Wang originally done in a computer company salesman, was a friend of the boss when he repeatedly encouraged entrepreneurship and promised loans if needed to provide security. Dinglixiangzhu a friend, he resigned as the work of the high income, their registered a computer company. The help of friends, he smoothly from the local credit cooperatives have made 300,000 yuan loans, credit services very well, is lending rate than the statutory rate as high as 30 percent, and to deduct from the loan of two bewildered " Consultancy fees "and" financial management consultancy fees "so that his actual annual interest rate of loans reached more than 7 percent. At that time, Wang did not cost too much to consider loans, the computer industry because of fierce competition, he can only meager profit business, a Suanzhang the end of the year, outstanding loans after the principal and interest earned is not compensable not, in his words, equivalent to credit cooperatives in vain to fight For a year.
Now an entrepreneurial boom waves off a wave, many people in the early entrepreneurs often seek "capital" hungry, in order to start raising venture capital, do not consider their funding costs and the actual funding requirements. In addition to Wang, this misunderstanding into a minority entrepreneurs, they do everything possible to financing as one of the floating rate financial institutions charge additional fees Advisory responsive conditions, some even for non-performing assets of financial institutions assume the debt. However, market competition now getting lower and lower operating margins, in addition to extraordinary difficulty of obtaining illegal profits outside. Therefore, the majority of entrepreneurs in the financing must consider the cost, master of business financing tips to save money so that less profitable banks, it means you more money.
Tips for one, Qiao election banks, loans to comparative shopping.
In accordance with the provisions of the financial regulatory departments, the banks issuing commercial loans can be within a certain range as high or fall lending rates, such as many parts of the bank lending rate can be as high as 30 percent. In fact, bank loans and to the market to buy things, Tiaotiaojianjian, comparative shopping can be elected to inexpensive goods. In comparison, state-owned commercial banks to lower lending rates, but require more stringent procedures, if you complete the loan procedures, in order to cut financing costs, can use personal "Request tender" approach, the bank's lending rates and Other additional fees to compare, choose from a low-cost bank mortgage, pledge or mortgage loans.
Tip two, a reasonable diversion, housing loans can also venture.
If you have any intention of buying houses and have an adequate hands of the purchase, then you can purchase of this "diversion" in the venture, and then to the bank to apply for housing mortgage loans. Housing loans are commercial loans lowest interest rates in the species, such as housing loans within five years to 4.77 percent annual interest rate, while ordinary commercial loans of three to five years the annual interest rate of 5.58 percent, 0.81 percentage point difference between the two, the use of loans for housing In the start-up costs even lower. If the entrepreneur has purchased a housing, can also be done with existing home mortgages for ordinary commercial loans, such loans are not limited purposes, can be as entrepreneurial start-up funding.
Tips 3, cost-and reasonable choice of loan period.
Bank loans generally fall into short-term loans and long-term loans, loan interest rates higher and the longer period, if the entrepreneur needs the use of funds is not too long a time, should try to choose short-term loans, such as the original intention for the biennium can be a one-year loan Loans, this will save interest payments. In addition, venture financing also concerned about the trend of interest rates, if interest rates trend higher, should get before raising interest rates for loans, such as in the year before raising interest rates to enjoy the low interest rate if interest rates Qujiang, not in urgent financial needs of The suspension should be for loans, such as timely for a rate cut later.
Tip 4, with good policy, to enjoy low-interest bank and the government's treatment.
Venture Bank loans in recent years launched a new business, all with a certain production capacity, or has engaged in production and business activities of individuals, entrepreneurs or venture because of the need, can run this business to the banks for special business loans. Venture loan period is generally one year, the longest of not more than three years, in accordance with the relevant provisions of the venture loan interest rates may not float upward, and can be provided to people with grade interest rates fall 20 percent in many parts of the laid-off workers launch venture Loans can also enjoy 60 percent discount for the government; some areas of difficulty for domestic service workers, health care and pension services, and so meager profit venture has also imposed the full discount.
Five tips, family borrowing, the lowest-cost start-up "loans."
Venture initial cost is most in need of financial support, if relatively close relatives and friends have in the bank time deposits or treasury bonds, then you can borrow and their consultations, in accordance with the deposit interest rate payment of interest and can be as high as appropriate, so that you are Fast and easy to raise venture capital, friends and relatives can also receive a slightly higher interest rate than banks can be said to the best of both worlds. However, this requires the borrower has a good reputation and, if necessary, can find a guarantor or by deed, stocks, gold and silver jewelry, and other collateral to do, to disarm friends and family worries for the future.
Tip 6, prepayments and improve fund use efficiency.
In the course of business, if the result of improved efficiency, low season and return money management, compressed into the operation of the financial and other reasons which appear idle, then can change to the bank loans and loans for years, until the early part or all of outstanding loans. Change or after the repayment of loans, bank loans based on loan amount of time and according to the charging of interest, thereby reducing the loan interest burden and improve efficiency in the use of funds
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