- How to apply for a one-time start-up capital subsidy in downtown Fuyang? List of application guidelines First, the contractor departments County (city) District Youth League, Human Resources Bureau, Finance Bureau. Second, the telephone number of the Fuyang Municipal Committee 0710-3575972 Fucheng Youth League Committee 0710-3607305 Fancheng Youth League Committee 0710-3227664 Gaoxin Youth League Committee 3321180-8622 Ganzhou Youth League Committee 0710-2830342 Zaoyang Youth League Committee 0710-6245696 should ...
- If you want to return to your hometown to start a business, how can you manage the lack of funds? Can you borrow? What should I do if I return to my hometown for lack of funds? If several words are used to summarize the historical status of China in the past 100 years, the tide of migration must not be less. Far away from the east, take the west exit, near the north and deep into the market, now with the accelerating pace of urbanization, many people once again lifted...
- Student Loans in 2014: Please use the first loan of your life to avoid credit smears In August, the approval of college admissions will open up college careers. Many poverty-stricken Hanmen students plan to apply for a national student loan. At this time of the year, each district’s county funding center is concentrating on the acceptance of applications for students’ source loans.
- Marriage is the most important investment in life This article is based on 360 columnist Qiu Si’s original financial works. It represents only the author’s personal views and does not represent the official position of 360. Please contact the author for permission. A few days ago, He Jie, who had undergone marriage, participated in an emotional program. When talking about marriage, she could not help choking: Change...
- 5 channels teach you to get the first money for starting a business Premier Li Keqiang encourages entrepreneurship. The state gives entrepreneurs a lot of incentives from the policy level. In fact, in the long run, if China’s economy is to develop, if Chinese society wants to develop, it must pay attention to entrepreneurship. However, entrepreneurship is not impulsive, and young entrepreneurs need the most in addition to ideas...
Landing ventures want loans, how to get the first start-up capital in life?
Many younger brothers, even though they were relaxed after the debt had been landed, caused huge losses for the family. So many people have the idea of starting a business, the problem is that entrepreneurship is a good idea, but money is still the first business start! How can we convert the loans that have brought us to our own pain into the start-up support on our own wealth?
Unlike online microfinance loans, loans for large-scale venture capitals have another set of internal logic. Xiaobian today analyzed the loan knowledge for friends who want to start a loan business:
If you want to make a loan of 200,000 yuan to open a restaurant, then from the point of view of the loan's properties, it belongs to:Loans! Whether you borrow money from banks, financial institutions, or online platforms, how much you can borrow depends on how your personal qualifications are, Good credit quality can choose credit loans; poor qualifications, assets can also choose a mortgage loan.
Let's talk about mortgage loans:
Many people who do not understand the loan think that there are collaterals (property, cars, etc.) in the hands that can make money out of the bank, or cash out. This is a big misunderstanding. Modern banks are not pawn shops and banks always value The borrower's first repayment source!
Mortgages only serve as a guarantee measure that allows banks to reduce the probability of risk.In the eyes of the borrower, it's hard to break the jar, and the collateral is taken out. At the bank, a business from lending to the end of processing the collateral indicates that bad loans have already occurred. The bank's non-performing loan ratio will increase, the account manager will be blamed, and the branch will be embarrassing at the head office. And most banks are more cautious about borrowing investments because the risks are too unknown, especially for individual loans. So even if you have a car and a house to start a business with a bank loan, it's not too hard!
Recall credit loan:
Many credit lenders who have not used microloans often have misunderstandings. They have not owed any money. No disciplinary action is good credit. In fact, credit is also graded. If you want to borrow one or two thousand, as long as the credit information is good, it is easy to borrow on various kinds of APP. However, if you borrow more than 200,000, you must meet the following conditions: have a stable job and work Nature, good work unit, stable income proof, sufficient water flow, high income, good credit record, low debt ratio, etc. Credit loan is a comprehensive assessment, and borrowing money is not as simple as everyone thinks. This is especially true for large credit loans.
So if it is so difficult for the banks to borrow money, will they not continue their business and continue to carry it?
No, if you are full of confidence in your investment business and you are determined, consider ways:
If there are collaterals, the big banks may not transfer loans to small banks or financial lending companies. They compare several companies and choose according to their own needs.
If you take 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 find formal institutions. It is impossible to find a reliable financial intermediary to save a lot of trouble!
In addition, if it is considered that corporate registration and taxation costs are high and self-employed entrepreneurs are wanted, the subsequent operating cash requirements are not large, but they are frequent and chaotic. Although as a business owner, you have a good income, you can often spend credit card. However, because income is not stable and there is no work unit, banks often refuse to apply for a card due to risk considerations. So if you are a self-employed entrepreneur, how can you apply for a credit card quickly?
Provide sufficient card materials
Under normal circumstances, the information required for office workers to apply for a credit card includes:Personal identification, proof of work, and certain proof of property, including bank liquidity and wages.
Self-employed individuals who apply for a credit card can only provide proof of identity and property and cannot provide proof of work. This needs to prove that they have a stable source of income. The specific method can provide half a year's bank flow. In addition, you can also organize your own property certificates, including stocks, funds, financial products, etc. that you have invested in. You can even provide your own property, vehicle and other property certificates.
Apply for a business bank and select the appropriate card type
Applying for the same bank credit card to which your frequently used business account belongs can greatly increase the success rate. Some banks only need to submit a credit card application form and identification materials, and the asset certification bank will check and provide it on its own.
In addition, prior to applying for a card, as soon as possible, first deposit some funds at the bank to do so, which can also improve the probability and amount of card application. In this way, when the bank audits, it will automatically find out the deposits of the applicant in the bank, and it will classify you as a high-quality customer, so as to carry out the next card.
Try to apply at offline outlets
Nowadays, with the rapid development of the Internet, network cards are more convenient and faster, and you can apply for your favorite cards without leaving your home. However, because of the need to fill in a fixed unit work address when applying online, individual businesses cannot provide it accurately. The lack of an important basis for auditing depends on whether or not the card is successful. Therefore, when individual merchants are advised to apply for a credit card, they must select the nearest city network to apply, prepare the above materials, and increase the probability of approval.
Today's business-related loans are related to sharing. For those who have problems with loans during the startup period, you can leave a message in the comment area. Landing is not the end, raising the family to support a genius is the goal! I wish you all a prosperous business and ample financial resources.
【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email: email@example.com
- Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
- After graduating, how can I manage the lack of funds for further education and entrepreneurship?
- Low-income people How to get a loan
- I want to make a fortune, but I can't get back the money you borrowed!
- How to save loan costs efficiently
- Pay attention to "find your mouth" and solve your financial problem
- Practical tips: teach you how to successfully get a large loan
- How to successfully apply for a bank loan
- And on campus loans and chopping off, but also want to record?
- Cash Loan Platform Financing Channel Completely Blocked
- Why can't Alipay have an automatic teller machine?
- If everyone saves money into Alipay, WeChat consumes money, how does the bank
- What can I do if my online loan is really not available? Is there a phone number to change?
- There are several reasons why you can cancel your overdue record!
- Is it because of the frequent occurrence of online loans that kill people? Is this the reason for the low threshold?
- What is the state’s requirement for private lending companies, other than interest?
- The old man takes money at the bank, why the staff wants the old man to get it automatically
- What kind of p2p platform can pass the record?
- Need money to solve urgently How to apply for unsecured loans?
- Entrepreneurship is not easy How to prevent college student loans?
- What is a business personal loan?
- Nanchang Bank Starts Easy Loan
- What is a business personal loan?
- Qishang Bank Jinda Venture SME Loan
- If you want a loan, can you search?
- Bank of Nanjing Small Business Personal Guarantee Loan
- Self-employment may wish to use small micro loans
- What is women's entrepreneurial employment loan?