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How do you get the first start-up capital in your life?
After many old brothers landed on their debts, although they were relaxed, they caused huge losses to the family. So many people have the idea of starting a business and doing business. The problem is that entrepreneurship is a good idea, but money is still the first hurdle for entrepreneurship! How to transform the loan that has brought pain to you into the driving force of your own wealth?
Unlike online small-scale cash loans, loans for large-scale ventures have another set of internal logic. Xiaobian today analyzes such loan knowledge for friends who want to start a loan:
If you want to borrow a 200,000 yuan to open a restaurant, then from the nature of the loan:Personal loan! Whether you borrow money from a bank, financial institution, or online platform, how much money you can borrow depends on your personal qualifications.Good qualifications can choose credit loans; qualifications are not good, and assets can also choose mortgage loans.
Let me talk about mortgages first:
Many people who don't understand the loan think that they can get money from the bank with collateral (real estate, car, etc.), or realize the money. This is a big mistake. Modern banks are not pawn shops. Banks always value them. The source of the borrower's first repayment!
Mortgage is only a guarantee to let banks reduce the probability of risk.In the eyes of the borrower, it is impossible to break the can, and the collateral is taken to the disposal. At the bank, a business from the release of the loan to the final processing of the collateral shows that the non-performing loan has already occurred. The bank's non-performing loan ratio will increase, the account manager will be held accountable, and the branch will be embarrassed at the head office. And most banks are more cautious about borrowing because the risk is too unknown, especially for personal loans. So even if there is a car with a house loaned out of the bank to start a business, it is not too difficult!
Let’s talk about credit loans:
Many credit lenders who have not borrowed microloans often have misunderstandings, have not owed money, and have no credit violations. In fact, credit is also graded. If you want to borrow one or two thousand, as long as the credit is good, it is really easy to borrow on various APPs. However, if you borrow more than 200,000, you must meet the following conditions: Have a stable job and work. The nature and work unit are good; there is a stable income certificate, and the flow is sufficient, the income is high; the credit record is good, the debt ratio is low, etc. The credit loan is a comprehensive evaluation. The borrowing is really not as simple as everyone thinks. This is especially true for large credit loans.
Then, if the bank borrows money so hard, don’t you start your business and continue to squat?
No, if you are confident in your own investment and are determined, consider the following:
If there is collateral, the big banks can not transfer loans to small banks or financial loan companies, and compare them to a few, depending on their needs.
If you are taking a credit loan, you can choose a secured loan, or you can choose to apply for a credit card or find a financial company. Loans must be looking for a formal institution, and it is really impossible to find a reliable financing intermediary to save a lot of trouble!
In addition, if you feel that the company registration and tax costs are high, you want to be a self-employed entrepreneur, the subsequent operating cash demand is not small, but frequent and messy. Although you have a good income as a business owner, you can often spend your credit card. However, because income is unstable and there is no work unit, banks often refuse to apply for a card for risk reasons. So if you are a self-employed entrepreneur, how to apply for a credit card quickly?
Provide sufficient application materials
Under normal circumstances, the information that office workers need to provide for credit card is:Personal identification, work certificate and certain property certificates, including bank flow and salary.
However, if a self-employed person applies for a credit card, he or she can only provide proof of identity and property certificate, and cannot provide proof of work. This requires proof that they have a stable source of income, and the specific method can provide bank water for half a year. In addition, you can also sort out your own property certificates, including the stocks, funds, wealth management products and so on. You can even provide your own property, vehicle and other property certificates.
Apply for a business bank and choose the right card
Applying for the same bank credit card to which the business account you use frequently can increase the success rate. Some banks only need to submit credit card application forms and identification materials, and the assets certification bank will check and provide them.
In addition, as early as possible before the application of the card in the card bank to deposit some funds, can also increase the probability and quota of the card. In this way, when the bank audits, it will automatically find the applicant's deposit in the bank, and will list you as a quality customer, so as to carry out the card.
Try to go to the offline outlets to apply
Nowadays, the Internet is developing rapidly, and the network card is convenient and fast. You can apply for your favorite card without leaving your home. However, because the network application requires a fixed unit work address, the individual merchant cannot provide it accurately. The lack of this important review basis, the success of the card is all here. Therefore, it is recommended that when you want to apply for a credit card, please be sure to select the nearest outlet in your city to apply, prepare the above materials, and increase the probability of approval.
Today's business-related loans are shared, and those who have problems with the loan during the startup period can leave a message in the comment area. Going to shore is not the end, raising a family to support a genius is the goal! I wish you all a prosperous business and a wealth of money.
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