Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 50% government discount.
Second, mortgage loan.
At present, many personal loans handled by foreign banks, as long as the mortgage procedures meet the requirements, as long as the borrower does not violate the law, the bank does not ask about the purpose of the loan. For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. Borrowers who need to buy cars, trucks, buses, mini-cars and taxis can also apply for auto consumption loans, which generally do not exceed 80% of the purchase price, and the loan period does not exceed 5 years.
III. Loans pledged by certificates of deposit, government bonds and policies
In recent years, in order to market loans and improve efficiency, banks have continuously relaxed the requirements for loan collateral while considering loan risks. In addition to certificates of deposit, personal loans can also be easily obtained with certificates such as treasury bills and insurance company policies. 80% of the loanable deposit certificate amount of the pledged loan; 90% of the denomination of the national debt that can be loaned by the national debt pledge loan; The amount of the loan pledged by the insurance company shall not exceed 80% of the cash value of the policy at that time. The term of certificates of deposit and treasury bonds pledge loans shall not exceed the maturity date of pledged goods, and the term of personal policy pledge loans handled by banks shall not exceed the payment term of pledged policies. In addition, short-term and medium-term pledge loans can also be handled with bank-approved pledges such as self-owned vehicles, taxi operation warrants, and individual owners' booth warrants.
Four. Accounts receivable pledged loan
Accounts receivable pledge loan refers to the credit that a production enterprise applies to a bank with the accounts receivable formed by its sales as pledge. Accounts receivable used for pledge must meet certain conditions, such as the products under accounts receivable have been issued.
Accepted by the buyer; The buyer (the payer of accounts receivable) has strong financial strength and no bad credit record; The payer confirms the specific amount of accounts receivable and promises to pay only to the designated account opened by the seller in the loan bank; The due date of accounts receivable is earlier than the repayment date agreed in the loan contract. The pledge rate of accounts receivable is generally 60% to 80%, and the materials required by the applicant enterprises generally include the original sales contract, invoices, receipts, confirmation letters from the payer, commitment letters, etc. Other required information is the same as general working capital loans.
Verb (abbreviation of verb) online lending platform
Online lending platform occupies the microfinance market. Personal information is submitted through the online loan platform. With the consent of the lender, or the guarantee company applies for guarantee, the loan process can be directly reached online! You will have the opportunity to get a small loan of less than 654.38+10,000 yuan, with more convenient loan procedures and more favorable interest rates. At present, Fu Bao Platform in Tianjin has made 1 1,000-20,000 credit loans and more than 20,000 secured loans according to market demand. The transaction of the whole platform is p2p mode, that is, person to person, and the platform only provides services.