For interest-free loan products, this year's policy may disappear, and the most favorable policy is the benchmark interest rate. Generally, there are preferential policies for venture loans in various places. Work requires personal credit loans. It is generally necessary to provide a guarantor. The bank requires that the guarantor's net assets must reach more than twice the application amount, and you can also provide commercial housing with complete three certificates. At present, banks in factories and shops are not operating well. Commercial housing cannot be mortgaged. The age of the house should not exceed 20 years, and the area should be over 70 square meters. In good locations, the current maximum mortgage loan is 70%

Second, what are the conditions for starting an interest-free loan?

Conditions for starting interest-free loans 1. The applicant has full capacity for civil conduct and is under 50 years of age; 2. The applicant holds the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce; 3. The applicant should have a good credit status, no bad credit and debt records, and be able to provide collateral and pledge recognized by the bank; 4. Having a fixed domicile and business place at the place where the institution applying for the loan is located; 5. The applicant must ask the loan bank to open a settlement account and handle the daily settlement through the bank account; 6. Other conditions stipulated by the bank. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions under agreed conditions. "Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust. Generally speaking, international private commercial banks provide interest-free loans, including bank loans for consumption, shopping or further study. They will charge a handling fee of about 65,438+0%, which is the income that a bank can at least offset the administrative expenses. Then, when banks issue interest-free loans, they will cooperate with the request to join credit cards or various members or open trading accounts. This is a wonderful way to expand customers. Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. Whether individuals pay interest first, then financial subsidies, or finance pays interest in advance, the relevant plan has not yet been determined, but the financial discount is affirmative. " Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has been engaged in production and operation, applies for the capital demand for starting or re-starting, and is effectively guaranteed by the bank. Venture loans are mainly incentive loans for college students and individuals in the region. Generally speaking, the interest rate is very low. Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is effectively guaranteed by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their resources and repayment ability; For those who have started a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 60% government discount.

Interest-free conditions for 32,000 yuan venture loan?

If you want to apply for an interest-free loan of 200,000 yuan, you should meet the following conditions:

1. At least 18 years old, with full capacity for civil conduct.

2. Personal credit is good, and there is no bad credit record and serious negative information on the credit report.

3 can provide proof of legal and stable residence where the loan bank is located, and it has a fixed residence or business premises. The business place may hold the business license issued by the administrative department for industry and commerce and the business license of related industries.

4. Entrepreneurial projects are in line with national policies and have certain market potential and development prospects.

5. Have certain self-owned funds and the ability to repay the loan principal and interest on schedule.

6. Open a settlement account with the loan bank, and the operating income will be settled by the bank.

Customers can also provide certain guarantees, or use their own assets as collateral, which is also helpful for loans. If graduate students want to apply for interest-free loans for starting businesses, they have to prepare graduation certificates and degree certificates. If you have not been employed for more than 6 months after graduation, you must also provide unemployment registration handled by the local labor and social security department.

4. Do both husband and wife have to check the credit information within 200,000 yuan of interest-free business loans? What does the guarantor need?

Hello, as long as you check the credit information, you don't need to check the credit information of the other half. The guarantor just needs to make sure he can contact you.

The specific discount contents of the venture loan are as follows

1. Object: Within five years after graduation, college students/returned overseas students and enterprises belong to start-ups that operate normally in Shenzhen and pay social insurance premiums according to law;

2. Loan amount and term: The maximum loan amount that a self-employed person can apply for is 600,000 yuan for each partner who meets the loan target, and the total amount is 3 million yuan. The longest loan period is 3 years;

Objects and conditions, the entrepreneurial projects in operation are complete and feasible, with good credit record and certain profitability and repayment ability.