First, you have to apply for a loan. A standard application form (available in the bank) has two most important parts besides the objective contents.

First, be sure to write mature and let the bank believe you.

Have good prospects and the ability to repay the principal and interest;

The second is value, which must be written objectively, and it is best to enhance some intangible values.

I don't think there is much risk in borrowing this loan.

Then the bank will naturally do it

If it is your first loan, the general bank will reduce your loan amount and make you depressed.

Value, etc. You can only accept or give up loans. If the amount is not large, there is generally no possibility of negotiation.

Then the bank will gradually lend money to you according to the process of using the funds you apply for, and some will not give it to you at all.

In the bank, so borrowing money from the bank in China is not to borrow money from the bank to do what you want, but to let you do what the bank wants you to do and get most of your benefits.

Therefore, if you start a business with a loan, it is risky and generally not recommended. Loans are more because you have abundant funds, but in order for the bank to help you and provide you with some services and resources, you borrow some money from the bank on the pretext that you don't have enough money, and then return more money to the bank in the form of interest to buy some services.

The loan should go to the place where you mortgage the fixed assets, that is, Guangxi. Unless the property is yours, you can't open a shop as collateral. . . Although the company itself can do it.

, but also need to have a fixed asset mortgage. . .

If you want to open a branch, it is recommended to borrow money from friends or to partner with people in the same industry. If you have confidence in yourself, it is much more efficient and flexible to suggest that others borrow the meeting. In fact, the cost is not higher than that of banks.

If you want to start a business with a loan, you must first do a good job of repaying the loan, because a loan is to borrow a bucket of gold from others. You must make a specific plan to generate another barrel of interest from this barrel of principal, otherwise I suggest you not to borrow money. As the ancients said, it is natural to borrow money to pay back the money, and the original intention of borrowing chickens and laying eggs is to make profits. Businessmen can't afford to get up early without profit, which is the foundation of businessmen. Businessmen can't do anything without profit, and there is no way to make them suffer. . .

Be prepared for failure and be able to work under pressure.

Professional technology and start-up funds

No need!

You should be prepared for failure, and you should be prepared for failure.

Requirements for applying for business start-up loans:

1. identification and business premises

The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

2. Proof of funds

The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total liquidity required by lenders for normal production and business activities, purchase of small equipment, franchising, etc.

3. Settlement account

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

4. Letter of loan guarantee

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.

Extended data

The joint notice of the four departments requires: to ensure that entrepreneurial loans are really used for entrepreneurial employment.

20 18123 October, the Ministry of Finance, Ministry of Human Resources and Social Security, the People's Bank of China and the China Banking Regulatory Commission jointly issued a notice, requesting to further improve the monitoring and analysis of the discount policy for business guarantee loans, further promote the standardized development of business guarantee loans, and ensure that loans are really used for business start-ups.

The circular requires that all the handling banks should further strengthen the management of the credit business of venture guarantee loans, rely on the existing credit management system, speed up the implementation of internal processes, and complete the following work before the end of February 2065438+2009:

The first is to distinguish the existing loan business varieties of individuals and small and micro enterprises.

Second, in the personal business guarantee loan, 10 borrowers are distinguished: registered unemployed people in cities and towns, people with employment difficulties, demobilized veterans, released prisoners, college graduates, employees and unemployed people in enterprises with overcapacity, migrant workers returning to their hometowns to start businesses, online merchants, poor people with established files and self-employed farmers in rural areas.

According to the notice, the handling bank should be 3231313353236313032313635333e4b893e5b19e3/kloc-0. When submitting data, it shall ensure that the data is true and reliable. All units and their staff members shall not tamper with, damage, disclose or illegally use the data information of business guarantee loans, and shall not maliciously collude with natural persons, legal persons and other organizations to provide false data.

Be prepared for failure when starting a business with a loan! !

However, the risk of loan failure is too great! ! !

First of all, starting a business is risky, and your entrepreneurial idea has not been verified! It is possible to succeed, it is also possible that the water will flow forever, and it is more likely that it will never return! ! ! !

If you have worked in a field for a period of time and have a certain basic knowledge, you should strive for it, because we should be young and allow failure! ! !

You should pay attention, I'm not talking about success, I'm talking about young people allowing failure! ! In business, you have to give up to win! ! !

To start a business with a loan, we should consider the rate of return, that is, 1 1,000 yuan. How much money can you earn by investing? How long will it take to earn this money? How much do you need to spend every month? Rent, water and electricity, employee salary, bank loan interest! ! ! ! How much liquidity do you need to consider?

Now it is a market economy. It takes time for you to invest, get market recognition and generate profits!

Based on the above questions, you should consider clearly whether your entrepreneurial project and your rate of return are worthwhile.

Everyone is happy for the success of business! But once it fails, you will not only bear the business failure, but also bear the loan interest. In addition to your own life, you have to find a way to repay the loan, or the dunning phone will make you collapse sooner or later! ! !

The risk of loan entrepreneurship is too great, which brings a certain burden to the capital chain. If the capital chain breaks, then your business is likely to close down! ! !

I encourage everyone who has a dream to start a business! ! But I don't approve of starting a business with loans! ! How capable you are, how much you can do, how much money you have, how you can start a business, and you are blind and confident. It is not advisable to start a business with a loan! ! Many a mickle makes a mickle, first accumulate experience and funds, and have a certain foundation. When expanding the scale of operation, you can make appropriate loans and introduce capital flow! ! !

Entrepreneurship is like playing chess. You should not only see the next step, but also consider the next three or even seven steps! ! !

Entrepreneurship is risky, and investment needs to be cautious! ! !

Together for life, 123. Anyone who wants to start a business can talk to me, and I can give you some advice! Welcome everyone to discuss together!

Courage in the face of pressure