Loan method
1. Risk loan
Venture loan refers to a special loan issued by a bank with effective guarantee after an individual who has certain production and operation ability or has been engaged in production and operation activities applies for starting or restarting the capital demand. Eligible borrowers can get a single loan of 500,000 yuan according to their 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 general mortgage loan amount 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 to the bank for commercial housing loans, the loan amount generally does not exceed 60% of the assessed value of the purchased commercial housing, and the longest loan period does not exceed 10 year.
3. Pledged loan
Besides certificates of deposit can be pledged, personal loans can also be easily obtained with certificates such as treasury bills and insurance company policies, and pledged loans can borrow 80% of the amount of certificates of deposit; 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. 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 6,543,800 yuan of secured loans from industrial and commercial banks, China Construction Bank and other financial institutions only by looking for one or two colleagues to guarantee, and they can get approval on the day when they prepare various materials, so as to quickly obtain venture capital.
5. Microfinance
Where the laid-off and unemployed persons under the age of 60 are healthy, honest and trustworthy, have certain labor skills, and engage in self-employment, self-employment or partnership employment, they can apply for small-sum secured loans from commercial banks or their branches on the strength of re-employment concession cards issued by the labor and social security departments, and entrepreneurs can hire laid-off and unemployed persons.
After consultation, you can apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20 thousand yuan, and interest is the lowest interest rate between local bank loans. If an enterprise employs 65,438+00 laid-off workers, it can enjoy a low-interest loan of up to 200,000 yuan.
Extended data:
Conditions for applying for a loan
I. Personal credit loans
The bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times after approval.
Second, housing mortgage loan.
In addition to the strong requirements for the lender's income and credit, the housing period should be less than 20 years and the housing area should be more than 50 square meters; The house has a strong liquidity; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house.
Third, college students' entrepreneurial loans.
College students' entrepreneurial loans require college students who have graduated within two years; College degree or above; 18 years old or above, and then you only need to submit student ID, transcripts, statements and other materials to the bank, and you can get a loan after approval.
Fourth, self-employed loans.
Having full capacity for civil conduct and a local hukou; Having a fixed business place and a stable income; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
Verb (abbreviation of verb) housing mortgage loan
Have a valid identity card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; After opening a personal settlement account with a valid guarantee, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
Baidu encyclopedia-bank loan
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