The loan term of real estate mortgage is usually more than one year, and the term of various pledged loans handled by banks will vary according to the quality and the bank, ranging from several months to several years. The shorter term is policy pledge and pawnshop loan, which generally does not exceed 6 months; The interest-free period of credit cards is only 5 days at the shortest. If the loan time is extended according to the minimum repayment amount, you need to pay a lot of interest. But overdraft is the most convenient and can be used for emergency.
Main financing channels:
1. Borrowing from relatives and friends is the most conservative financing channel.
2, pawn financing, the fastest one hour to save the capital chain.
3. unsecured credit loans from banks.
4. The interest rate of consumer finance companies is only lower than that of usury.
5, credit card overdraft, repayment calmly.
6. credit card installment payment is economical.
7. Policy pledge loan. ?
There are many online personal financing platforms, but I think we should go to more professional financing platforms to understand them. Mingde Capital itself is investing, which is different from many platforms, and many platforms are just intermediaries. In addition, there are more than 1,8 cooperative fund resources in Mingde, and the docking rate of offline activities is relatively high. Hundreds of people participate in each activity, nearly 1 investors will be on the scene, and many enterprises have obtained financing. Financing is a long-term process, not done overnight. I hope it can help you.
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