Information > Ordinary article > Raiders channel > Venture loans >  text

Landing business want loans, how to win the first start-up funds in life?

Time: 2018-01-12         Source: Xiaomeng purse         Author: Xiao-meng wallet

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.

【Exclusive Articles and Disclaimer】 Any work that is marked "Melt 360 Original", without the written authorization of Melting 360, shall not be reproduced, excerpted or used in any other way by any of the above works. Have been authorized in writing, indicate the source of financial 360. Anyone who violates the above statement and infringes upon the legitimate rights and interests of Rong 360 will be investigated for legal liability according to law. Materials and conclusions in the works are for reference only and do not constitute operational recommendations. For written authorization, please email: academy@rong360.com

Comment lists (User reviews only users to express their opinion, does not mean that this site agree with their views or confirm their description)
you may also like
  • Xiangyang start a one-time start-up capital subsidies how to handle? Application Guide List  First, the contractor departments counties (cities) District Youth League, Human Resources and Social Council, Finance Bureau. Second, the telephone number Xiangyang Mission 0710-3575972 League City Committee 0710-3607305 Fancheng Youth League 0710-3227664 Hi-tech Youth League 3321180-8622 League Committee 0710-2830342 Zaoyang 0710-6245696 should ...
  • Want to return home business lack of funds how to do, can loans?  Return home business lack of funds, what to do? If you use a few words to sum up the history of China in the past century, the number of migration treasures must not be less. Far into the East, take the west exit, near the north wide into the market flow, and now with the acceleration of urbanization around the world, many people once again lift ...
  • Student Loan 2014: Please make good use of your first loan to avoid credit blemishes  Into August, a group of prospective college students will receive a letter of acceptance will open college learning career. Many disadvantaged poor students plan to apply for a national student loan. This time of year each year, it is the stage where all districts and counties 'aid centers concentrate on accepting students' loan applications.
  • Marriage is the most important investment in life  This article is a series of 360 columnist Qiu Si said Choi original works, representing only the author's personal point of view, does not mean the financial 360 official position, reprinted, please contact the author authorized. A few days ago, suffered a wedding of He Jie participated in an emotional show, when it comes to marriage, she could not help but choked: change ...
  • 5 channels teach you get the first money  In his opinion, Premier Li Keqiang encouraged entrepreneurship. The government gave many concessions to entrepreneurs from the policy level. In the long run, in order to develop China's economy, Chinese society must take entrepreneurial business seriously if it wants to develop. However, business is not an impulse, young people most in addition to business ideas ...