Latest financing methods

I think there are many latest financing methods, such as:

1, credit loan

Credit loan is a kind of unsecured loan, the amount is not fixed, not exceeding 65,438+0-200,000, and the loan term is not fixed. At present, it is mainly short-term. Individuals need to provide proof of income, personal professional information and personal credit rating in the bank. This kind of loan is risky. Generally, the borrower's economic benefits, management level and development prospects should be investigated in detail to reduce risks.

2. Housing mortgage loan

Housing mortgage refers to the borrower's own or third-party property as collateral. And repay the principal and interest to the bank by stages with stable income, and mortgage the bank with its property certificate before paying off the principal and interest. If the buyer can't repay the principal and interest on time, the bank can sell the house to offset the debt. Its risk is that it is greatly influenced by housing prices, and there are problems such as falling housing prices and difficulties in realizing them.

3. automobile mortgage

Refers to the use of vehicles as collateral, usually used to solve the short-term capital turnover problem. Only about 70% of the valuation can be borrowed, and the time is divided into one, three, six and twelve. The risk is that only some platforms carry out second-hand car mortgage business at present, and there are risks such as car damage, fraudulent loans, discounts and purchase restrictions in major cities.

4. Equity pledge loan

It means that stock holders can provide counter-guarantee to the online lending platform by holding company shares as pledge, without cutting and selling their shares. The risk is that the equity value fluctuates greatly, the equity of non-listed companies is difficult to realize, and the equity value changes with the company's operating risks.

"Under normal circumstances, there are five financing methods suitable for enterprises: equity financing, debt financing, bank loans, financial leasing and overseas financing.

Most enterprises adopt the first three financing methods, especially equity financing and bank loans. If you want to find something that suits you, it is recommended to choose equity financing. The advantages are: the threshold of required funds is low; Small financing risk; You can urge the company to improve its governance structure and management system, and you don't have to "pay back the money".

Among the financing platforms, Mingde Capital Ecosphere is more reliable. Not only does it make its own investment, but also has more than 1.800 cooperative fund resources, which is dedicated to helping small and medium-sized enterprises improve their business level and promote equity financing. If you are not sure which financing platform is reliable, it is recommended to try the Mingde Capital Ecosphere. "

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