Personal venture loan refers to a special short-term loan that has certain production and operation ability and needs to apply for funds from the bank to provide effective guarantee and is approved by the bank. The scope of application of personal business loans is relatively wide. Individuals and individual industrial and commercial households can apply for personal business loans as long as they can provide the guarantee methods stipulated by the bank.
A description of the loan interest rate, loan amount and loan term of the individual venture loan.
Personal business loans shall be subject to the fixed loan interest rate stipulated by the People's Bank of China, and the bank may appropriately adjust the interest rate within the prescribed range as appropriate; The loan amount generally does not exceed 70% of the funds required for the borrower to purchase small equipment and normal production and business activities; The loan term is generally not more than 3 years, of which the loan term for working capital loans for production and operation is not more than 1 year.
Need a loan badly? The loan method of personal venture loan
(a) directly apply for personal business loans.
You can apply for personal business loans directly from the bank. As long as the guarantee method meets the requirements of the bank, you can apply for a loan. In order to support laid-off workers' self-employment, the loan interest rate can be lowered by 20% according to the same level interest rate stipulated by the People's Bank of China, and laid-off workers in some areas can enjoy 60% preferential treatment from the government when they start their own businesses again.
(2) Apply for mortgage or pledge loan:
Mortgage loan is a loan issued by a bank to a borrower with the property of the borrower or a third party as collateral. At present, banks mainly carry out housing mortgage loans and automobile mortgage, and the amount of mortgage loans generally does not exceed 70% of the assessed value of collateral. 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.
Need a loan badly? Unsecured and unsecured loans, Chang Xintai is the first choice, formal companies, banks cooperate, and lending is trustworthy.
Pledged loans are personal loans pledged by credit resources such as certificates of deposit, treasury bills, insurance policies and personal credit. Now, certificates of deposit are widely used. The pledge rate of each bank is different, some banks are 80% of the face value of certificates of deposit, and some banks are 90%. Lenders can shop around and choose the most suitable bank to pledge loans.