Banks have those ways to provide financial help for entrepreneurs? Personal business loans: use the preferential policies Mr. Liu has been working for others since he was laid off in 2000, and then he had the idea of starting his own business, he decided to open a single apartment. According to the budget, the decoration as well as the purchase of simple furniture expenses for 30,000 yuan; the landlord requires a one-time prepayment of 1 year's rent, 3 sets of houses need to pay 10,000 yuan in advance, so that the overall business start-up capital is 40,000 yuan. Under the guidance of a friend, he used his own house as collateral and went to the bank for a start-up loan. Loan in hand, Mr. Liu realized that this loan is not only simple procedures, but also enjoy 20% of the floating interest rate. Relying on this business loan, Mr. Liu's single apartment soon opened, and the business is very prosperous, after deducting the loan interest and other expenses, the monthly rent net income of about 2,000 yuan. Entrepreneurship loan refers to a certain production and business capacity or have been engaged in production and business activities of individuals, due to entrepreneurship or re-entrepreneurship to put forward the capital needs of the application, recognized by the bank after the effective guarantee and the issuance of a special loan. Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, Pudong Development Bank, CITIC Industrial Bank, Bank of Communications and so on have launched a personal business loan business, such as the Agricultural Bank of China in Sichuan Province set up the first personal business loan centers, can be through the store, housing, securities and other mortgages, pledges, as well as have the strength of the person to provide a guarantee to solve the problem of the loan, the maximum loan can be 2 million yuan. Mortgage loan: betting on other people's property rights to make a fortune Mr. Zhao was originally a driver in a factory, and became an unemployed person after his unit bought out his working age and took a compensation payment. At this time, his region began construction of a highway, civil engineering works require a large number of engineering vehicles, and now most of the project contractors do not buy their own vehicles transportation and take outsourcing solutions. Mr. Zhao after some investigation, think buy a transport vehicle contracting civil engineering is a very good way to make a living, but buy a car needs a lot of money, a cheapest dump trucks can't come down 80,000, and he only has more than 20,000 yuan in the hands of the compensation for buying out the age of the work, so he had to turn to the bank. With the help of the bank staff, he first in the designated car dealership company looked at a 15-ton dump truck, and the proposed purchase of vehicles as collateral, and the bank signed a 60,000 yuan mortgage contract. Finally, after paying a down payment of more than 20,000 yuan, he drove this new car home and soon undertook earthmoving works at the construction site. Today, Mr. Zhao earns more than 8,000 yuan a month and is preparing to take out a loan to buy another car. A mortgage loan is a loan granted with the borrower's or a third party's property as collateral in accordance with the collateralization method stipulated in the security law. For mortgage loans should be kept by the bank collateral of the relevant title certificate, especially for housing mortgages and car loans, the house you use, the car you can drive, but strictly speaking, the property rights have been mortgaged to the bank, you have only the right to use. The amount of the mortgage is generally no more than 70% of the appraised value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to purchase commercial premises along the street to start a business, you can apply to the bank for a commercial premises mortgage loan with the proposed purchase as collateral, the loan amount is generally not more than 60% of the appraised value of the proposed commercial premises, and the loan period is not more than 10 years at the most; because you need to purchase a car, a truck, a bus, an engineering vehicle as well as to operate cabs for starting a business, you can apply for an automobile loan just as Mr. Zhao does, and this loan is generally not more than 80% of the purchase price, and the loan period is not more than 10 years. This loan generally does not exceed 80% of the purchase price of the car, and the maximum loan period does not exceed 5 years. Depository receipt pledge loan: tapping credit resources Ms. Li wants to open a chain store of a certain brand of cosmetics, according to the requirements of the headquarters, need to pay 50,000 yuan in various fees. She has 10,000 yuan of cash in hand, and a 50,000 yuan of regular savings certificates of deposit, originally intended to handle early withdrawal, but the bank financial planner calculated that the pledge loan than early withdrawal of more than 2,244 yuan of income. So, she was in the bank for a small pledge loan, both in time to raise all the start-up capital, but also to avoid the loss of interest on early withdrawal. Depository receipt pledge loan starting point is generally 5,000 yuan, each loan is not more than 80% of the face value of the pledge, in general, to the bank branch on the same day to obtain loans. In addition, loans can also be easily obtained from banks in the form of treasury bills and life insurance policies. The Measures for Pledged Loans of Treasury Bonds in Certificated Form stipulate that all treasury bonds in certificated form issued after 1999 (inclusive) are eligible for pledged loans of treasury bonds. The starting point of the pledge loan is 5,000 yuan, and each loan is not more than 90% of the face value of the pledged treasury bonds. Of course, with the written consent of relatives and friends, and by presenting the valid identity documents of oneself and one's relatives and friends at the same time, it is also possible to apply for a pledge loan with one's relatives and friends' depository receipts, certificated treasury bonds and life insurance policies. Small credit loans: credit is also wealth Villager Luan Changjun in 1998 from Shanghai to learn pig farming technology, returned to his hometown and set up a pig factory. Over the past few years, he has five times to the credit union nearly loan 40,000 yuan, to solve the initial purchase of piglets, building pigsty financial difficulties. Now Luan Changjun pig factory has developed from 10 to more than 200 heads. Recently, he built a row of modern pig factory in the village, ready to further expand the scale of breeding, and will be combined with pig and fish farming, pig manure and use up the scraps used to raise fish, his circular economy chain attracted a large number of villagers to follow. Luan Changjun said: all of this, is the credit union of small credit loans of the blessing. Farmers small credit loans refers to rural credit unions based on the creditworthiness of farmers, in the approved amount and period of time to farmers without collateral, guaranteed loans, the current loan amount is generally not more than five million dollars. Since this business was fully promoted nationwide in 2002, it has been generally welcomed by the majority of farm households. To apply for a small credit loan, farmers should first apply for a Loan Certificate from their local rural credit union. Upon receipt of the application, the rural credit union will assess the applicant's credit rating and, based on the assessed credit rating, authorize the credit loan limit of the corresponding rating and issue the Loan Certificate. When a farmer needs a small credit loan, he or she can apply directly to the Rural Credit Union with the Loan Certificate and a valid identity document. When the rural credit union receives the loan application, it will examine the purpose and amount of the loan, and the loan will be issued if it passes the examination. It should be noted that, according to the current regulations, only loans for agricultural production costs such as planting and breeding; loans for agricultural machinery; loans for services centered around pre-production, production and post-production in agriculture and loans for the purchase of daily necessities, house construction, treatment of illnesses, children's schooling and other consumer loans can be used in the way of small-scale credit loans for farm households. The major commercial banks also issue small personal short-term credit loans, but most of them are issued by the banks to solve the temporary consumption needs of the borrowers, and the amount is usually within 20,000 yuan, with a term of no more than one year. In the process of lending to the bank, entrepreneurs have two other points to pay special attention to: First, be sure to shop around. In accordance with the provisions of the financial regulatory authorities, the banks to issue commercial loans can be within a certain range of upward or downward fluctuations in lending rates, such as many local banks can be up to 30% of the lending rate. In fact, to the bank loan and go to the market to buy things, pick and choose, comparison of goods in order to choose the best goods at a good price. Relatively speaking, the state-owned commercial bank loan interest rates are lower, but the formalities required are more stringent, if your loan formalities are complete, you can compare the loan interest rates of various banks and other additional charges, from which to choose a low-cost bank for. Secondly, choose the loan period reasonably. Bank loans are generally divided into short-term loans and medium- and long-term loans, the longer the loan period, the higher the interest rate, if the entrepreneurial use of funds in demand is not too long, should try to choose a short-term loan, such as the original intention to apply for a two-year loan can be a year a loan, so that you can save interest expenses. In addition, entrepreneurial financing should also pay attention to the trend of interest rates, if the interest rate trend is high, should be grabbed before the interest rate hike for loans, so that you can enjoy the low interest rates in the current year before the interest rate hike; if the interest rate trend tends to fall, in the case of capital needs are not urgent, it should be held back for loans, such as interest rate reductions and then in due course.