Relatives are there.
2. 1000 yuan, what is the interest for one-time deposit for three months?
1000 1.7 1%3/ 12=4.28
Third, you can borrow 500 to 1000 yuan.
You can borrow 500 to 1000 yuan:
Songqing e Dai
There are many application channels. You can apply in Yin Bei Consumer Finance APP, pay attention to the official account of Yin Beibei WeChat, and download Jingdong Finance-to borrow money. The better the personal qualification, the lower the interest rate and the lower the application threshold. You need to be between 20 and 50 years old and have a stable job or income.
JD.COM baitiao
Divided into fixed lines, temporary lines, special lines, etc. The borrower is required to be 18~55 years old, with a maximum of 24 installments, and the other installments are 3, 6, 12, etc. And enjoy an interest-free period of up to 30 days.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.
4. How about the interest-free loan of Agricultural Bank?
You can apply for a commercial loan from the bank. Venture loan is a kind of bank loan business, which is mainly aimed at individuals who have certain production and operation ability or are engaged in production and operation activities. They apply for start-up or restart funds and get loans after being confirmed as effective guarantees by banks. Eligible lenders can get a single loan of up to 500,000 yuan according to their personal situation and repayment ability; If the business reaches a certain scale, you can apply for a higher loan. The term of venture loans is generally one year, and the longest is not more than three years. In addition, in order to support laid-off workers to start businesses, some regions also have some relevant policies to support them, such as lowering interest rates and allowing laid-off workers to enjoy 60% preferential government commercial loans. With the state's support for individual entrepreneurship, future entrepreneurial loans will receive more preferential policies. Basic conditions for applying for business start-up loans
1. Identification and business premises The loan applicant must have legal and valid identification, proof of legal residence at the place where the loan bank is located, and a fixed residence or business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2. The funds prove that the loan applicant's investment projects require certain self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
3. Settlement Account The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
4. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc., and provide some information such as their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credit integrity of the loan and facilitate the smooth acquisition of the loan. Three points for attention in applying for venture loan 1. Correctly understand entrepreneurship, if entrepreneurs only have business plans, without specific business premises and approval documents, banks will not provide business loans. There are also some personal consumption loans to be distinguished from entrepreneurial loans, which are generally not supported by banks. 2. The change of bank interest rate should be understood as that according to the regulations of financial supervision department, banks can raise or lower the loan interest rate within a certain range when issuing commercial loans. For example, the loan interest rate of many local banks can rise by 30%. Relatively speaking, the loan interest rate of state-owned commercial banks is low, but the procedures are strict. If your loan procedures are complete, you can compare the loan interest rates and other extra charges of various banks and choose a bank with low cost. 3. Reasonable selection of loan term Bank loans are generally divided into short-term loans and medium-and long-term loans. The longer the loan term, the higher the interest rate. If entrepreneurs don't spend too long, try to choose short-term loans. For example, they can borrow a loan once a year for two years, which can save interest expenses. In addition, venture financing should also pay attention to the trend of interest rates. If the interest rate trend is high, you should apply for a loan before raising interest rates, so that you can enjoy the low interest rate before raising interest rates that year; If the interest rate trend tends to decline, the loan will be suspended when the capital demand is not urgent, and it will be handled in due course after the interest rate is lowered. At present, there are China Industrial and Commercial Bank, China Bank, China Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industrial Bank and Bank of Communications. Have launched personal business loans. For example, the personal venture loan launched by Qingdao Branch of Agricultural Bank of China is aimed at specific subjects such as individual industrial and commercial households, investors of sole proprietorship enterprises, and partners of individual partnerships, and is mainly used for their entrepreneurial operations to purchase or lease shops, purchase machinery and equipment, and purchase raw materials. The following are the details of four banks that provide personal business loans. 1. China Industrial and Commercial Bank has always been strict in handling loan business, and it is difficult to pass the examination and approval if the individual application materials are incomplete. See table 1 for details. 2. Bank of Communications Venture Loan Business Bank of Communications' venture loan is relatively easier to apply for and the interest rate is lower than ICBC's. See Table 2 for details. 3. Shenzhen Development Bank's "Chuangyebao" personal exhibition loan "Chuangyebao" personal exhibition loan is a RMB loan issued by Shenzhen Development Bank to individuals for the capital needs of the lender's production and business activities. Loan term: generally not more than three years, of which the longest working capital loan is not more than one year. Loan interest rate: The loan interest rate shall rise appropriately with reference to the loan interest rate of the same level of working capital of Shenzhen Development Bank in the same period, and the fluctuation range shall be implemented in accordance with the regulations of the People's Bank of China on the fluctuation of loan interest rate for small and medium-sized enterprises. Loan amount: the minimum loan amount is 20,000 yuan and the maximum loan amount is 8 million yuan. 4. Loan conditions for personal investment and operation loans of China Bank: To apply for personal investment and operation loans, the lender must meet the following basic conditions: having permanent residence in cities and towns or valid residence status; No bad social credit record and good credit; Open a general deposit account with China Bank; The market prospect of operating products is good and the economic benefits are good; It is in good operating and financial condition; Can provide effective guarantee recognized by the lender. Loan amount: the starting point of the loan is 30,000 yuan, and the maximum is 654.38+million yuan. Loan term: no more than three years. Loan interest rate: The fixed interest rate of the same grade of the People's Bank of China shall be implemented, and it shall rise appropriately. General procedures for applying for commercial loans 1. Preparation materials These materials include identity certificates, marital status certificates, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. 2. Fill in the applicant's business plan (or loan project book) and put forward the demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for an "application for business loan". 3. After obtaining the recommendation organization to organize experts or relevant personnel to demonstrate the application project, if they meet the conditions of the opening loan, they should sign the recommendation in the recommendation column of the Application for Opening Loan; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. 4. Identity confirmation The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account for Loan.
5. The bank accepts the "Application for Opening a Loan Account" signed by the applicant with recommendation opinions and identity confirmation opinions, submits the loan application to the designated bank acceptance point, and provides relevant materials.
6. The loan audit bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of the Application for Opening an Account for Loan, and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions.
7. After receiving the loan guarantee opinions, the accepting bank can handle the lender's personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days. There are generally two repayment methods for venture loans. One way is that if the loan term is within one year (including one year), the principal and interest will be repaid at maturity, and the income will be paid off with the principal; The other is a loan with a loan term of more than one year. The repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. Matching principal and interest repayment method refers to the repayment of the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the company's income and expenditure can be controlled in a planned way, and it is also convenient for the company to determine its repayment ability according to its own income. Average capital repayment method average capital repayment method is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, at the beginning, due to the large amount of principal, more interest will be paid, so that the initial repayment amount is more, and then it will be reduced every month. This method is more suitable for individual entrepreneurs with strong repayment ability and certain financial strength. What are the difficulties in applying for a venture loan? First of all, the general bank's venture loan needs to be mortgaged, and the loan amount is determined according to the specific guarantee method. After all, banks are commercial organizations, and the first consideration in granting loans is the safety of funds. In contrast, most entrepreneurs have no guarantee or insufficient guarantee, and financial institutions can't issue loans to them, thus forming a very embarrassing situation for both sides; Secondly, if there is no real estate such as real estate as collateral, banks generally require a guarantor, which makes many entrepreneurs discouraged. After all, the business of venture loan itself has certain risks, so even if you find a qualified guarantor, you may not be willing to make a guarantee, which is undoubtedly another difficulty of venture loan. How to improve the success rate of applying for 1 Banks that lend preferential credit generally favor lawyers, doctors, civil servants, employees of public institutions and people in the financial industry. These people are listed as preferential targets for credit loans. If there is such a relative, it is easier for them to apply for a loan in his name. 2. Choose industries with good development prospects and consider industries with good operating efficiency and large business scope encouraged by some countries, so that it is easier to obtain bank loan support. 3. Find a professional guarantee company If you really need funds urgently and lack collateral that meets the requirements of the bank, you can consider finding a professional guarantee company. However, it will cost the guarantee company a lot of money. According to the relevant regulations, the guarantee company will charge the lender no more than 50% of the bank loan interest in the same period, and some companies will also charge some risk compensation in other names.