What are the personal financing channels?

1. Bank loan: those who have a house and a car can apply for a large loan and need to be evaluated. Disadvantages are slow speed, long cycle and low success rate. Advantages are large amount and low relative interest rate.

2.P2P: It can also be used to borrow money for financing. Although the interest may be high, the requirements for borrowers are low. Consumer loans usually require many conditions, such as central bank credit information. For some people who have no fixed job or unstable income, this kind of P2P loan may be the fastest.

3. Pawnshop, which many people are not familiar with, actually has a very fast short-term turnover, and relatively speaking, there is almost no qualification requirement for borrowers. As long as there is something to pawn, you can get the money soon.

Personal financial channels:

1. Credit card loan: that is, credit card financing and credit card loan (credit card loan) financing. For everyone, even without assets, the personal financing that can be created through gradual creation is between 500,000 and 3 million. The longer the time, the higher the amount.

2. Installment card: Its credit limit is not equal to that of ordinary credit cards. Every bank has it. Some banks have the highest independent credit line of 300,000, some banks have the highest credit line of 500,000, and some banks have the highest credit line of 654.38+00,000. This can also be achieved through pure credit.

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

Extended data:

Precautions for personal loans:

1. In the process of financing, taking the business plan (BP) as an example, it is a crucial step in the process of financing. Because investors tend to pay more attention to how to maximize their investment returns, it is necessary for entrepreneurs to turn BP as a stepping stone into a more meaningful business manual.

2. Try to summarize the highlights of your project in the shortest possible time, and then clearly discuss the complementary needs of the company and customers according to customer needs. Attract investors' attention with an attractive business model, and then persuade investors to contribute to your project.

3. The financing demand is firm. Entrepreneurs should gather for a period of time, go all out, and take financing as the primary task. Only when the result of financing backfires can they determine that it is not suitable for financing at this stage.

Baidu encyclopedia-personal finance