How do small business gain bank loans? Source: If you can scientifically choose a loan variety, you can get the bank's loan support, making personal entrepreneurs easier. Entrepreneurship loans: Mr. Liu from the affordable government and banks, from 2000, have been working on others after laid-off 2000, and the income is low, but also to watch the boss's face all day. Later, he had an idea of entrepreneurship. After a market survey and comprehensive measure, he decided to start a single apartment. He is ready to rent 3 old rooms near the labor market, transform and simply renovate, and then rent a single working personnel or foreign students. According to the budget, decoration, and purchase simple furniture is 30,000 yuan; the house is mainly prepared for 1 year room rent, and the 3 sets of houses need to pay 10,000 yuan, so the overall entrepreneurial starting fund is 40,000 yuan. Mr. Liu has always been good for the company. He basically has no family savings, so the 40,000 yuan is like a mountain. He once thought that the kingdom of a single apartment did make him move. On the occasion of hesitation, he asked a friend who was specializing in credit jobs in banks, and this friend recommended him a new business called the bank's initial loan. Under your friend's point, he made a mortgage with a self-living room, and the bank handed the entrepreneurial loan. After the loan got the hand, Mr. Liu found that this loan was not only simple, but also enjoy a 20% down interest rate. Relying on this entrepreneurial loan, Mr. Liu's single apartment quickly opened, and the business is very popular, deducting the loan interest and other expenses, and the monthly rent net income is around 2,000 yuan. Entrepreneurship loans refers to individuals who have certain production and operation or have been engaged in production and operation activities, and a special loan issued by bank recognizes effective guarantees by banks. Eligible borrowers, based on individual resource status and repayment capabilities, up to 500,000 yuan loan support; for entrepreneurship reaching a certain scale or a re-employment star, it can also propose higher amounts of loan applications. The period of entrepreneurial loans is generally 1 year, up to 3 years; in order to support laid-off employee entrepreneurship, some banks are appropriately lowered by the interest rate of entrepreneurial loans; many regional governments and banking departments jointly launched the launch of laid-off unemployed personnel Enjoy 60% of government award. Mortgage: The property rights of others, Mr. Zhao, was originally a factory driver. Last year, the unit was implemented, and he became an unemployed person after taking a compensation. At this time, the area where Mr. Zhao began to build a highway and civil engineering projects require a lot of engineering vehicles. Now most of the project contractors do not buy vehicles themselves, but through the vehicle owner's vehicle, then pay to the owner according to the workload Solve the way. After some investigation, Mr. Zhao felt that the buying carrier undertakes the civil engineering project is a very good way to make money, but the car needs a lot of money, a cheapest dump truck is not 80,000, and he There is only 20,000 yuan to buy a compensation for working age, so he has to help the bank. With the help of bank staff, he first optimized a 15-ton dump truck at the designated car distribution company, and made mortgages to purchase vehicles, and the bank signed a mortgage contract with a bank. Finally, after paying more than 20,000 yuan, he opened the new car back home and quickly undertakes the earthwork project. Today, Mr. Zhao hires a driver, working more than ten hours a day, with a monthly income reaches 8,000 yuan. Mortgage refers to the loans issued by the borrower or the third-person property according to the mortgage of the guarantee method.
