It should not be difficult now for an individual to borrow 100,000 from a bank, purely on credit, without collateral.

Nowadays, banks are strongly recommending consumer loans, which are pure credit loans and can be credited in seconds.

One bank will approve at least tens of thousands of dollars, and up to three banks can get you 100,000 yuan in cash. However, the interest on such loans is generally relatively high, with the annual interest rate ranging from 9% to 12%.

Since it is a business, the risks will be relatively high. If it works out, it will be fine, but if it fails, it will be burdened with a debt of more than 100,000, and the credit record will be overdue, which will have a great impact on the future!

In addition to going through banks, you can also get loans through Alipay. That’s right, you can borrow!

My borrowing limit is more than 210,000, with a daily interest rate of 2.5%, and a comprehensive annual interest rate of 9%, which is quite expensive.

Of course, if you go to the bank and find someone, you can get a loan with an annual interest rate of 5%-6%, or even lower.

However, it is difficult for ordinary people to get such a loan without a certain credit foundation in the bank.

Also, you can check to see if the local government has any measures to encourage entrepreneurship. I remember that a few years ago there was a kind of entrepreneurship loan for college students. It was interest-free and it seemed to be 100,000. I don’t know if it is still available now.

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Financial Chai tells you that you can get a loan from a local bank without collateral.

The only things to refer to are your income and credit.

Personal invincible mortgage loans are mainly determined through two aspects.

For income, refer to the punch-in salary and provident fund payment base in the past six months. The higher these two, the higher the credit limit and the lower the interest.

Generally speaking, if you need 100,000, you need to have a check-in salary of more than 4,000 and a provident fund of about 700.

The credit report cannot be maliciously overdue, and there cannot be too many online loans.

As long as the above standards are met, you can get a loan of 100,000 from a bank without collateral.

When applying for a bank loan as an individual without collateral, you must take a comprehensive look at your own qualifications.

For example: credit information, liabilities, assets, you can go to the local area to find out. Nowadays, many places have support entrepreneurship funds that you can apply for, which are interest-free and mortgage-free.

As for the resumption of work after the epidemic, many places also have corresponding support loans that can be applied for, which are also interest-free and unsecured.

Can an individual obtain a loan from a local bank with a business capital of 100,000 yuan without any collateral?

I am Mushroom Tang, here to answer your questions.

In today's general context of mass entrepreneurship, what should an individual do if he wants to start a business but does not have early start-up capital, and wants to go to a bank for financing but has no collateral?

Those who meet the conditions can apply for guaranteed subsidized entrepreneurial loans.

I have been raising black goats at home since I graduated from technical secondary school. Through the development in recent years, it has begun to take shape. However, due to financial constraints, I did not dare to expand the scale. In February this year, I and one of my colleagues who work at the County Federation of Industry and Commerce

A friend was chatting and told me that the Federation of Industry and Commerce has a credit guarantee interest-subsidized entrepreneurial loan project, which is specifically designed for college students to start their own businesses, migrant workers to start their own businesses, etc. The maximum amount you can apply for is 150,000 yuan, and the state will provide free interest subsidies and a one-time repayment after 3 years.

payment.

He asked me if I would like to apply, and he could serve as a guarantor. Of course I would be willing to do such a good thing.

After that, you register first and fill in the basic information. Three or four days after registration, bank staff will go to the site to understand the status of your business entity and inquire about future development directions, etc.

After the bank investigates and understands that the individual's credit and repayment ability are OK, it will submit various materials, such as industrial and commercial business licenses, entrepreneurship certificates, couple's ID cards, marriage certificates, etc., and mainly find a staff member in an administrative institution as a guarantee.

People, I will ask a friend who works in the Federation of Industry and Commerce to be a guarantor.

About a week later, the bank informed me that the couple went to the bank to sign and confirm the loan. The credit limit was 150,000 yuan, which would be repaid in one lump sum after three years.

Now that the funds have arrived, I have purchased another batch of black goats, which has alleviated the pressure of shortage of funds. I hope that the price of black goats will be higher this year, allowing me to earn more money and live a better life.

Summary: The state has always paid attention to and cared about the entrepreneurship issues of the masses. In the context of mass entrepreneurship, the state has launched many related preferential policies to support entrepreneurship, such as small subsidized loans, tax incentives, etc., which effectively alleviated the initial financial pressure of entrepreneurs.

, boost the confidence of entrepreneurs and promote economic and social development.