Requirements for applying for business start-up loans:
1. identification and business premises
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2. Proof of funds
The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total liquidity required by lenders for normal production and business activities, purchase of small equipment, franchising, etc.
3. Settlement account
The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
4. Letter of loan guarantee
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.
Extended data
The joint notice of the four departments requires: to ensure that entrepreneurial loans are really used for entrepreneurial employment.
20 18123 October, the Ministry of Finance, Ministry of Human Resources and Social Security, the People's Bank of China and the China Banking Regulatory Commission jointly issued a notice, requesting to further improve the monitoring and analysis of the discount policy for business guarantee loans, further promote the standardized development of business guarantee loans, and ensure that loans are really used for business start-ups.
The circular requires that all the handling banks should further strengthen the management of the credit business of venture guarantee loans, rely on the existing credit management system, speed up the implementation of internal processes, and complete the following work before the end of February 2065438+2009:
The first is to distinguish the existing loan business varieties of individuals and small and micro enterprises.
Second, in the personal business guarantee loan, 10 borrowers are distinguished: registered unemployed people in cities and towns, people with employment difficulties, demobilized veterans, released prisoners, college graduates, employees and unemployed people in enterprises with overcapacity, migrant workers returning to their hometowns to start businesses, online merchants, poor people with established files and self-employed farmers in rural areas.
The circular requires that all the handling banks should submit the business of business start-up secured loans carried out by the Bank to the basic database of financial credit information in a timely, complete and accurate manner. When submitting data, it shall ensure that the data is true and reliable. All units and their staff members shall not tamper with, damage, disclose or illegally use the data information of business guarantee loans, and shall not maliciously collude with natural persons, legal persons and other organizations to provide false data.
What are the application conditions for business start-up secured loans?
Business start-up guarantee loan refers to a special loan issued by an individual with certain production and business operation ability or engaged in production and business operation activities, which meets the capital demand for starting a business or re-starting a business and is recognized as an effective guarantee by the bank. So what are the application conditions for business start-up secured loans?
1. The applicant is over the age of 18, and must have legal and valid identity certificate, proof of legal residence at the place where the loan bank is located, fixed residence or business premises;
2. The applicant has good credit information, no bad records such as overdue, and has the ability to repay the loan;
3. The applicant's investment projects require him to have certain self-owned funds, and the loan applicant must open a settlement account in the bank where he lends, and the operating income must be settled by the bank;
4. If there is a loan guarantor, the effective guarantor includes the lender's wife, parents and friends with stable income.
After meeting the above conditions, it is also necessary to prepare proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Relevant agreements, contracts and guarantee materials for loan purposes.
What materials do you need to prepare for a venture loan?
1. My valid identification.
2. Proof of marital status.
3. Proof of loan use.
Four, in the loan location has a fixed business premises and residence certificate.
Five, with a certain amount of proof of start-up funds for entrepreneurial projects.
6. Can provide relevant guarantee certificates.
If the borrower has prepared the loan materials, he can apply for a venture loan at the bank outlet with the materials. After receiving the materials, the bank will review them, sign a loan contract after approval, and the borrower needs to go through mortgage, notarization and other procedures before the bank will lend money.
First, the definition of venture loans
Venture loans are mainly incentive loans for local college students and individuals. The general interest rate is low. Venture loan refers to a small credit loan which is different from the current consumer loan and is used to meet the needs of individual entrepreneurs in urban and rural areas. In terms of loan amount, it is a small loan; From the nature of the loan, it is a credit loan and does not need mortgage guarantee; From the perspective of loan targets, it is individual urban and rural residents, not existing enterprises; In terms of loan purposes, it belongs to entrepreneurial loans, which is different from the current consumer loans; As far as the loan name is concerned, it belongs to the nickname of microfinance, which is a China title that conforms to the national conditions; In terms of poverty alleviation effect, it has the highest poverty alleviation efficiency, the largest coverage, the best economic benefits, the highest loan recovery rate and the fastest capital turnover rate, which can make the country's poverty alleviation funds play the greatest role.
It can solve the employment problem of urban and rural people, change employment into independent entrepreneurship, and then stimulate people's creative potential. Providing continuous credit services can effectively prevent the phenomenon of returning to poverty after poverty alleviation. Venture loan aims to highlight and encourage the employment form of self-employment, which is different from personal consumption loan under the employment form. The successful experience of Professor Muhammad Yunus from the Department of Economics of Chittagong University provides reference for the implementation of risk loans in China.
Second, the loan process
Submit the application → prepare the materials (please indicate the purpose, amount, contact address, name, fixed telephone number and mobile phone) → fax the materials → approve → sign the contract → issue the loan → repay the principal and interest quarterly → repay the loan when due.
1. Optimization of repayment method (quarterly interest repayment and principal repayment at maturity).
2. The use of the loan is not limited (it can be used for capital turnover, house purchase, car purchase, decoration, tourism, education, etc. ).
3. The loan amount is large, the next payment time is fast and the process is short.
4. You can repay the loan in advance without default.
5. The loan period is long and the procedures are quick and simple.
6. Convenient and fast, reputation first.
What materials should I prepare before applying for a venture loan? How to apply for a loan
Generally, many people need a venture capital when starting a business, and a venture loan is a good choice. So, what materials do you need to prepare before applying for a venture loan? How to apply for a loan?
What materials should I prepare before applying for a venture loan?
Preparing relevant loan materials in advance is an indispensable preparation for applying for personal business loans, and it is also a very important work. Generally, it is necessary to provide ID card, education certificate, business license or business plan, as well as necessary proof of repayment ability and related loan guarantee materials. The earlier the loan materials are prepared, the less likely it is to make mistakes. Don't wait to apply for a loan and go through the formalities before you start preparing. If you are anxious, you will make mistakes, which will have a bad influence on the loan application.
In addition, it is necessary to understand the channels and methods of personal business loans. Among them, the loan channels and methods for individual entrepreneurship are generally as follows:
(1) Personal bank loan. If it is a personal business loan, it needs to provide guarantee and mortgage, which can also be seen from the name of the personal business guarantee loan.
(2) You can also apply for government venture loans. This requires entrepreneurs to pay more attention to local government policy information, and different regions have different support efforts.
(3) The applicant can also choose not to borrow money, or go directly to the partner. There are many things to be involved in partnership, and partnership should be fully prepared.
(4) The applicant seeking venture capital is also a way of loan financing. But it should be more difficult for individuals to find venture capital than to apply for personal venture guarantee loans.
In addition, the state will also provide a series of preferential measures for college students to start businesses, including business loans and business training. Friends interested in starting a business can pay more attention to this information.
How to apply for a loan?
Several common ways to apply for a loan generally include:
I. Bank loans
When the borrower's credit qualification is good, he can submit a loan application at the bank counter and provide the application materials as required, so that the loan can be made.
Second, online microfinance.
There are many micro-loans on the Internet now. You can choose a formal lending institution, download the APP registration, and then make a loan. Disadvantages are high interest rate and low amount.
Third, mortgage loan.
If you have a certain property, such as a car or a house, you can apply for a mortgage loan as collateral, so that the next payment will be faster and the amount will be higher.
What materials should I prepare before applying for a venture loan? How to apply for a loan? The above content briefly introduces the materials to be prepared for applying for a venture loan and several common ways to apply for a loan, hoping to help everyone.