Haha, I laughed when I saw the following reply. Banks can dream of giving risky loans. Banks may not be willing to give you a loan because they have enough collateral. Banks mainly look at your company's income and capital flow. You just started your business. Where did the capital flow come from? Forget the bank.

1. Personal business start-up loan: Business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has engaged in production and business operation activities, applies for starting or restarting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of the venture loan is 1 year, with a maximum of 3 years.

2. Commercial mortgage loan: At present, many personal loans handled by banks will not be asked about the purpose of the loan as long as the mortgage procedures meet the requirements. People who need to start a business 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. If you need to buy commercial housing along the street, you can apply for a commercial housing loan 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. Secured loan: If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry 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 ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.