Need to go to the scene and provide personal identification, marriage certificate, personal income certificate, etc. There are five conditions for applying for a credit loan, including1natural person aged 8-65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information and no bad records; Other conditions stipulated by the bank.
2. Which bank is better for SME loans?
People's livelihood is one of the pioneers and leaders for joint-stock banks to do a good job in SME loan business in China. Other countries have done a good job in attracting investment. The approval process is about 1 month.
3. How about the personal venture loan of Jiangsu Bank? Suitable for SMEs!
This year, many banks have issued corporate loans to provide credit services for small and micro enterprises to help them get out of the financing difficulties. As the threshold for corporate loans is relatively high, it is recommended that you know some basic information before applying. Today, we will introduce the venture loan of Jiangsu Bank for your reference.
1. Product Description: The personal business guarantee loan is a loan that Jiangsu Bank cooperates with the loan guarantee institution designated by the local government to solve the problem that individual entrepreneurs have insufficient self-raised funds to engage in individual business or partnership. Second, product features: high quota: 300,000 for a single household, with a maximum of 600,000. The quota depends on the qualifications of users and enterprises. Duration: up to 3 years, free choice. Guarantee convenience: guarantee is provided by a guarantee institution or government guarantee fund designated by the local government. Flexible repayment methods: support various repayment methods such as monthly interest payment, repayment of principal when due, and equal monthly repayment. 3. Required information: identity certificate, marriage certificate, business certificate, loan qualification certificate, use certificate, etc. Four. Handling process: customer application → bank approval → guarantee implementation → bank loan V. Frequently asked questions: 1. The areas where Jiangsu Bank can handle personal business guarantee loans: Zhenjiang (urban area, Danyang), Suzhou, Lianyungang, Nantong, Wuxi, Huai 'an, etc. Other regions are opening up one after another, subject to the bank announcement. 2. If you have any questions, you can call the customer service telephone number of Jiangsu Bank at 953 19 or go to various business outlets for consultation. Relevant information: Jiangsu Bank is a modern joint-stock commercial bank formed by the merger and reorganization of 10 city commercial banks in Wuxi, Suzhou and Nantong, Jiangsu Province.
4. What business is suitable for starting a business in Jiangsu county?
To start a business, we must first start from two aspects.
A lot of market research: do you want to run more, look more and know what local businesses are like? What businesses are doing well? What business is not doing well? Talk to those businessmen who are already doing it, or make friends. What are the tips and methods for doing business well? Business is not good, but the problem is where it appears, how to overcome it, how to resolve it and how to deal with it. Secondly, we should not only know and understand the advantages of doing business, but also know the disadvantages. Learn a good way to do business, and also learn how to deal with any problems that may arise in the process of doing business. It is also necessary to understand the market share, saturation and access conditions of operating projects.
Second, proceed from your own situation, objectively and correctly analyze and straighten out your abilities in all aspects. For example: What are your strengths? Where is the short board? How much can you invest in business? We should change and improve our comprehensive ability. For example, good communication and coordination ability, problem-solving ability and affinity, publicity and promotion ability, ways and means to deal with any unexpected events and so on. Make more friends and make more people.
No matter what business you do, there is no best, only better and more suitable. Know yourself and know yourself, be good at learning, study hard and keep learning and summarizing; Ask for advice with an open mind, be flexible and improvise. This will make the career you choose and engage in flourish and make a lot of money!