For example, the central bank's LPR interest rate for the same period is 3.85% for one year, so the basic interest rate for one-year loans of commercial banks is generally 4.35%. When the borrower applies for a loan, it should also be evaluated according to its comprehensive qualifications. Generally, his comprehensive score will be improved 10%-24%. That is to say, the interest of small loans of commercial banks generally fluctuates between 5.0%- 18%.
Private small loans, based on the LPR interest rate, generally fluctuate around 30%. According to the loan interest rate of 3.85%, the standard interest rate of private microfinance is generally around 15%, and then fluctuates according to the borrower's loan qualification, generally around 20%.
What's the interest on a bank loan of 50,000 yuan? Suppose the borrower submits a loan of more than 50,000 yuan, and the annual interest rate is 15%, then the annual interest is 7,500 yuan. If the average reaches every month, the monthly interest is 625 yuan.
Of course, each borrower's comprehensive qualifications are different, and the loan application products are different, and there will be some big differences in loan interest rates. Even the difference in loan repayment method and loan term has caused great harm to the loan interest rate.
What are the advantages of venture capital funds? Venture capital fund, also known as venture capital, is a new type of venture capital institution. Like other stock funds, they digest and absorb idle funds in society and use them for special purposes. Venture capital funds have different advantages for different cores.
For investors, the advantage of venture capital fund is 1. Venture capital funds absorb a large amount of private capital, which constitutes a relatively large scale of operation, which can have a certain impact on the A-share market and make it easier to gather funds.
2. Venture capital funds have special managers and teams, which is undoubtedly a good thing for relatively small investors. They don't have to worry about themselves, and there are specialized people to analyze and invest in the industry.
3. Venture capital funds are generally diversified, and it is not easy to put raw eggs in the same pocket. This kind of risk will be relatively dispersed, and the chance of opportunity will be relatively improved.
4. Venture capital funds are generally in the form of limited partnership, which is conducive to the shaping of venture capitalists.
Advantages of Venture Capital Fund to Investors
1. Investors can get professional guidance and suggestions from relevant experts, which is conducive to improving the professionalism of enterprise development and dealing with problems encountered in enterprise development. At the same time, it also helps to expand the advertising effect, expand the reputation of social development of enterprises, enhance the brand image of enterprises and accelerate the sales process.
2. The invested management company does not need to provide loan guarantee, and the procedure is relatively simple, which reduces the debt burden of the enterprise. Financing can help enterprises grow rapidly, develop new technologies for products, open up new markets and expand the scale of development and operation of enterprises.