This is I receive financial weekly interview manuscript Miss Lin hong. Author Lin Hong miss, for your reference.

As the saying goes: "three Heaven, seven by hard work." Yin Chenguang came to their strange Shanghai imperceptibly has been ten years. From an ordinary construction workers Perspiration came down like raindrops. in the hot sun, today has the construction team of their own, Yin Chenguang suffered sour, sweet, bitter, hot, has experienced ups and downs.

2009 is the Yin Chenguang of this animal year, he prepared to go the last step in business. Due to the mechanical equipment used in construction are up to hit, so Yin Chenguang used it for several years during the construction machinery equipment mainly rely on rental. Friend by chance one sentence told him: "rent than buy themselves." Yin Chenguang began to have the city was studied, on the field of the mechanical device he found, leasing of construction equipment far from oneself buy must calculate: equipment in general a about nine hundred thousand, rent a period will be one hundred thousand yuan.

Yin Chenguang tempted.

He started to plan his existing funds: on a one-year deposit of 1000000, with 3 months to maturity; under the name of the property assessment price about 1000000; then redemption buy before the funds, about 300000; in 2001, the Construction Bank to buy 100000 yuan of bonds; to buy more insurance 5 years ago (dividends type), the total amount is 500000, annual premium of 15500 yuan. Yin Chenguang worry. Although the purchase of equipment to be more cost-effective, but because of the project equipment prices are too high, over the past few years he had accumulated only just enough to buy 3 sets of equipment, but a project requires at least 6 sets of engineering equipment to complete, Yin Chenguang's funds gap of nearly 2700000. But too much money into the equipment of the fixed assets, will seriously affect the liquidity.

On one side is high to rental fees, one is in need of a invest a lot of money to equipment, how can the situation does not occupy a lot of money to buy equipment, right? Yin Chenguang will be looking to the banks to loan.

　　Mortgage loans to cash flow troubles

1 hand isn't due to time deposits

Whether it is cash or not, will have a loss, because now the bank deposit interest rate is very low, many people in order to increase the interest income, will save some high interest in long-term regular. However, once the situation in urgent need of money, especially in the maturity of nearly time, will be more huge losses.

Now, many banks are doing to certificates of deposit pledge loan business, as long as the loan borrowers will be issued by a bank was not due to personal foreign currency savings deposit as a pledge, you can get loans from the banks have a certain amount of loan. Yin Chenguang will expire 1000000 yuan deposit certificates of deposit pledge to the bank, only need to pledge 3 months, pending certificate expired after the repayment, avoiding the loss of interest, do not miss business opportunities. And pledged loan of pledge rate is very high, for easy, as long as the procedure is complete, three working days to obtain the certificate of deposit $90% loan, that is to say, Yin Chenguang can get 900000 of the loan.

The 21000 element of proof type national debt

Yin Chenguang's debt is in the Construction Bank to buy, so only to the construction bank bonds pledge.

Personnel working people's Bank said, regulations, the bonds are loans for the year within the amount, not higher than the face value of the debt was 90%; loan period in more than a year, the amount of the bond amount shall not be higher than 80%. Since the dawn of Yin loans for a period of two years, so he in bonds as pledge can obtain 80000 yuan loans.

3 the sum insured for 500000 yuan to the policy

Yin Chenguang remembered before the agent said, buy insurance is like savings, can continue to accumulate funds. The Is it right? Can surrender, you can get money to emergency?

Yin Chenguang immediately contact the insurance agent, want to surrender to the amount remaining policy. But did not expect, through the insurance agent's calculation, found that although has made 77500 yuan, but if the surrender, the only back now policy cash value part, only less than 50000. Moreover, the insurance agent is put forward, if the surrender, the Yin Chenguang as breadwinners, if encounter any risk, it himself and his family by the impact is difficult to assess the.

Guangzhou Yurong general manager of the investment advisers Limited Zeng Yong understood Yin Chenguang's actual problem, remind Yin Chenguang this kind of short-term funding difficulties, can be solved completely by company policy. This is not only Yin Chenguang personal and family security, also can easily solve microfinance was as pressing danger.

Ceng Yong said, according to Yin Chenguang and now have nearly 50000 cash value, the policy as the pledge to the insurance company, can apply for to 70% - about 90% of the loans, which can apply to the 40000 yuan loan period is half a year have emergency funds. Procedures are very simple, as long as with the original insurance policy, the receipt and I the identity certificate of the person, to the insurance company to fill in the application form, after the basic audit, general 3 days can get the funds.

Ceng Yong reminded Yin Chenguang like meet short-term funds difficulty, must be used with caution in surrender, can through such as Yin light, use policy cash value, the pledge to the insurance company or bank, will be long-term investment invigorated, solve the temporary, short-term money demand.

　　Assessment of price100Million to one house

Since housing is real property, for the banks is the best assessment of collateral, as long as the price is reasonable, the loan risk is very small, so the housing mortgage loans obtained bank approval of the success rate is high too. Yin Chenguang can put their house is evaluated, and then to the bank for the mortgage, about a month, will obtain the loan.

In a different bank, get the loan amount is different. Shenzhen Development Bank for the mortgage loan provisions are: to commercial housing mortgage, loans up to the net value of the property assessment 80%; office buildings and shops have to mortgage rate up to 50%; industrial plants have mortgage rate was up to 40%; for a period of 10 years loans. China Everbright Bank provides loans, up to a maximum of 70% property assessment value, the loan period of 1-5 years. The Bank of East Asia in the term of the loan is preferential, the loan period of 15 years up to 70%, but the maximum loan amount is only up to the value of the property.

Real estate mortgage business by the individual applications directly to the bank, but the procedure is complicated, worthy of note was that, in accordance with the relevant provisions of the people's Bank of Chinese, general "mortgage loans" interest rates will be according to the person standing than regular loans broke surface 10%-30%, a few loans is relatively low. Some banks, the annual interest rate broke surface 10%.

　　To apply for business loans

Many such as Yin Chenguang contracted the construction team to business, everyone will face such situation. At present, the Bank of communications, China Everbright Bank, Shenzhen Development Bank are personal business loans carried out on the equipment loan business, specifically for the purchase of equipment to provide loans to everyone.

Yin Chenguang will need to purchase 6 sets of equipment, according to every 900000 yuan of computation, want to buy complete all equipment needs 5400000. Bank of Communications (Shanghai) launched a people business loans accounted for 70%, Yin Chenguang as long as the payment of equipment was 30%, namely 1620000 yuan can be purchased to all equipment. For a loan, so long as a bank approved to pledge or mortgage can be, if there are no other assets as collateral or pledge, or directly to the loan to buy the equipment as a pledge.

To note is, Bank of communications, 12 months to the duration of the loan interest rate of 5.31%, and 24 months of the term of the loan interest rate is 5.4%, 36 months is also the 5.4% of interest rate. Each bank is different.

Through the handling equipment loans, Yin Chenguang takes only two sets of equipment have money, you can buy 6 sets of equipment required. To pay 1620000 yuan to Shoufu, can apply for a period of three years 3780000 yuan of equipment to bank loans, the loan interest rate to the current month, Yin Chenguang just repayment 110000 yuan, than the original rental cost-effective payment.

　　Microfinance includes

1 mortgage / pledge loan: mortgage loans, real estate loans, policy rights pledge loan,

2 a firm foreign exchange account pledge, pledge loans, financial products, Treasury loans pledged loan

3 of consumer loans: consumer loans, car loans, housing loans decoration garage, car consumption loans

4 loan to help the industry: business loans

5 student loan: the loan, commercial loan

6 Credit: personal credit loan

7 Loans: personal loans

　　Financial experts advise

Guangzhou Yurong Ceng Yong general manager of the investment advisers Limited

In the policy to pledge, also need to pay attention to several issues:

Have the savings function score red insurance, endowment insurance and annuity insurance have the cash value, and pay more than 1-2 years before they are eligible to apply for a loan. While the consumption type of insurance, insurance than such as insurance and medical insurance costs do not have the cash value, cannot be obtained through mortgage loans.

In general, pledge loan amount can reach 70%-90%, mortgage loan amount can reach up to 70%, loans for a period of six months. The pledge and mortgage are policy is temporarily with each other to hold.

Loan implementation rates in each insurance company is slightly different, generally broke surface 2% profit rate RMB deposits one-year. At present, many 4.4%-5%, slightly lower than the bank loan interest rates 6 months.

The procedure is simple, as long as the original insurance contract, carrying a recent premium payment vouchers, identity certificate, insurance companies to counter the mortgage loan application, fill out the "application form" to preserve jobs. General 3 days can get loans, the insurance company will loan as specified bank account or in cash.

Can advance repayment, there are still difficulties due to renew, but there may be some additional requirements. For example, pay interest. Also can be recycled after borrowing in loans.

During the policy loan, guarantee function is still valid. Be or get out of danger, still can like the insurance company claims, also do not affect policy dividends, interest distribution, according to the repayment of interest before they can receive.

At present, most can only be through the insurance company for mortgage loans, can not handle the business through the bank, even through the bancassurance channel buy insurance products.