1. What conditions need to be met for interest-free loans to support entrepreneurship? Do you know

First of all, applicants need to meet the conditions for applying for a loan. These conditions are specifically:

1. Be 18 years old or above, have your own valid ID card and legal residence certificate for the location of your loan bank, and have your own fixed residence or place of work;

2. Applicants must Engage in legitimate production and business projects, have a business license issued by the local industrial and commercial administration department, have stable income and the ability to repay loans;

3. The loan applied by the applicant must comply with legal regulations and bank credit policies stipulations;

4. In the investment project applying for a loan, there must be a certain amount of liquidity, and a settlement account must be opened in the bank where the loan is applied. After the project is executed, the operating income must be settled by the bank.

2. What are the conditions for individuals to obtain loans from banks now? Which bank is better in all aspects? Does the state have any policies to support entrepreneurship?

Borrowers applying for personal business loans must have: 1. Have full capacity for civil conduct and be under 50 years old. 2. Hold an industrial and commercial business license, tax registration certificate and related legitimate production and operation activities issued by the industrial and commercial administration authority. The project has development potential or market competitiveness, and has the ability to repay the principal and interest of the loan on schedule. 4. Have good credit standing, comply with laws and regulations, have no bad credit and debt records, and be able or guaranteed. 5. At the handling business premises. 6. Other conditions specified by the bank. Loan amount, term and interest rate: 1. The maximum amount of a personal business loan shall not exceed 70% of the total funds required for the borrower's normal production and operation activities, purchase (installation or repair) of small equipment (machines), and franchise chain operations. 2. The term of a personal business loan is generally 2 years, and the longest is no more than 3 years. The longest term of a loan for production and operating working capital is 1 year. The term loan interest rate promulgated by the bank can be repaid in the following loan repayment methods: 1. Personal business loan For loans, the principal and interest will be repaid in one lump sum upon maturity, and the interest will be paid off along with the principal. 2. Personal entrepreneurial loans with a loan term of more than one year can be repaid by the principal and interest repayment method or the equal principal repayment method, or by other methods agreed upon by both parties. Loan applicants need to provide identification documents (including resident ID card, household registration book or other original valid residence certificate) and proof of marital status; 2. Personal or family income and property business license and relevant industry negotiations, contracts or other information The ownership certificate and list of the collateral or pledge, proof that the person with the right to dispose of the pledge agrees to the mortgage (pledge), and the mortgage (pledge) valuation report issued by the bank's recognized appraisal department. If you need a loan, we recommend Yidai China's advisory loan service. This type of loan is particularly recommended here - refers to the loan issued by Yidai China United Cooperative Bank to natural persons (when it opens) for legal designated purposes such as entrepreneurship and liquidity. personal loans. Quota: 5,000 yuan - 1 million yuan Application address: hom/activity/product/startup-lianshangxia.html Yidai China is an online platform for applying for loans. It cooperates with all/microfinance companies, including Zhen Development Bank and Standard Chartered Bank. , Industrial Bank, Shanghai Pudong Development Bank and other places to apply for loans online. Yidai China loan application process: Online application - Yidai China financing consultant contacts the applicant and verifies - Submits the application to the bank/credit company to contact the applicant - Signs a loan contract. One application for business, multiple funding institutions responded! Generally, the application time for personal loans is 1 to 2 weeks, and the application time for business loans is 2 weeks to 1 month! It saves borrowers the time of visiting major banks and reduces costs other than loans! Yidai China Yidai China has many types of loans, including personal credit loans and housing loans, which are free of service fees nationwide, while other types of loans will be charged 2 %-3% ??service fee. This is the lowest service fee in the industry, saving borrowers expenses other than the loan, and we solemnly promise that we will never charge task fees before getting the loan! Friendly reminder: The online application will be reviewed on the same day (9:00-18:00, except weekends). Please keep your phone/mobile phone open so that the financing consultant can contact you to verify the situation. If you fail the three phone verifications, the initial loan review will not be approved. If approved, the loan application will be considered invalid. Generally, after applying online, the financing consultant will contact you by phone on the same day (9:00-18:00) to provide the loan applicant with a suitable financing plan. At that time, the loan applicant can consult in detail.

3. What are the conditions for state-supported entrepreneurial loans?

What are the conditions for entrepreneurial loans? 1. Apply through employment agencies. Individuals can apply for small-amount guaranteed employment loans through employment agencies, with an amount of 20,000 yuan. to 50,000 yuan. If the entrepreneur is engaged in a high-tech industry and has applied for an independent entrepreneurship certificate, the loan amount can be increased to 100,000 yuan. The loan limit for small businesses is 2 million. It is understood that entrepreneurs engaged in 30 low-profit projects, including hotel services, catering services, hairdressing, copying and typing, can enjoy full fiscal interest subsidies, which means they do not have to pay loan interest. Other industries need to repay according to bank loan interest rates. Principal and interest. In addition to the prescribed 2-year loan period, entrepreneurs can apply for a 2-year deferment of repayment, and the maximum loan period reaches 4 years. There are four ways to provide guarantee when applying for a loan. The first is that the guarantor works in a government agency or public institution. Second, the guarantor has a fixed residence, fixed income and fixed job. The third type is secured by real estate mortgage. The fourth is to provide guarantee through the credit community. 2. Bank loan: Applying to a bank to start a business is the most common loan method. The upper limit of personal business loans provided is often tens of millions, and the loan period is usually no more than 5 years. The bank's loan mortgage model is relatively flexible and can adopt various methods such as mortgage, pledge, guarantee and guarantee. The loan interest rate increases according to the growth of the loan term, usually between 6.1% and 7.05%. 3. Investment guarantee companies lend money quickly and with high interest rates. Borrowing from investment guarantee companies has also become a common loan method. For the process of applying for a business loan, please contact the labor and social security department. To apply for a small guaranteed loan, you must generally hold a "Reemployment Discount Certificate" issued by the labor and social security department; 2. Hold the "Entrepreneurship Training Certificate" of the Municipal Vocational Training Guidance Center; 3. Have certain entrepreneurial ability and graduate Graduates of colleges and technical secondary schools (technical and vocational) who have not been employed within the last two years; 4. Demobilized and retired military personnel with valid certificates. For the above-mentioned persons who are self-employed, start their own business, have opened a business and hold an industrial and commercial business license, small guaranteed loans can be granted. The amount of small guaranteed loans provided to those holding the "Reemployment Discount Certificate" is controlled at around 30,000 yuan, and can be increased to 100,000 yuan (including district supporting facilities) for larger business scales. For those with a loan amount of 50,000 yuan or more, they must pass the entrepreneurship training of the Municipal Vocational Training and Guidance Center, obtain an entrepreneurship training certificate, and be recommended by the Municipal Vocational Training and Guidance Center.

4. What are the conditions for subsidized business loans?

1. A Chinese citizen with full civil capacity and between the ages of 18 and 65;

2. Good credit (not guilty of three or six in a row within 2 years), no illegal or disciplinary behavior

3. Submit the application certificate to the relevant household registration location and provide relevant conditions;

4. The local government or the local security bureau will conduct relevant information checks on the borrower;