First, run more banks.
Some regions and banks can grant entrepreneurship subsidies to eligible borrowers, so there will be preferential interest rates. When different banks issue venture loans, they can raise or lower the loan interest rate within a certain range. For example, the loan interest rate of many local banks can rise by 30%. So don't be impatient when applying for a loan. You can go to several banks to compare the amount, term, interest and repayment methods, so that you can choose good and cheap goods.
Generally speaking, if conditions permit, priority must be given to bank venture loans, because the interest rate will be much lower and the security will be high, but the application threshold is stricter.
Second, the clever use of housing loans.
This situation is aimed at people who have plans to buy a house. They happen to have almost the same amount of money on hand, so they can use it to start a business loan first, and then apply for a house loan when they want to buy a house, so that they can enjoy the loan discount at the lowest cost.
Bank housing loan has the lowest interest rate among commercial loans. If the annual interest rate of housing loans is below 5 years, there is absolutely no such interest rate. Therefore, it is cheaper to start a business with a "curve" mortgage. If the entrepreneur has bought a house, he can also use the existing house as a mortgage for ordinary commercial loans, which can be used as the start-up capital for starting a business.
Third, it is very important to choose the term of risky loans.
Loans can be divided into short-term loans and medium-and long-term loans. The longer the loan term, the higher the interest rate. When handling venture loans, you must reasonably estimate the use of your own funds. If possible, give priority to short-term loans. For example, if you plan to apply for a two-year loan, you can borrow it once a year, which can save interest expenses.