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Landing business want loans, how to win the first start-up funds in life?
After many of my elders went ashore, they relaxed their homes and caused huge losses to their families. So many people have the idea of doing business, the problem is that entrepreneurship is a good idea, but money is still the first hurdle to start a business! How to turn the loans that once gave them pain into the start-up aid on the road to their own wealth?
Different from the network of small cash loans, large-scale venture capital loans have another set of their own internal logic, Xiaobian today give friends who want to start a loan to resolve this type of loan knowledge:
If you want to lend a 200,000 yuan to open a restaurant, then the property from the loan point of view belongs to:A loan! Whether you borrow money from banks, financial institutions, or online platforms, how much can you borrow depends on your personal qualificationsGood qualifications can choose to credit loans; poor qualifications, there are assets you can choose a mortgage loan.
Let's talk about mortgage loans
Many people who do not know about loans think that having a mortgage in their hands (real estate, cars, etc.) can make money out of banks or make money. This is a big misunderstanding. Modern banks are not pawnshops. Banks always value The borrower's first source of repayment!
Mortgaging is only a measure of security for banks to reduce the risk probability.The borrower sees a big deal in breaking the cans and throwing the pledges off for disposal. At a bank where a loan is being processed from the loan to the end, it shows that bad loans have taken place. The bank's NPL ratio will increase, the account manager will be accountable, and the branch will be embarrassed at the head office. And most banks are more cautious about borrowing money because the risk is too much of an unknown, especially a loan. So even if a car has a room in the bank loans out of business, it is not too difficult!
Let's talk about credit loans:
Many credit lenders who have not borrowed through microfinance often have misunderstandings, they have not owed money, and no breach of discipline is good credit. In fact, credit is also graded, if you want to borrow one or two thousand, as long as the credit is good, in all kinds of APP is indeed very easy to borrow, but to borrow more than 200,000, you must meet the following conditions: a stable job and work Nature of the work unit is good; a stable income proof, and enough water, high income; credit records good, low debt ratio, credit rating is a comprehensive assessment of the loan, borrow money really we do not think so simple, This is especially true for large credit loans.
So bank borrowing money so hard, do not venture to continue paralyzed?
Nonetheless, if you are confident and confident about your investment career, consider the following:
With collateral, the big banks do not grant loans can switch to small banks or financial lending companies, more than a few, according to their own needs.
Take credit loans, you can choose to guarantee loans, you can also choose to apply for credit cards, or find a financial company. Loans must look for formal institutions, it is impossible to find a reliable financing intermediary can save a lot of trouble!
In addition, if you think the company registration and tax costs are high, want to do self-employed business, follow-up operational cash demand is not large, but frequent and messy. Although as a business entity, you have a good income, but also can often spend credit card. However, because of the unstable income and lack of work units, banks often refuse to apply for a card because of their risk. So if it is self-employed, how to quickly apply for a credit card?
Provide full application materials
Under normal circumstances, office workers apply for credit card information to be provided are:Personal identification, proof of employment and certain proof of property, including bank flow and wages.
Individuals apply for credit cards, only to provide proof of identity and property, can not provide proof of work. This needs to prove that they have a steady source of income, and that the specific method can provide half a year's bank flow. In addition, you can also organize your proof of property, including investment in stocks, funds, financial products and so on. You can even provide your own real estate, vehicles and other property certificates.
Apply for business bank, choose the appropriate card species
Applying for the same bank credit card that your frequently used business account belongs to can greatly improve your success rate. Some banks just need to submit a credit card application form and identification documents can be, proof of assets banks will query and provide.
In addition, as much as possible before the card in the bank card bank to deposit some funds on a regular basis, the same can increase the probability and amount Shenkaiguan. In this way, the bank audit, will automatically find the applicant in the bank deposits, will you as a good customer, in order to carry out the next card.
Try to go to offline outlets for applications
Nowadays the rapid development of the Internet, the network card is more convenient and fast, you can apply to your favorite card. However, because of the need to fill in the network application for a fixed unit of work address, and individual businesses can not accurately provide. Lack of an important basis for this review, under the card success or not based entirely on this. Therefore, it is recommended that individual businesses want to apply for a credit card, be sure to choose the nearest city outlets to apply, be prepared for the above materials, improve the batch card probability.
Today's business-related loans to share these, loans to start-ups have problems during the old man, you can comment in the comment area. Landing is not the end, raising a family life is a goal to genius! I wish all of you business is booming, rich sources of money.
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