

Reasonable appropriation of housing loans can also start businesses.

If you have the intention to buy a house, and you have enough money to buy a house, you can "embezzle" the purchase money in the business, and then apply for a mortgage loan to the bank when you buy a house.

Housing loans are the lowest interest rates in commercial loans, for example, the annual interest rate of housing loans is 4.77% within 5 years, while the average annual interest rate of commercial loans from 3 to 5 years is 5.58%.

If an entrepreneur has already bought a house, he can use the existing house to make loans for ordinary commercial loans. This kind of loan is not limited to use, and can be used as start-up capital.

Prudent calculation and reasonable choice of loan term

Bank loans are generally divided into short-term loans and medium and long term loans. The longer the loan period is, the higher the interest rate is. If the entrepreneurs' demand for funds is not too long, short-term loans should be chosen as far as possible.

For example, those who originally intend to handle the two-year loans can borrow one year, so that they can save interest expenses.

In addition, venture capital financing should also focus on the trend of interest rate. If interest rate trend is higher, we should rush to handle loans before raising interest rates; if interest rate trend is decreasing, we should postpone loans when the demand for funds is not urgent.

Make good use of policies and enjoy low government interest treatment

Venture loan is a new business launched by banks in recent years. Anyone who has certain production and management capabilities or has already engaged in production and operation activities can apply for a special venture loan to a bank offering this business because of the need to start or re start business.

The term of a business loan is usually 1 years, and the longest is not more than 3 years. According to the relevant regulations, the interest rate of the starting loan can not fluctuate upward, and it can float down 20% according to the same class interest rate stipulated by the bank. In many regions, the laid-off and unemployed people's business loans can also enjoy 60% of the government discount interest; some areas have made small profits for the difficult workers to do housekeeping, health care, and pension services, and the government has fully paid interest.

Early repayment of loans to improve efficiency of capital use

In the course of starting an undertaking, if the business capital is idle due to the increase in efficiency, the withdrawal of the loan and the operation in the off-season and the compression investment, the loan bank may apply to the loan bank for the change of the loan method and age, until some or all of them repay the loan ahead of schedule.

After the loan is changed or repaid, the bank will collect interest according to the loan time and loan amount, thereby reducing the interest burden of the lender and improving the efficiency of fund utilization.