The simplest thing is to use financial thinking to borrow10 million and let others repay your loan.
Let me talk about the investment made by a friend of mine in Zhengzhou. It's easy for them to have tea and chat in the office every day!
How did you do that? They investigated in Zhengzhou for three months, analyzed the data, and found that which district has a large population, houses are in short supply, and there are more business white-collar workers. They contacted the nearby second-hand housing agency and bought only one kind of house, with a single floor of more than 200 square meters or a second interview. The price was lower than the market price by more than 20%. Then, through financial thinking, I got a house under my own or relatives' and friends' names without spending money, made a decoration loan, and divided and refined the house. Every room is star-rated and rented to senior white-collar workers. The monthly rent of a house is 1 10,000-1 0.4 million, and the mortgage is about110,000. Two years later, each person 10 houses, which was worth more than10 million earlier. With the passage of time, the inflation rent will be higher and higher, and the mortgage will remain unchanged. N years later, no matter whether the house is rented out or the house loan is finally paid back.
Second, how to borrow 654.38 million yuan from China Construction Bank? What do individuals need?
Conditions for obtaining a loan of 654.38 million yuan from China Construction Bank:
1. The applicant must be at least 18 years old and not more than 60 years old, and have full capacity for civil conduct.
2. Have legal and valid identification.
3. The borrower and spouse meet the credit record conditions stipulated by the bank.
4. The borrower's qualification credit score meets the standard of large loan.
5. Stable income and strong strength. 6. The loan application is reasonable and clear.
7. Open a personal settlement account in the bank.
Personal requirements:
1, the applicant must be at least 2 years old and have civil capacity.
2. Applicants need to have good personal credit and no credit records such as malicious breach of contract and overdue payment.
3 to apply for a loan, the monthly income source is legal, and the loan principal and interest can be repaid on time.
4. The purpose of the loan cannot be illegal, and the proof of consumption can be produced when necessary.
5. Meet other conditions of the lending institution.
Baidu encyclopedia-unsecured personal loan
Third, without mortgage, how can I borrow 2 million from the bank?
Find a guarantee company to guarantee and then find a counter-guarantee company.
Fourth, how to borrow more than 2 million yuan?
There are still many ways to get a 2 million loan! However, there is still a certain starting point. Not everyone can get a loan of 2 million, even the previous regular loans can't be done. Some channels for sharing financial services are for your reference:
First, bank credit loans.
Pure credit and unsecured guarantee can also be used to borrow 2 million yuan, but the prerequisite is very important, that is, there must be a property with a value of100,000 or more.
Some banks can use pure credit loans, only need to show the original real estate license without mortgage, but the real estate value should be above 6,543,800+million, and the credit line should be 20% of the value of real estate assessment.
Many financial companies in the market promote 2 million yuan, but only say the second half of the sentence, ignoring the preconditions. In fact, they are all hooligans! Just fooling customers and attracting attention.
Second, the business license credit loan
Through business licenses and unsecured loans, some banks can borrow up to 3 million, such as Weizhong Bank; Some can borrow up to 5 million yuan, such as the Agricultural Bank; Some can borrow up to 2 million yuan, such as CCB Cloud Tax Loan.
Look, the amount is high, but the premise is equally important! The conditions are very harsh, and very few can meet this loan condition! Companies often require registration for more than 3 years, and some must be registered for more than 5 years. What is the flow of the bank in the past three years? What is the annual tax payment situation in the past three years? How many employees must pay social security and so on?
In fact, those who can meet these conditions at the same time are often relatively high-quality enterprises, and they often operate steadily and are not short of money. It is also printed with that sentence that people who need money can't get loans, and people with abundant funds often don't need loans.
Third, the combination of credit loans.
It is this bank that lends some, and that bank lends some. It is also possible to make up 2 million as a whole.
For example, a new loan from Ping An Bank can reach 500,000 yuan, another loan from Minsheng Bank is 6,543,800 yuan, and another loan from rural banks is 500,000 yuan, which adds up to 2 million yuan.
The starting point for the handling conditions of portfolio loans will be much lower, and ordinary "house slaves" legal entities can borrow, which is relatively easy to achieve.
Fourth, private lending between relatives and friends.
The mutual aid of funds between relatives and friends has certain economic strength, and you can borrow 2 million unsecured funds, depending entirely on personal relationships.
Dishes probably know these methods, and they are still relatively legal and reliable loan methods, but the loan conditions are very high, which is difficult for many individuals or enterprises to meet.
I once helped a friend with a loan of 1.4 million. As far as I know, the intermediary also claims that it can operate 2 million in this way. It feels awesome, but it's not mysterious. To put it bluntly, it's just bad news. How does it work? Let me talk about the inside.
At present, all banks basically have personal credit loan products. The upper limit of each bank is generally 500 thousand, and the upper limit of some major online direct selling banks is 300 thousand. In addition, some consumer finance companies also issue loan products, such as ant borrowing on Alipay, and the quota can also be 300,000. Therefore, as long as you borrow more, you can achieve your goal. Of course, the premise is good personal qualifications: first, good credit information, and second, good career, and high credit score in banks or consumer companies. So, can I apply for loans from several banks at the same time? Yes, you can. Because at present, banks basically require individuals to make no more than four inquiries in the last two months. If there is no problem with the credit investigation and the current debt is low (for example, the credit card is not overdue and the debt is low), then theoretically, you can apply for a credit loan from four banks. If the credit line can reach the upper limit of 500 thousand, then if all four companies apply successfully, they can reach the upper limit of 2 million. However, it is important to remember that you should apply at the same time. At that time, I helped my friend to complete the application in one day, which was on 17. At that time, some banks had to go to the offline signing center for face-to-face signing. Now many banks can apply online through online channels, which is faster and more convenient. At that time, I first applied for an Ann Bank for my friend, with an application of 500,000 and a loan of 440,000. A Zuishan Bank (direct selling bank) applied for 300,000 yuan and lent 300,000 yuan; An Anhao borrowed300,000 yuan; A bank in Guangdong applied for 500,000 yuan with a loan of 360,000 yuan. Face-to-face signing the day before, you can get the loan the next day.
This is to grasp the time difference between the bank's uploading personal inquiry information to the Credit Information Center of China People's Bank. Different banks upload to the Credit Information Center of the People's Bank of China at different times, some will upload it the next day after the inquiry, and some may upload it a week later, which gives us room for operation. Therefore, in order to strive for this time difference, it is necessary to apply for four banks or go to the gold platform at one time, which has the highest approval rate. Among them, the most important thing is to understand the general rules for different banks to upload credit reports. Intermediaries can explore the upload rules of different banks because they help people operate more.
However, with the improvement of regulatory requirements for reducing leverage, the risk control of banks is also strengthening, and many are blocking this time window. The success of the operation still has some luck. Although the intermediary does not rule out cooperation with the personal loan departments of some banks, it cannot guarantee the success of 100%. And the general intermediary fees are not low. Whether it is suitable or not depends on personal choice. However, no matter how high the success probability of this portfolio loan is, the premise is to safeguard the personal credit qualification, and you can't just inquire or authorize some platforms to inquire. After all, credit can be exchanged for money when needed!
It should be noted that this operation is tricky or flawed, and the purpose of the loan is definitely not the real consumption purpose, which is contrary to the bank contract and regulatory requirements. Although some banks actually acquiesce or even condone this operation, they are also facing great risks. For individuals, it is necessary to keep in mind that the loan is cold for a while and it is difficult to repay! Once the payment is not made, it will be overdue, and the credit will be stained and will not be paid for a long time. Not only will you be on the list of untrustworthy people, but you will even be investigated for criminal responsibility and jailed. Although moderate debt can expand assets, excessive debt may crush life, so keep reasonable debt to enjoy life!
Corporate loans, up to 3 million in a single transaction, can be approved in multiple transactions. The requirements are that the business license has been completed for two years, the annual tax payment is more than 20 thousand, and the enterprise tax level is above C.
If you have a 10 credit card, 2 million to 3 million can do it completely, and there is no collateral! !
65,438+00 credit card is easy to handle. If the credit standing of each card is 60,000 (which can be used to upgrade credit cards), then the 10 card is 600,000. Behind the 600,000 credit cards, there are 3-5 times of credit cards, adding up to 2.4-3.6 million, and there is no collateral. Therefore, you must use and keep your credit card well at ordinary times, and you will know the benefits of credit card when you use it at a critical moment! ! Remember that credit card is the most convenient and efficient financing method/tool.
Welcome to exchange and discuss knowledge about finance and business! I learned this before 10, and also helped many real economy bosses around me solve the financing problem. Maybe it will inspire or help you! !
How can I get more than 2 million credit loans? First, it must be feasible.
The premise is that your credit information is good. What a good method! Low debt ratio, no overdue, few inquiries within half a year, long credit record.
Secondly, we must have certain assets, such as RV, insurance policy, social security accumulation fund, preferably corporate legal person or shareholder!
To meet the above conditions, the credit loan of 2 million is not a big problem, but it needs the reasonable planning of professional financial lenders.
There are two ways to choose!
First, enterprises that have been in business for 2 years and have paid taxes can make corporate tax loans. First, it can be carried out by multiple banks at the same time, but the order is particular. The maximum amount of a single bank is 3 million. The more enterprises pay taxes, the lower their debts, the higher their amount and the lower their interest.
Second: personal credit loans can be made through mortgage of houses, full houses, automobiles, life insurance policies and social security accumulation funds. The loan channels are banks, consumer finance, credit guarantee institutions and small loan institutions in turn, with the amount from high to low and the interest from low to high. The amount and interest depend on your own asset value and credit information. The maximum amount of a single pen is 500 thousand. It needs a reasonable combination to achieve the expected quota.
The most important thing is to make a plan, which has many details to pay attention to. It is impossible for people who are not engaged in this industry to borrow money by themselves. Professionals need to make detailed plans.
However, if the loan is 2 million yuan, it is impossible to apply for corporate tax loans, and it is not recommended to obtain loans through credit loans. Although the credit loan can reach the desired amount through reasonable combination, the general credit loan has high interest and short repayment period, generally 3-5 years. So in terms of repayment, the monthly payment is high and the interest is high. Besides tax loans, the best way is real estate mortgage loans. Low interest, long service life and more diversified repayment methods. This is also good for capital liquidity.
Welcome everyone to leave a message and pay attention actively, and bring more value to everyone. Thank you!
For enterprise tax loans, as long as the enterprise has been established for more than two years, the annual tax payment is more than 1 10,000, the tax payment level is above C, and the credit information of the legal person is good. Pure online pure credit without face-to-face signing.
For one year, you can still borrow hundreds of thousands! Two years earlier, 2 million yuan can also be used as bank credit, credit card and financial institution! It's harder now.
Punch pay is above 4700, with social security and provident fund. It's easy to get12 million, and it's all bank money.
Your idea is more reliable than buying lottery tickets.
It's very simple. The maximum credit is 500,000, that is to say, one relaxation institution and five institutions will do. The way I can help you.