Entrepreneur: Liu Min
Capital demand: It's almost a year since I graduated from graduate school, and I finally can't stand the pain of finding a job. I decided to give full play to my professional expertise and start my own design company. But I need about 50,000 yuan of start-up capital, but I have no savings or real estate. My parents are civil servants and have their own property. Can I apply for a business loan in their capacity?
Loan scheme: with the help of parents, guarantee loans.
Application difficulty: ★★★★★
Frankly speaking, although some commercial banks have launched unsecured personal venture loans, many commercial banks will give different scores according to their customers' age, marriage, occupation, past credit, personal and family property status, etc. For risk control. For young graduates with incomplete credit files, there will not be much advantage in scores. Banking experts suggest that since Mr. Liu's parents have a stable income, this should be regarded as a good credit resource. Mr. Liu Can is considering using his parents' real estate, certificates of deposit, securities or insurance policies to handle mortgage or pledge loans. However, it is worth noting that banks are very cautious in issuing such loans at present. In order to avoid risks, the approval process for lending such products is cumbersome and lengthy.
In addition to considering using real estate as collateral, some banks have also launched guarantee business. For example, if a natural person of Shanghai Pudong Development Bank guarantees a loan, you can find a qualified natural person to guarantee the lender without using real estate mortgage. This way is more suitable for college students who have just left school.
Cost abacus:
It is understood that due to the tight credit policy, it is difficult for banks to enjoy the preferential interest rate of individual housing mortgage loans, but to implement the benchmark interest rate of the central bank. At present, the benchmark interest rate for one-year loans is 7.47%. In addition, generally speaking, the lender also needs to pay fees such as lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property appraisal fee.
Entrepreneur: Wu Qiong
Capital demand: After graduating from college last year, I worked in a public institution, but I was not busy with my work, but my income was not high. If you want to open a clothing store with your husband, the initial investment is about 65,438+10,000 yuan, but after our rent is collected, the money should be paid back soon.
Loan scheme: minimum "threshold" pawn loan
Application difficulty: ★
The situation in Wu Qiong is a typical "emergency" loan, and pawn loan is the most suitable way. Although compared with bank loans, the cost of pawn loans is high and the loan scale is small, but pawn loans have their own unique advantages, that is, they are fast and can even be handled immediately. Moreover, the pawnshop has almost zero credit requirements for customers, which can save complicated authentication procedures. In addition, when a customer borrows money from a bank, the purpose of the loan cannot exceed the scope stipulated by the bank. Pawnshops don't ask about the purpose of loans, so they are very free to use them.
The relevant person in charge of Huaxia Pawnshop introduced that taking real estate pawn as an example, as long as the real estate license and land certificate are complete, the staff can evaluate the house after seeing the house, and the loan is very convenient. In addition, the capital can be "replaced" with assets such as securities, motor vehicles, watches, jewelry, jade, antiques, calligraphy and painting (the value of which is higher than that of 300 yuan), which is difficult for banks to do.
Cost abacus:
However, compared with bank loans, the cost of pawn is much more expensive. At present, many pawn shops in Beijing are implementing real estate mortgage loans with a monthly interest rate of 3.2%. Converted, the annual interest rate is above 30%, so pawn loans are not suitable for long-term financing.
Entrepreneur: Wang Jingyun
Capital demand: I have been working for half a year, and I can't use enough money no matter how hard I work. Seeing that my friend's online shop is running so well, I really want to have my own online shop. Although the investment requirements for opening a shop online are not high, I, a "moonlight family", still have no money. I thought about withdrawing cash by credit card, but the handling fee was too high.
Loan plan: unsecured loans to revitalize your funds.
Application difficulty: ★★
Is there a loan that doesn't need guarantee or mortgage? The answer is yes. With a good credit record, you can also borrow money. At present, some foreign banks have introduced this kind of loan, which is very popular abroad, into China.
The outstanding advantage of this kind of products is that the threshold is low and no guarantee or mortgage is needed. Take the unsecured personal loan products of Standard Chartered Bank as an example. As long as the applicant has a stable job and income, has worked in the current unit for three months and earned more than 3,000 yuan a month before tax, he can get the loan with personal credit. Compared with credit card loans, credit loans are more flexible and more in line with the consumption trend of modern society. It is not restricted by the uniqueness of the use of mortgage and car loan, nor is it restricted by the designated special merchants of credit cards. China's similar business also includes Citibank's "Happy Hour Loan".
Cost abacus:
Several banks offering this service have different interest rate standards. For example, Citigroup's "Happiness Loan" fluctuates around 15% based on the annual interest rate of 8.8%, that is, it fluctuates between 7.48%- 10. 12%. Standard Chartered Bank's "Cash Lending School" stipulates that if the loan amount is more than 20,000 yuan, the repayment period is 6 months and 1 year, and the annual interest rate is 7.9%. In addition, the applicant also needs to calculate the management fee of 0.49% of the total monthly loan.
As the saying goes: it is difficult to start a business, and it is even harder to keep it. After solving the problem of start-up capital, many entrepreneurs are faced with greater capital demand with the development of the company and the expansion of business. The continuous expansion of the entrepreneurial army has also made more banks and intermediaries see the huge demand for loan business. In the second part of the venture loan, we will introduce in detail how to apply for a venture loan after starting a business.
Tell the truth about the banking rules.
What are the main aspects of banks' credit inspection of small and medium-sized enterprises?
1. Bank credit: including settlement credit and loan credit. Settlement credit refers to the normal cash settlement of the enterprise applying for a loan, and there are no bad records such as violation of settlement discipline, refund, bill refund and fine. Loan credit means that the enterprise applying for a loan has a good willingness to repay, has borrowed from the bank, and has no insolvency such as loans overdue and interest default.
2. Commercial credit: It includes that the enterprise applying for a loan can abide by the promise of the merchant in the performance of the contract and the settlement of accounts payable and debts, and will not break its promise.
3. Financial credit: accounting settlement is standardized, accounting statements are true, assets are true, and there is no cash withdrawal or other fraud.
4. Tax credit: the enterprise can pay the tax payable on time, and there is no bad record such as tax evasion. The above are the four principles for banks to inspect the creditworthiness of borrowing enterprises.
Operators' Countermeasures for Dismantling and Dismantling
How to obtain financing loans more conveniently?
In the interview, the reporter learned that, on the one hand, many banks, considering the loan risks and capital gains, are very strict in examining the loan qualifications of small and medium-sized enterprises, requiring loan applicants to provide various certificates and supporting materials, which has caused many applicants to "want to borrow but not get the money". On the other hand, we found that if you can make some preparations in advance, it may be much easier to apply for a loan.
1. Do a good job of consulting before application. Generally speaking, banks will clarify the qualifications of loan applicants. Before submitting a loan application, please be sure to see if you are a "non-loan type".
2. After the loan arrives, you should repay it on time, be honest and trustworthy, and establish a good credit relationship with the bank.
3. Before the loan, we must first calculate the profit rate and repayment ability of the enterprise, and put forward the loan amount application and loan term according to the capital demand. Generally speaking, the initial loan amount should not be too large as far as possible, otherwise it may cause "refusal to lend".
Borrowing Strategies of Field Investigation
Latest search
China Postal Savings Bank's Personal Business Loan of "Good Borrowing and Good Repayment"
Suitable for people: small business operators with less capital demand and higher requirements for capital flexibility.
Product advantages: low audit threshold, high flexibility, simple handling, quick receipt of funds, and free of charge throughout the process.
Product service target is qualified: 1. Individual industrial and commercial households and small business owners in Beijing who are engaged in long-term business, have stable income sources and good repayment willingness. 2 business entities (shops or enterprises) have business licenses issued by the industrial and commercial departments and have been operating normally for more than one year. They can provide personal property mortgage.
Maximum loan amount: the maximum mortgage of real estate can reach 6,543,800 yuan.
Term of loan: If personal property is used as collateral, the validity period of the line is 5 years, and the longest term of each loan under the line is 24 months.
Loan interest rate: if personal property is mortgaged, the loan interest rate is 9.828%; A single loan adopts a fixed interest rate, and the interest rate is not adjusted during the loan period.
Repayment method: equal principal and interest repayment, equal principal and interest repayment in installments. For loans within 3 months, you can choose to repay the principal and interest in one lump sum at maturity. In addition, there is no need to pay for prepayment.
Time for loan approval: when applying for a loan for the first time, you can get the funds within 3 days after the housing management department completes the mortgage registration certificate (the processing time varies from 1 working day to 30 working days according to different districts and counties). During the five-year quota period, when you apply for a loan again, you can get the funds within 3 working days, which is very convenient.
How to handle it: At present, it can only be handled through China Postal Savings Fuchengmen Sub-branch and Weigongcun Sub-branch, and it will be opened in Chengba District in July.
Reporter's comment: In the interview, we learned that although many banks have launched loans for small and medium-sized enterprises, the examination and approval procedures are often cumbersome and time-consuming, and the qualifications of lenders are very high, which makes many small and medium-sized enterprises that are in development and in urgent need of financial support far behind. This product launched by the Postal Savings Office should be said to be a loan product with short approval time and convenient handling in the market. For real estate appraisal, the lender does not charge. Moreover, the products that are easy to borrow and return are very flexible. Lenders can sign a loan agreement with the Postal Savings Office in advance, and when they need money urgently, the borrowed money can be credited to their accounts within three days, which just solves the sudden capital demand of many lenders and truly achieves "normal lending and timely withdrawal".
Operator's voice: Miss Xu, self-employed clothing operator.
I went to two other banks before the Postal Savings Office applied for a loan. One bank told me directly that they were unwilling to accept my small business, and another bank had not finished the formalities for two months. Later, I came across this loan business when I was saving money in the postal savings office. I think it is very suitable for a small boss like me, and the funds needed are generally between 200,000 and 600,000. I signed a loan agreement of 1 month, and was in urgent need of liquidity, so I applied to the postal savings office for withdrawal, and the funds arrived the next day, which should be said to be very convenient.
Standard Chartered Bank's "Unsecured Small Loan for SMEs"
Product highlights: unsecured microfinance
Maximum loan amount: up to 500,000 yuan, and the loan period can be as long as 36 months.
Qualification of product service target: At present, the scheme allows enterprises registered in Shanghai, Shenzhen, Beijing, Tianjin and Guangzhou to apply, and Chinese-funded enterprises with stable operation for more than two years can apply. Recently, the business has also been launched in Suzhou, Hangzhou, Nanjing and other cities, and will continue to expand the scope of handling cities.
Reporter's comment: Because this product adopts the method of monthly installment repayment, it reduces the financial pressure of the enterprise to repay the principal at one time and facilitates the capital turnover of the enterprise.
"Exhibition Loan" of Shenzhen Development Bank
Suitable for the crowd: this business requires that individual borrowers and operating enterprises should have certain relevant experience, the annual sales amount of enterprises as borrowers must reach a certain scale, and the borrowers and operating enterprises have good credit records.
Product highlights: saving interest and easy to use.
Maximum loan amount: The maximum loan amount can reach 6.5438+0.5 million yuan, which can be issued under the bank revolving loan amount, which can be repaid with the loan and recycled. When not in use, the bank does not charge interest, which can better solve the irregular demand for funds for the development of small and medium-sized enterprises.
Qualification of product service object: Compared with previous bank loans and SME loans in corporate loans, this personal loan product emphasizes standardization, and the application conditions and mortgage scope are obviously relaxed compared with corporate loans, which is convenient to handle and quick to approve. In addition to accepting houses as collateral, loans also accept office buildings, villas, commercial and residential dual-use houses, street shops on the first floor, standardized factories and so on.
Reporter's comment: Because the bank combines the exhibition loan with the interest-bearing mortgage products such as balloon loan, biweekly loan and deposit loan, it has achieved the purpose of greatly reducing interest expenses and saving financing costs.
Shanghai Pudong Development Bank's "SME Loan for Venture Capital Operation"
Product Highlights: Joint venture capital helps SMEs for the first time.
Suitable for people: suitable for loan applicants with comprehensive capital needs. According to the specific requirements of customers, the bank will provide corresponding customized comprehensive financial services, providing a variety of financial services covering fund establishment consultation, tax consultation, cash management, project supervision, financing arrangement, exit service and so on. In the stage of project pre-selection, evaluation and decision-making, project management and investment realization of venture capital fund.
Reporter's comment: Banks not only indirectly support small and medium-sized enterprises through loans to venture capital companies, but also reduce the risk of bank credit funds through the specialized operation of venture capital companies. You can also increase bank deposits through custody services.