Venture loan refers to individuals related to production and business activities. Venture loan is a special loan approved by the bank for effective guarantee after applying for capital demand for starting or re-starting. Personal resources and repayment ability, a single loan can support up to 500,000 yuan. For star entrepreneurs, you can also ask. The term of venture loan is generally for laid-off workers to start businesses. The interest rate of venture loan can be lowered by 20% according to the same grade interest rate stipulated by the People's Bank of China, and many areas can enjoy 60% government preferential treatment.

As long as the mortgage procedures meet the requirements, banks will not ask about the use of personal loans handled by many banks. People who need to start a business can flexibly use personal consumption loans to start a business. Under normal circumstances, the amount of mortgage loan shall not exceed 70% of the assessed value of collateral. If the loan industry needs to buy commercial housing along the street, it can apply to the bank for commercial housing loans with the house to be purchased as collateral. The loan amount generally does not exceed the appraisal limit of the proposed commercial house, and the longest loan amount does not exceed 65,438+00 years.

Second, the application process of venture loan

Application process of venture loan: 1. Preparation materials These materials include identity certificates, marital status certificates, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. Two, fill in the applicant with the business plan (or loan project) to the loan guarantee recommendation agencies or business experts to demonstrate the requirements, after the demonstration, you can apply for a "loan application". 3. After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the conditions of the opening loan, it should sign the recommendation in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. Four. The applicant for identity confirmation shall obtain identity confirmation from the street employment service agency where the household registration is located, and sign in the identity confirmation column of the Application for Opening an Account for Loan. V. The bank accepts the Application for Opening an Account for Loan signed by the applicant with recommendation and identity confirmation opinions, applies for a loan at the designated bank acceptance point, and provides relevant materials. Six, the loan audit bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of the "loan account opening application" and submit it to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions. 7. After receiving the loan guarantee opinions, the accepting bank can handle the lender's personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.

Third, how to apply for a commercial loan?

Going to the bank for a loan can be roughly carried out as follows: 1. Prepare materials. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged. 4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.

4. How do flexible employees apply for business start-up loans?

To apply for a business guarantee loan, the following conditions shall be met:

A) Being honest and trustworthy within the legal working age, registered unemployed people in cities and towns, landless farmers, people with employment difficulties (including the disabled), demobilized veterans, released prisoners, college graduates (including university student village officials and returned students), workers and unemployed people from enterprises with overcapacity, migrant workers returning home to start businesses, online merchants, poor people with established files, entrepreneurs with master's or doctoral degrees, universities and scientific research institutes, etc. are allowed to start their own businesses.

B) Economic entities that meet the above conditions and are organized for employment and entrepreneurship, legally operate and have some idle funds, and absorb labor-intensive small and medium-sized enterprises that meet the above conditions and meet the specified requirements;

C) The applicant is in a state of self-employment and has not been employed in a government agency, enterprise or institution at the time of self-employment;

D) Have a business license (college graduates can rely on a business plan);

E) The business address is in Xiangyang.