Credit loans generally require identity cards, household registration books and proof materials for borrowing purposes; Mortgage loans also need information such as real estate licenses.

2. What are the procedures for Yunnan to apply for free entrepreneurial loans for college students?

Requirements for Yunnan to apply for college students' entrepreneurship loans: The target of individual entrepreneurship loans is individual industrial and commercial households and owners of foreign-funded enterprises with unincorporated business licenses issued by the administrative department for industry and commerce. Borrowers applying for personal business loans must meet the following conditions at the same time: 1. Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3. Engage in legitimate development potential or market competitiveness. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. 5. During menstruation. 6. Open a settlement account in Industrial Bank, and handle daily settlement through Industrial Bank account. 7. Other conditions stipulated by Industrial Bank. The maximum amount of loans for individual businesses is no working capital, and the period of funds needed for purchasing (installing or repairing) small equipment (machines and tools) and franchise chain operation is generally 2 years, with the longest period not exceeding 3 years, of which the longest period of working capital loans for production and operation is 1 year. 3. Individual venture loans float within the scope announced by the People's Bank of China. Loan repayment method: 1. For on-the-job loans with a loan term of more than one year, personal business loans with principal and interest repayment of more than one year, interest repayment method or average capital repayment method, other repayment methods agreed by both parties can also be adopted.

3.202 1 What are the procedures for venture loans?

202 1 year

Loan exemptions and subsidies

1. Where can I apply for a startup guarantee loan?

Business guarantee loans are divided into "loan-free and subsidy-free" and personal business guarantee loans. Apply for a business guarantee loan to the county and city youth league Committee!

2. What is the amount of "free loans and free subsidies" and personal business guarantee loans, and how long is the term? How to repay?

Loan amount: no more than 200,000 yuan. Eligible borrowers who start a business in partnership shall be approved according to the standard of 200,000 yuan for each partner, with the maximum limit of 165438+ 10,000 yuan.

Loan term: no more than 3 years.

Repayment method: the principal will be repaid in three installments, that is, 65,438+00% in the 65,438+02nd month, 20% in the 24th month and 70% in the 36th month after the signing of the loan contract. After reaching an agreement with the loan financial institution, the borrower may repay the loan in advance according to the loan contract. Personal business guarantee loans should be paid off in one lump sum at maturity, or agreed by the borrower and the guarantee institution and the handling bank to be repaid in installments.

3. How to determine the loan interest rates of "free loans and free subsidies" and personal business guarantee loans?

"Free loans and subsidies" and personal business guarantee loans (including partnership business loans), the loan interest rate can rise to a certain extent on the basis of the loan market quotation-LPR on the day of signing the loan contract. The specific standard is that the increase in poverty-stricken areas (including key counties for poverty alleviation and development and 14 contiguous areas with special difficulties, the same below) shall not exceed 250BP (2.5 percentage points), and the increase in other areas of our province shall not exceed 65.5 percentage points.

The specific loan interest rate shall be determined by the handling bank in consultation with the borrower and the borrowing enterprise within the upper limit of the floating interest rate according to the operating conditions and credit status of the borrower and the borrowing enterprise.

4. How to pay the financial discount for the business guarantee loan? How do individuals (enterprises) bear the interest?

Starting from 202 1, 1 and 1, the interest of newly issued "loan-free and subsidy-free" and self-employed secured loans (including partnership loans) below LPR- 150BP shall be borne by the borrower and the borrowing enterprise, and the rest shall be subsidized by the finance.

5. What are the support targets of "free loans and free subsidies" and personal business guarantee loans?

The support objects of "free loans and free subsidies" and personal business guarantee loans are basically the same. Mainly refers to the following 10 categories: urban registered unemployed; Persons with employment difficulties (including the disabled); Demobilized demobilized soldiers; People released from prison; College graduates (including university student village officials, senior students, students who have dropped out of school and started businesses, and students who have returned from studying abroad); Resolving employees and unemployed people in enterprises with overcapacity; Migrant workers returning home to start businesses; Online merchants; Filing of poverty-stricken people; Individual farmers in rural areas. Employed persons who rely on the employment platform to purchase necessary production and operation tools are included in the support target. Starting a business in our province is not restricted by registered permanent residence areas and industries.

6. What are the prerequisites for applying for "loan exemption and subsidy exemption" and personal business guarantee loans?

When applying for a loan, the applicant (including the shareholders of the partnership enterprise) is not employed in government institutions (including supernumerary personnel) or state-owned enterprises (except employees of enterprises with overcapacity), and does not belong to those who have gone through retirement procedures; When submitting a loan application, my spouse and I should have no other loans except student loans, poverty alleviation loans, housing loans, car loans and small consumer loans (including credit card consumption) below 50,000 yuan.

7. What conditions do you need to meet to apply for "loan exemption and subsidy exemption" and personal business guarantee loans?

When applying for a loan, the applicant and the partnership venture shareholders should generally hold employment and entrepreneurship certificates; The business entity has been registered as a market entity and is operating normally, and the loan funds to be applied for have a clear business purpose (if the applicant is a poverty-stricken person with a file, it is not necessary to apply for market registration if he can provide a certificate issued by the poverty alleviation department); The applicant has no bad credit record; If the applicant is the legal representative of the business entity, he can directly submit a loan application. If the applicant is a shareholder of a partnership enterprise, he must be authorized by the legal representative.

Fourth, how to borrow commercial loans?

Banks can apply for loans to help enterprises.

Opening process (taking Industrial and Commercial Bank of China as an example)

The applicant applies to the loan bank, and the loan bank conducts a loan investigation and reports it to the branch for approval. After approval, the loan funds will be paid to the agreed account.

Customers applying for loans must provide the following information:

1. Fill in the loan application form.

2. The original and photocopy of valid identity documents and marital status certificates of the borrower and spouse.

3. Annual business license (or valid business license, business license, booth card, etc.). ) and the property right certificate or contract or lease of the business premises.

4. Proof materials reflecting the operating conditions and repayment ability of the borrower or its business entities.

5. Other materials required by the lending bank.

Extended data

1, main road

There are three main ways to choose venture loans, and entrepreneurs can choose their own venture loans according to the situation.

2, personal entrepreneurship

(1) Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has been engaged in production and operation activities, and is approved by the bank as an effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

(2) For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government.

3. Commercial mortgage loan

(1) As long as the mortgage procedures meet the requirements, the bank will not ask about the purpose of the loan. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan.

(2) If starting a business needs to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the house to be purchased as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

4. Guaranteed loan

If there is no certificate of deposit, national debt or insurance policy, but the wife or parents have a stable income, then this can also become an excellent credit resource. At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and financial professionals are all listed as preferential targets for credit loans.