The situation varies from place to place. In addition, the larger the loan amount, the need for guarantee or mortgage. The general conditions are as follows: the objects of applying for conditional personal business loans are individual industrial and commercial households, partners of partnership enterprises and owners of sole proprietorship 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 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. 5. Having a fixed domicile and business premises in this institution. 6. Open a settlement account in Industrial Bank, and handle daily settlement through Industrial Bank account. 7. Other conditions stipulated by Industrial Bank. The loan amount, term and interest rate are 1. The maximum amount of personal venture loan shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation. 2. The term of personal venture loans is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loans for production and operation is 1 year. 3. Individual business loans shall be subject to the term loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range. Loan repayment method: 1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid once at maturity, and the profits will be paid off with the principal. 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.

Second, I want to start my own business. What does the rural credit cooperative loan in Liuyu Town, Pingyi County need?

First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required.

Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.

If the guarantor is out of town or out of town, it can't be done. Of course, it does not meet the conditions of guarantee. Just find someone to guarantee it.

Four. There are many conditions for granting loans, so you'd better ask the local credit union.

If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.

First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required.

Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.

If the guarantor is in other places or not in the local area, of course, it does not meet the guarantee conditions, so just find someone to guarantee it.

Four. There are many conditions for granting loans, so it is best to ask the local credit cooperatives.

If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer.

In fact, it can be issued without guarantee.

Three, what conditions do rural credit cooperatives need to start a business loan?

1 requires that the applicant must be at least 18 years old, have full capacity for civil conduct and be able to provide valid identification;

2. The applicant can provide proof of legal residence where the loan bank is located;

3. Venture loan requires the applicant to have a fixed residence or business premises, and hold the business license issued by the administrative department for industry and commerce and the business license certificate of related industries;

The applicant has a stable income and the ability to repay the principal and interest, and has certain self-owned operating funds before applying for a loan;

The purpose of the loan must comply with the loan provisions of the state and rural credit cooperatives.

The venture loan of rural credit cooperatives is an operating loan, which is earmarked for special purposes. The amount of venture loan applied by users can only be used for business. In addition, when applying for a loan, the loan amount will be determined according to the user's qualification. Because it is a venture loan, it is often necessary to provide a certain mortgage when applying.

The above is the introduction of the requirements of rural credit cooperatives' entrepreneurial loans, hoping to help.

I want to start my own business. What does the rural credit cooperative loan in Liuyu Town, Pingyi County need?

First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

Two, there are farmers' economic files in the local credit cooperatives. The so-called farmer's economic file is to provide unsecured credit loans to local farmers in the form of credit after they have established their economic, family and income status.

Third, if the guarantor is required in the loan, it is because the loan officer of the rural credit cooperative collects the loan for better prevention and control.

If the guarantor is in the field or not in the local area, there is no need to find someone to guarantee it.

Four. There are many conditions for issuing loans. You'd better go to the local credit.

If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.

First, rural credit refers to the expenses of farmers with rural household registration for marketing such as seeds and breeding.

Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. Credit loans are issued unsecured.

Third, the main reason for issuing loans is that the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.

If the guarantor is in other places or not in the local area, of course, it does not meet the guarantee conditions, so just find someone to guarantee it.

Four. There are many conditions for granting loans.

If the borrower wants to open an account separately, he needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer.

In fact, it can be issued without guarantee.