The principle of how to obtain start-up capital

There are many ways to choose and raise a venture loan, such as mortgage, pledge, guarantee and other forms of loan, for each kind of loan must follow some rules. First, how to choose personal start-up loans to start their own company to face the financial problem. With more and more types of loans, and a loosening of loan requirements, it will be easier for individuals to start a business if they choose the right type of loan according to their circumstances. Venture capital loan is a kind of special loan which is issued by an individual who has a certain production and operation ability or has already engaged in production and operation activities, and has made an application for capital demand for starting a business or a new venture, and a bank approves the effective guarantee. 　　Eligible borrowers, according to the individual's resource situation and solvency, can obtain a single sum of 500,000 yuan loan support. Mortgages are a flexible way to use personal consumption loans to start a business for those who need it. The amount of mortgage loans generally does not exceed 70% of the assessment price of the mortgage, and the loan ceiling is 300,000 yuan. 　　If the business needs to purchase a commercial house along the street, you can buy a home as collateral, to the bank to apply for commercial housing loans, the amount of loans generally does not exceed the estimated value of 60% of the proposed commercial premises, the maximum loan period of not more than 10 years. Mortgage loans can be pledged in addition to certificates of deposit, with Treasury bills, insurance policies and other vouchers can easily get personal loans. 　　The mortgage loan can be 80% of the amount of the deposit, the debt loan can be 90% of the nominal debt, and the amount of the policy pledge loan of the insurance company does not exceed 80% of the cash value of the policy. Guarantee loan If you don't have a certificate of deposit, a bond, or an insurance policy, your spouse or parent has a better job and a steady income, which is also an excellent source of credit. The current banks have a unique interest in the high-income class, lawyers, doctors, civil servants, public institutions, employees and financial industry personnel are listed as the target of credit loans, these industries only need to find one or two colleagues to guarantee in ICBC, CCB and other financial institutions to obtain about 100,000 yuan guarantee loans, 　　In the case of the preparation of various materials, the day will be approved, thereby faster access to venture capital. Second, the acquisition of entrepreneurial loans "5P principle" loans to be approved by the bank, how to pass the bank's loan approval? 　　Here are the "5P principles" that come from internal data from major bank lending departments at home and abroad, and it will tell you how to be a "blood transfusion" for a bank. (i) the borrower (arranges) 1. Responsibility: The borrower is responsible for his family, education, social background, industry relations and litigation information, evaluation character (honesty and credit) and its sense of responsibility. 2. Operating effectiveness: To the profitability of the enterprise (especially business interests) to measure the operational capacity of the moderator or important cadres have sufficient experience and professional knowledge, the succession of operators to cultivate the situation and the future business planning operations. 3. Dealings with the bank: a record of honesty or poor credit, balance of dealings with banks,To provide credit information in a cooperative manner. 　　(b) Whether the funds use (purpose) funds are legal, reasonable, fair and in compliance with the policy. (c) The source of repayment (Payment) is the prerequisite for ensuring the whippany of credit claims. 　　The core of bank evaluation credit is to analyze the source of loan repayment. (iv) Guarantee of creditor's rights (homeowner) 1. Internal assurance, refers to the direct relationship between the bank and the borrower. 　　2. External protection, refers to the bank to bear the borrower's credit liability, there is a guarantee, etc. (v) The credit Outlook (Perective) refers to the future of the borrower's industry and to the borrower's own future development and measurement of risk and interest. If the applicant can provide a full range of information to the bank, the bank's credit investigation can be completed within two weeks, and then according to the 5P principle above, we can decide whether to grant the loan.