1, age 18 to 45 years old, with full capacity for civil behavior of Chinese citizens;
2, have a fixed residence and proof of business premises. Proof of fixed abode can be a real estate certificate (parents name of the real estate certificate can also be), proof of business premises should hold the business license issued by the industrial and commercial administrative organs and business permits of the relevant industries, indicating that are engaged in normal production and business activities.
3, proof of funds. The loan applicant's investment program requires that there has been a certain amount of their own funds. This is an important condition for banks to measure whether to borrow, because the amount of business loan requirements generally up to a maximum of no more than the lender's working capital required for normal production and business activities, as well as the purchase (installation or repair) of small equipment and franchising chain of 70% of the total amount of funds required.
4, settlement account. The loan applicant must open a settlement account in the bank where the loan is made, and the business income should be settled by the bank. And the use of the loan is in line with the relevant national laws and the Bank's credit policy, and is not allowed to be used for other speculative investment projects such as equity interest-based.
5. Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgages, certificates of deposit pledge and third-party guarantees in three forms, in addition to providing as much as possible some of their own credit status, repayment ability and loan investment information to the bank, which will increase the integrity of the loan, in order to facilitate the smooth obtaining of loans.
6, good credit, no bad record;
7, the project is in line with national industrial policy and regional economic development, with better economic and social benefits. Entrepreneurs who want to apply can go to the local labor department for advice. At present, whether the interest is paid by the individual first, and then the financial subsidy, or the financial prepayment of interest, the relevant program has not yet been determined, but the financial subsidy is certain.
The conditions of each bank interest-free loans are different, but the above several are required to meet, and then the formalities will be more, we must be prepared before the loan information, so as not to run back and forth waste of time.