1. Bank loan: Those who own houses and cars can apply for large loans, which need to be evaluated and valued. The disadvantages are slow speed, long cycle, and low success rate. The advantage is that the amount is large and the relative interest rate is Low.

2. P2P: It can also be used to borrow money and finance. Although the interest rate may be high, the requirements for borrowers are low. Consumer loans usually require many conditions, such as central bank credit reporting, etc. , for some people who do not have a fixed job or have unstable income, this P2P loan may be the fastest.

3. Pawn shops are unfamiliar to many people, but in fact, the short-term turnover is very fast, and relatively speaking, there are almost no qualification requirements for borrowers, as long as there are valuable pawns. Stuff, you can get funds quickly.

Personal financing channels:

1. Credit card loan: It is credit card financing and card loan behind credit card (loan behind credit card) financing. This is for everyone, even if they have no assets. , through gradual creation, the personal financing that can be created is between 500,000 and 3 million. If the creation time is longer, of course the amount of creation will be higher.

2. Installment card: Its limit is different from the normal credit card limit. Every bank has it. Some banks have independent installment cards with a maximum limit of 300,000. Some banks have a maximum of 500,000, and some banks have a maximum of 1 million. This is something we can achieve entirely through pure credit.

3. Pure credit loan financing: Pure credit loan financing means that if you don’t have a credit card or you have a credit card, you can get financing through credit. Pure credit loans are available in every bank.

Extended information:

Notes on personal loans:

1. In the financing process, take the business plan (BP) as an example. The most important step in the process. Because investors tend to pay more attention to how to maximize the benefits of the funds they invest, therefore, for entrepreneurs, it is necessary to turn the stepping stone of BP into a business description with a more sales-oriented meaning.

2. Strive to summarize the highlights of your project in the shortest possible length, and then clearly describe the complementary needs of the company and customers based on customer needs. Use an attractive enough business model to attract the attention of investors, and then convince investors to fund your project.

3. There is a firm attitude towards the need for financing. Entrepreneurs must focus for a period of time and go all out to make financing their first priority. Only in this way can they be convinced that the current stage is not suitable when the results of financing are counterproductive. Financing

Baidu Encyclopedia-Personal Financing