You can get a loan if you meet the loan conditions. Conditions for applying for loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank. Interest Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use funds, which is the use price of funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal. Repayment method (1) Equal repayment of principal and interest: that is, the sum of loan principal and interest is equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can settle the money in one lump sum at any time without penalty. The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal interest rate is divided into daily interest rate, monthly interest rate and annual interest rate. The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space published by relevant laws and regulations of various countries.

Second, how do students get loans when they open a supermarket after graduation?

Students who open a supermarket after graduation can apply to the Human Resources and Social Security Bureau for a business guarantee loan. With the approval of the relevant departments, they can borrow money from the bank. This kind of loan has a low interest rate and is subsidized by finance.

Third, can I get a loan to open a supermarket?

You can get a loan if you meet the loan conditions.

apply for loan

Age 18 to 65 years old.

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

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interest

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use funds. It means that a certain amount of capital interest (that is, loan principal) can be calculated in detail through the loan interest calculator.

In civil law, interest is the legal fruit of principal.

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. such

(2) The average capital shall be repaid in each installment (month) during the whole repayment period, and the loan interest from the previous trading day to the repayment date shall be paid off at the same time. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) Repay all the loans in advance, repay all the loan amount in advance, repay everyone's loan, and go through the corresponding cancellation procedures.

(6) Pay back with the loan: the interest after the loan is calculated on a daily basis, and there is no need to pay liquidated damages for one-time payment.

interest rate

The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.

Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.

Lenders are subject to interest rate fluctuations in different countries.

I want to open a supermarket with a loan. Is it feasible?

If you have no confidence in yourself, how can the bank lend you money? !

You should at least have a project with clear goals and have the confidence to return it!

It is right to start a business, but you must do what you can! The bank is not a welfare institution and will not lend you money for nothing!

If there is no road and no background at home, unless you take the house as collateral or borrow a friend's car to drive together.

It is the most important thing to accumulate contacts and experience when you just set foot on the society. There is no backstage effort and persistence at home, which is the greatest wealth. If you want to run a supermarket well, you must learn relevant knowledge and go to other supermarkets to study. When the time is right, you won't be afraid to pay back!