1. Risk loan

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

2. Mortgage loan

For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

3. Pledged loan

In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the loanable deposit certificate amount of the pledged loan; 90% of the denomination of the national debt that can be loaned by the national debt pledge loan; The amount of the loan pledged by the insurance company shall not exceed 80% of the cash value of the policy at that time.

4. Guaranteed loan

If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and financial professionals are all listed as preferential targets for credit loans.

Employees in these industries can get about 654.38+10,000 yuan of secured loans from financial institutions such as ICBC and China Construction Bank only by looking for one or two colleagues to guarantee, and they can get approval documents on the day when all kinds of materials are ready, so as to quickly obtain venture capital.

5. Microfinance

According to "laid-off workers under 60 years old, healthy, honest and trustworthy, with certain labor skills, who are engaged in self-employment, self-employment, partnership or organized employment, they can apply for small secured loans from commercial banks or their branches with a re-employment concession card issued by the labor and social security department.

Entrepreneurs can hire laid-off and unemployed people. After consultation, they can apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.

6. International trade financing

International trade financing refers to short-term financing or credit facilities provided by the government and banks to import and export enterprises related to import and export trade settlement. These businesses include letter of credit opening, import bills, delivery guarantee, export bills, packaged loans, discount of foreign exchange bills, international factoring financing, forfaiting, export buyer's credit and so on.

Extended data

At present, the supply of credit funds in China can be divided into three ways, namely, direct lending, indirect lending and loans from buyers and sellers.

1. direct loan method: direct loan method means that banks need to directly issue loans to reasonable funds during the operation of enterprise units.

2. Indirect loan method: the bank lends money to the enterprise by handling bill discount business, which belongs to indirect loan method.

3. Seller's credit and buyer's credit: Seller's credit and buyer's credit are two internationally accepted export credit methods. In order to support and expand exports and strengthen international competition, many countries in the world encourage their banks to open export credit business to meet the financial needs of foreign importers to pay for goods.

Among them, the loan provided by domestic banks to domestic exporters (sellers) is called seller's credit, and the loan provided by domestic banks to importers (buyers) or importing banks is called buyer's credit.

References:

Baidu encyclopedia-bank loan

References:

Baidu encyclopedia-loan method