The businesses that have been running the business recently are experiencing a lot of difficulties. I rarely start without borrowing as I start the business. The income is decreasing, but the interest on the loan is a huge burden. For this reason, many people have been looking for low-interest loans. Today, we will have time to look at how to lend to the business and what we need to know.
Can I borrow a loan for a business operator?
a realistic story
I’ll start with a realistic story: the global economy has been reeling in the aftermath of Corona, making it really difficult for business people to do business, and it’s hard to run business right away because they don’t have any income. Banks are trying to raise the threshold of lending and not to lend more.
loan of money
The meaning of a loan is to convert a high interest rate loan into a low interest loan. Another name is called transfer theory. Although loan products are operated by the first and second financial institutions, it is very difficult to approve them if they are difficult to improve due to low credit scores or income.
a person who can't borrow
If you use a lot of card loans or cash services, you are classified as someone who can not get a loan from a bank. Cash services, card users as well as delinquents are also rated lower than normal people.
business carrier loan method
Business operators are less able to borrow than workers with a certain income. If you have property to secure, such as cars, card sales, and apartments, you can lower interest rates and get more easily approved for lending. If you have an apartment or a house, you can get an apartment loan, a credit loan product that does not have a mortgage setting, like a non-set house loan.
card sales loan
If you have card sales, you can get card sales loans based on credit card company weekend loans or card approvals that are available on weekends. Card sales loans can be classified into two categories: credit loans (card merchant loans) and mortgage loans (loans with sales bonds).
loan of loan
There are also loans that can be received by loan brokers in the business loan method. The loan is a way to receive low-interest loans by integrating debts after repaying the expected repayment by the brokerage company instead. However, if it is wrong, you should be careful because you can only get a huge commission loss.
business loan type
For small business owners who are struggling with financial difficulties due to poor economic conditions, the government supports loan products. Typical government-backed loan products are small business corona loans. It is not easy to receive because the resources are limited, but it is a low interest rate loan at a fixed interest rate of 1.5% per annum.
In addition, most of the business operators have heard of the loan products that are credit guarantee foundation loans, and I know a lot about self-employed loans and small business loans. The limit is from 10 million won to 30 million won, and the interest rate is 2.5% per annum.
a common loan
In the past, there was a theory of changing to a typical ordinary-class loan product. With the abolition in 폰테크 2019, Sunshine 17 is replacing its character. You can apply for a loan for a common person only if you meet the credit score standard and annual income.
private business loan
Self-employed people who do not usually have a constant income are hard to get the desired amount of loans. You have to prove your income through the National Tax Service HomeTex after 6 months of annual income of 10 million won or more.
business loan precautions
loan for business only
As you can see from the type of business loan mentioned above, government-funded small-scale loans or personal business loans are new loans, and Sunshine 17 is low-credit and low-income loans. So, if you look at it properly, it is not a loan product. It can be difficult for those who have multiple liabilities or expectations to borrow.
voice phishing fraud
If you recognize a loan, you will sell it here and there, and then you will be exposed to your personal information and flow to a loan voice phishing fraud company. Nowadays, voice phishing using the pretext that it is possible to borrow money with a clever fraud method is increasing
business loan application tip
If you meet some of the qualifications for bank loans, you should be careful about preparing for the application before receiving the loan.One tip is to prepare a detailed funding plan and source of use in consultation with a bank manager to increase the probability of loan approval.