2. Personal business start-up loan: Preferential policies: Business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has been engaged in production and business operation activities, and has been recognized by the bank as an effective guarantee after applying for capital requirements for starting or re-starting. At present, ICBC, Bank of China, Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industrial Bank and Bank of Communications have all launched personal business loans. For example, the first personal loan center established by Agricultural Bank of China in Sichuan Province can solve the loan through the mortgage pledge of shops, houses and securities, and the guarantee provided by powerful people. The maximum loan amount can reach 2 million yuan. Mortgage: gambling on other people's property rights to make a fortune. Mr. Zhao used to be a driver in a factory. After the company bought out the seniority and got a compensation, he became unemployed. At this time, expressway began to be built in his area, and a large number of engineering vehicles were needed for civil construction. At present, most engineering contractors do not buy their own vehicles, and use outsourcing to solve the problem. After some investigation, Mr. Zhao thinks that it is a very good way to make money to buy a transport vehicle to undertake civil engineering, but buying a car requires a lot of money, and the cheapest dump truck is less than 80 thousand, and he only has more than 20 thousand yuan to buy out the compensation for the length of service, so he has to turn to the bank for help. With the help of the bank staff, he first took a fancy to a15t dump truck in a designated car dealership, and signed a mortgage loan contract of 60,000 yuan with the bank. Finally, after paying a down payment of more than 20,000 yuan, he drove his new car home and quickly took over the earthwork of the construction site. Today, Mr. Zhao's monthly income reaches more than 8,000 yuan, and he is preparing to take out a loan to buy another car. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral in accordance with the mortgage method stipulated in the Guarantee Law. When handling mortgage loans, banks should keep the relevant property rights certificates of collateral, especially housing mortgages and auto loans. The house can be used and the car can be driven, but strictly speaking, the property right has been mortgaged to the bank, and all you have is the right to use it. 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 starting a business needs to buy commercial housing along the street, you can apply for a commercial housing mortgage loan from the bank with the house to be purchased 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. If you need to buy cars, trucks, buses, engineering vehicles and operate taxis, you can apply for a car loan like Mr. Zhao. Generally, this kind of loan does not exceed 80% of the purchase price, and the loan period does not exceed 5 years. Pledge loan: In order to make use of credit resources, Ms. Li wants to open a cosmetics chain store of a certain brand. According to the requirements of the headquarters, she needs to pay 50 thousand yuan for various expenses. She has 65,438+00,000 yuan in cash and a deposit certificate of 50,000 yuan. She originally planned to withdraw in advance, but the bank financial planner calculated that the pledged loan earned 2244 yuan more than the early withdrawal. So, she applied for a small pledge loan in the bank, which not only raised venture capital in time, but also avoided the interest loss of early withdrawal. The starting point of pledged loans is generally 5,000 yuan, and each loan does not exceed 80% of the pledged face value. Under normal circumstances, loans can be obtained at bank outlets on the same day. In addition, you can easily get loans from banks for government bonds and life insurance policies. The Measures for Pledged Loans of Voucher-type Treasury Bonds stipulates that all voucher-type treasury bonds issued after 1999 (inclusive) can be used for pledged loans of treasury bonds. The starting point of pledge loan of national debt is 5000 yuan, and each loan does not exceed 90% of the denomination of pledged national debt. Of course, if you get the written consent of your relatives and friends and show your valid identity documents at the same time, you can also apply for a pledge loan with your relatives' certificates of deposit, voucher-type government bonds and life insurance policies. Micro-credit loan: Credit is also wealth. Villagers Luan Changjun 1998 learned pig-raising technology from Shanghai and set up a pig-raising factory after returning to China. In the past few years, he has borrowed nearly 40,000 yuan from credit cooperatives five times, which solved the financial difficulties of buying piglets and building pig houses in the early days. Now Luan Changjun's pig farms have grown from 10 to more than 200. Recently, he built a row of modern pig farms at the head of the village, preparing to further expand the scale of breeding and combine pig raising with fish farming. Pig manure and used leftovers are used to raise fish, and his circular economy chain has attracted a large number of villagers to follow suit. Luan Changjun said: These are the blessings of micro-credit loans of credit cooperatives. Micro-credit loans for farmers refer to loans that rural credit cooperatives provide to farmers without mortgage or guarantee within the approved quota and period based on the reputation of farmers. At present, the loan amount generally does not exceed 50,000 yuan. This business has been widely welcomed by farmers since it was fully promoted in the whole country in 2002. To apply for micro-credit loans, farmers should first apply for loan certificates from local rural credit cooperatives. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding grade, and issue a loan certificate. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination. It should be noted that according to the current regulations, only loans for agricultural production costs such as planting and aquaculture are provided; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans. Major commercial banks also issue personal small short-term credit loans, but most of them are issued by banks to solve the temporary consumption needs of borrowers. The amount is generally less than 20,000 yuan, and the term does not exceed 1 year. Entrepreneurs should pay special attention to two points in the process of lending to banks: First, they must shop around. According to the regulations of the financial supervision department, banks can raise or lower the loan interest rate within a certain range when issuing commercial loans. For example, the loan interest rate of many local banks can rise by 30%. In fact, going to the bank for a loan is the same as going to the market to buy things. You have to pick and choose, shop around and choose good and cheap goods. Relatively speaking, the loan interest rate of state-owned commercial banks is low, but the procedures are strict. If your loan procedures are complete, you can compare the loan interest rates and other extra charges of various banks and choose a bank with low cost. The second answer is to choose the loan term reasonably. Bank loans are generally divided into short-term loans and medium-and long-term loans. The longer the loan term, the higher the interest rate. If entrepreneurs need to use funds for not too long, try to choose short-term loans. For example, they can borrow a loan once a year for two years, which can save interest expenses. In addition, venture financing should also pay attention to the trend of interest rates. If the interest rate trend is high, you should apply for a loan before raising interest rates, so that you can enjoy the low interest rate before raising interest rates that year; If the interest rate trend tends to decline, the loan will be suspended when the capital demand is not urgent, and it will be handled in due course after the interest rate is lowered.