Whether it's to meet everyone's excessive consumption requirements or to apply venture capital, bank credit inspires an essential efficacy. But for regular people, getting a loan from a financial institution is not an easy thing to do. Online loans or 私人貸款 microloan loans as a filler are also very crucial in reducing the pressure of temporary asset work level. The following is a list of eight ways to get a loan, although not very comprehensive and sound, but also look forward to some assistance to those who must.

One, financial subsidized loans.

This type of loan contains the characteristics of the current policy, suitable for small and medium-sized entrepreneurs. There are more varieties of loans, such as: self-employment of college graduates, veterans, women's entrepreneurship, micro-enterprise support; support for the poor staff self-employment, laid-off workers self-employment these. General provisions are project investment, self-employment, if the above staff self-employment can be applied for.

Advantage is the financial discount, and even the full amount of interest-free installment; disadvantage is that the loan credit is not high, generally all 50,000, 100,000, the maximum does not exceed 300,000.

Second, consumer loans.

These aspects of the loan is more popular, the key to housing loans and car purchase loans as the leading. Buy a house, car application loans, has long become the preferred choice of most people . And the application process is also very convenient, the general raw materials are prepared by the relevant parties. At the level of buying a house, if you enjoy the personal provident fund, the interest rate is also very low. Nowadays, in order to meet the consumer market, commercial banks also handle loan goods in categories such as renovation and vacation travel.

The advantage is that the loan is convenient and the interest rate is not too high; the disadvantage is that the regulations on personal credit are stricter and are more limited by the new national policy.

Third, personal credit loans

Personal credit loans are more extensive, bank credit cards, online loans, small loans can also be counted in this, here is the personal credit loans of commercial banks. The general age above 20 years old, there is a smooth salary of the administrative organs, enterprises, institutions and institutions employees, all can still be, the state civil servants in these aspects of the advantages more significant some, is the general staff to join the business and trading key to get assets method. Similar to most of my loans, the maximum of these loans are not more than 300,000 yuan. And in the use of assets is also more convenient, a credit line, borrow and repay the loan as you go, into the key way.

Advantages: easy to use, disadvantages: personal credit report regulations are stringent.

Fourth, loan guarantees, pledged loans.

The pledge and loan guarantee loans, for some people who can not apply personal credit loans, enabled the way to get assets. However, the first requirement is to have a financial institution sure pledge or suitable loan guarantor, and for general pledge loans, generally need to be re-guaranteed through the loan business, so that the cost is much higher, the annual interest rate to 12% or less, but than other channels of equity financing, or to be much more cost-effective. In the loan guarantee loan, the guarantor bears the legal responsibility, the guarantor's true identity is not the same will have an impact on the interest rate, many commercial banks will be divided into loan guarantees of state civil servants and general partner loan guarantees.

The interest rate of such loans, higher than the general financial institutions loans, but compared to small loans loans or other ways of equity financing, interest or to much lower.

Fifth, the application of credit card swipe.

The application of credit card swipe and even project investment, many people have long been very clear. It is to do more than one bank credit card, according to the form of installment repayment or withdrawal to obtain assets. Naturally, the credit card cash is also a method, but is not allowed. The interest rates and costs are relatively high, generally close to or up to 20% APR.

The advantage is: more convenient; the disadvantage is: very high costs, violations of the risk of card suspension.

Six, online loans.

Offline promotion can not borrow, there are many ways to finance online. Reliable online loans are counted as personal credit loans, many large Internet platforms have their own financing companies, through personal credit score after giving loans for users. And it is easier to apply and repay the loan, there are more types of installments, and the payment is also very fast. However, at this stage, the control of the online loan business also needs to be improved, and it is also overflowing with a part of the spoilers, and even use the online loan to do the cover to do the deceitful things.

Advantages: unsecured loans, loan guarantees, fast disbursements.

The disadvantages: the interest rate is higher, select the loan business to pay attention to.

Seven, P2P loans.

P2P loans are generally all online and offline closely, P2P service platform as an intermediary, from online digestion to absorb the assets of investors, followed by online or offline promotion to distribute loans, the service platform to get among the spread. This kind of loan is generally very high interest, the platform financing interest far more than the deposit interest, the service platform also need to get the spread in this, the higher the loan interest the higher the more obvious it is. In addition, the current stage of P2P service platform is mixed, some black service platform overflowing in it, is a source of the set of loans.

Advantages: loans without collateral, loan guarantees, little to no provision for personal credit.

Disadvantages: high interest rates, the risk of being "tricked".

Eight, microfinance companies.

The small loan companies mentioned here can be more unreliable, they do not have the approval to operate the financial industry, usually shouting business consulting, financing companies and other names, the practice of loan business processes, in fact, most see loan sharks. Not only in the interest rate is high, and also coincidentally deduct all kinds of expenses, "online loan interest", "service fee", "door-to-door service fee", "look head fee ", "towing costs", "management fees", "insurance costs", "breach of contract fees " These, in many forms, come in a variety of forms. Once the lender breaks the contract, they mostly apply scratching, scaring, coercion and other ways to collect, and even have also practiced intentional injury, extortion and other criminal acts. The interest and spend more than the legal interest rate many times, some use a loan repayment method, the interest is even higher than the principal tens of times.

Advantages: no personal credit limit; disadvantages: not recommended in the microfinance company loans.

I get assets, but also according to the pawnshop, equity financing, friends and family loans and other ways, it is not here outlined. Overall, it is proposed to keep a stable personal credit, to borrow in commercial banks or reliable online loan service platforms, and not recommended to borrow from microfinance companies.

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