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How Does A Business Loan Not Be Deducted By Banks?

2010/10/23 15:30:00 27

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Majority

Entrepreneur

It is not familiar with financial business. When dealing with business loans, as long as the number of loans is right, they generally do not pay much attention to other contents in the contract.

Drill hole

Pay less for start-up loans.

When entrepreneurs realize this problem, the contract is in black and white, and regret is too late.

There are two common ways for banks to deduct business loans: withholding interest loans and remaining loans.

First, withholding interest loans is that some banks deduct all the loan interest from the principal of the entrepreneur in order to ensure that the interest on the loan can be returned on time and when the business loan is issued.

Because this way will make the loan funds available to entrepreneurs with capital needs relatively lower, so the actual borrowing interest rate of the entrepreneurs who have the capital demand has far exceeded their agreement interest rates.

Range

Objectively, it has increased the financing cost of capital demand families, resulting in more interest payments.

Two, the deposit balance loan.

That is, when an entrepreneur takes a business loan to a bank, the bank asks him to retain part of the principal part of the business loan and deposit it into the bank's account to restrict the repayment of the principal and interest of the loan on time.

But for entrepreneurs, because the loan principal is discounted under the condition that the interest on the loan is not reduced, the actual interest rate of the borrower is obviously higher than the loan interest rate signed by the contract.