Adults who have reached the age of 18 and have no illegal acts shall not be over 50 years old China citizens; Loans must be used to operate legitimate occupations; Personal loans How to start a business loan must hold a business license, national tax registration and other related business licenses, and have a formal business license; How to start a personal loan? I must abide by the law, have no bad behavior and no bad credit record. And you must be able to provide mortgage, pledge or guarantor recognized by the bank, and be honest and trustworthy; How to get a personal loan? I want to have a fixed residence and business premises in the agency, and some banks have other prescribed items.

Personal business loan application materials:

Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status.

Personal or family income and property status and other repayment ability documents.

Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes.

Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.

Personal commercial loan amount:

The maximum amount of personal venture loan shall not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation.

The term of personal venture loan is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year.

Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.

Youth loan is a kind of loan established to actively promote rural development and encourage rural youth to start their own businesses. The loan amount is less than 30,000 yuan, generally not more than 50,000 yuan; The loan term is generally set within 3 years, and the longest is no more than 5 years. The specific repayment period can be agreed by the borrower and the borrower.

Vigorously develop mutual insurance and joint guarantee loans for rural youth entrepreneurship. Encourage agricultural banking financial institutions to strengthen cooperation with credit associations or credit cooperatives and other credit subjects, and actively explore and develop joint credit loans to meet the financial needs of credit subjects by using joint guarantees, guarantee funds, risk deposits and other joint credit enhancement methods. Guide and encourage rural youth who are interested in starting a business to actively join credit associations such as "joint household insurance group", "credit mutual aid organization", "credit union", "professional organization guarantee" and "guarantee association" Improve the internal incentive and restraint mechanism of credit and mobilize the enthusiasm of internal members for self-management.