1. What are the conditions for interest-free business loans from Rural Commercial Bank?

Conditions for bank interest-free loans:

Chinese citizens aged 18 to 45 years old, with full capacity for civil conduct;

Having a fixed residence and business place prove. The proof of fixed residence can be a real estate certificate (the real estate certificate in the name of the parents is also acceptable), and the proof of business place should hold a business license issued by the industrial and commercial administration authority and a business license for related industries, indicating that it is engaged in normal production and business activities.

Proof of funds. Loan applicants’ investment projects require that they already have a certain amount of their own funds. This is an important condition for banks to consider whether to lend money, because the amount of a business loan generally does not exceed 70% of the total working capital required by the borrower for normal production and operation activities, as well as the purchase (installation or repair) of small equipment and franchise chain operations. %.

Settlement account. Loan applicants must open a settlement account with the loan bank, and business income must be settled through the bank. Moreover, the purpose of the loan complies with relevant national laws and the Bank's credit policy regulations, and is not allowed to be used for other speculative investment projects such as equity interests.

Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they need to provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the integrity of the loan. degree in order to obtain a loan smoothly.

Good credit, no bad records;

2. I would like to know which banks or government departments can I apply to for interest-free loans for college students to start their own business?

I will pay:

1. Application conditions:

1. College graduates or above;

2. After graduation The unemployment registration has been processed by the social security department for more than 6 months.

2. Loan period:

The short period provided by the state for college graduates is 1 to 2 years. After 2 years, they will no longer receive financial subsidies

Three , Loan methods:

The methods for college graduates to start their own businesses are guarantees and offsets (pledge)

IV. Relevant instructions

For specific operation methods, please contact the local labor and Consultation with the Social Security Bureau. In addition, for college students who start their own businesses and other individual businesses, there is a one-year administrative fee; for self-employed businesses, their files are hosted at the Municipal Employment Guidance Service for College and Technical Secondary School Graduates. You should consult the relevant departments for specific policies on starting a business.

5. Application

There are three important points when applying for this type of loan:

No. First, a business location. Second, a business license and operating capabilities; third, and most importantly, the project must have a certain amount of its own funds.

Only those who meet the above conditions can apply to the bank, and they need to be provided when applying. The information mainly includes: relevant agreements and contracts in repayment such as marital family income and property status; guarantee materials, ownership certificates and lists of collateral or pledges, and mortgage (pledge) items issued by the bank's recognized evaluation department Valuation report.

In addition to written materials, there must be collateral, such as pledge of time deposit certificates, pledge of negotiable securities, and pledge of movable assets that meet the requirements. According to the specific commitment

Amount requirements

General requirements for entrepreneurial loan amounts: the maximum amount shall not exceed the funds required by the borrower for normal production, installation or repair), small equipment (machines) and franchise chain operations< /p>

The term is generally 2 years, and the maximum term is no more than 3 years, of which the maximum term for production and operating working capital loans is 1 year;

Personal entrepreneurial loans are subject to the term promulgated by the People's Bank of China Loan interest rates fluctuate within a range.

Loan repayment method

1. For personal business loans during the loan period, the principal and interest will be repaid once upon maturity, and the interest will be paid off along with the principal;

2. Loan period For personal business loans that last more than one year, the principal and interest repayment method of the loan can be the equal principal and interest repayment method or the equal principal repayment method, or it can be repaid in other ways agreed upon by both parties.

Now more than 80% of them are national support policies. The difference is that each bank has to go through the approval process. You have to ask each bank, regarding the government, where do you start a business? , the local government will give you certain support, and I hope it can help you every time I write for you. Hope it will be adopted.

3. Can I get an interest-free loan from a bank if I have an Entrepreneurship Certificate?

Nowadays, bank loans require mortgages such as cars, equipment, real estate, etc. For details, please contact the local The bank asked that in some places, local grassroots such as village committees and community cadres can come forward to provide credit guarantees.

4. Can I get an interest-free loan at a bank with a business license? What procedures are required?

Use your business license to apply for an interest-free loan at the bank?

My dear, are you thinking too much?

It is feasible to apply for bank loans with a business license, but there are certain conditions. Generally, banks only accept applications for loans from enterprises and individual industrial and commercial households that have obtained a business license and have been operating normally for more than one year. Generally, they are business loans. Some banks will relax the conditions for half a year, but if you go to the bank to apply for a loan right after getting your business license, I guess no bank will accept it.

Moreover, even if the bank accepts it, you still need to provide a house, factory, etc. as collateral, because it is not sure whether you have the ability to repay the loan normally.

Interest-free loans are really not feasible. I have worked in a bank for 12 years and I have never heard of any bank that can provide interest-free loans. Banks are companies that are responsible for their own profits and losses, so how can they not make money. Unless it involves loans for agriculture, rural areas and farmers, or entrepreneurial loans for college students, these are interest-subsidized by relevant departments and are not interest-free loans provided by banks.

Not only are they not interest-free, but the interest rate for business loans is generally higher than the benchmark interest rate. Do not trust any intermediary that can apply for interest-free loans but charge handling fees. They are all scams.

What procedures are required and what materials are generally required?

It can be done. Bank of China has a business loan that is a subsidized loan, which is basically equivalent to no interest. The license is required to have an actual business site within 3 years, and the annual turnover is more than 1 million. Personal credit debt requires that family credit loans, including credit cards, do not exceed 50,000. It is best to have real estate, cars and other assets in your name to increase your passing rate.

Can I get an interest-free loan at a bank with a business license? What are the procedures required? There are three major factors to consider.

Regarding the issue of interest-free loans, many people may want to apply. Some small businesses and individual industrial and commercial households even hope that all bank loans will be interest-free and purpose-less loans. This was widely circulated last year. It is said that as long as you obtain a business license, you can apply for an interest-free loan from a bank. What will the reality be like? It mainly depends on three major factors.

The first major factor is that normal bank self-employment loans require risk assessment and inspection of the operating conditions of individual industrial and commercial households, and a clear definition of the purpose of the loan. A business license is only a prerequisite for a loan, but not necessarily Being able to get a loan

As a personal business loan or a self-employed industrial and commercial household loan, having a business license is only the first step. If you want a loan, you need to conduct a strict inspection of the business conditions, loan purposes, and repayment sources. risk assessment.

Under normal circumstances, whether it is a self-employed business loan or a self-employed loan, the applicant needs to provide the following materials:

First, the legal representative’s ID card, original household registration book and Copy; second, provide the original and copy of the business license and tax registration certificate that have been inspected annually; the company's operating statements are preferably three years old; relevant information that can prove the legitimate income of the legal representative, such as bank statements, must be at least six months old; the legal representative Marital status such as marriage certificate, divorce certificate, single certificate; legal and sufficient mortgage or pledge; letter of commitment from the mortgagor or guarantor, as well as various other materials that the bank needs to provide.

Bank loans will not be issued just because you have a business license, just like agricultural loans will not be granted just because you are a rural person. What is equally important is that the purpose of the loan is also what the bank will examine. Important contents include the rationality and legality of the repayment sources of bank loans to ensure that bank loans have sufficient repayment sources.

The second major factor is that banks do not provide interest-free loans, which is misunderstood by many people. But the reality is not like this

There are no interest-free loans in the bank’s loan business. The reason is that the bank’s source of loan funds is deposits, and deposits need to ensure redemption and payment of interest. In addition, the bank’s Operating costs include rent, water and electricity, labor costs, and various taxes. This is why the bank's loan interest rate is higher than the deposit interest rate, otherwise the bank will lose money.

In reality, we often encounter people who question why bank loans require interest when applying for loans. Why can’t interest-free loans be provided to those in urgent need of funds? In fact, if a bank provides interest-free loans, it will lose money, which will lead to the inability to repay deposits in a timely manner, which will lead to a credit crisis for the bank.

Therefore, in reality, there are no interest-free loans provided by banks, let alone interest-free loans that can be obtained with just a business license. This must be clear.

The third major factor is, are there any interest-free loans in reality? have. Although it is handled at a bank, it is essentially different from a general loan from a bank

My friend is in a small city in the south, where some small businesses are relatively developed. Some relatives at home are also in business. When I communicated with them in June last year, they said that many merchants are now applying for interest-free housing mortgage loans. It is said that many people apply for interest-free loans. Whether they are medium-sized merchants with assets of hundreds of millions or small merchants with only a small factory, they all use their own homes or the homes of relatives to apply for loans. A property deed of a friend's own home was borrowed by several relatives.

It can be seen that you do not have a business license to apply for a loan, but you need to carry out a house mortgage to apply for a loan. In fact, what we call "interest-free loans" are not really interest-free loans from banks, but subsidized loans issued by local governments to support local economic development, especially the development of small and micro enterprises and self-employed households. Enterprises and individuals Interest still needs to be paid when taking a loan, but this interest does not need to be borne by the lender but is subsidized by the government. The loan applicant only needs to repay the principal. Folks simply call this kind of loan an interest-free loan. However, not everyone can obtain interest-free loans, and not everyone can apply for a loan as long as they have a business license, because only specific groups of people can apply for poverty alleviation loans, such as poverty alleviation loans for disadvantaged groups. Some rural interest-free loans help them produce and getting rich; there are also some operating loans for small and micro enterprises and individual industrial and commercial households.

Therefore, the so-called interest-free loans do not mean that there is no interest, but that the government subsidizes interest. Because most of the government's subsidized loans are handled through banks, people mistakenly think that they are interest-free loans from banks.

What needs to be clarified is that under normal circumstances, it is not a completely discounted to interest-free loan, but a part of the interest discount. The lender still needs to pay a certain amount of interest, such as the fiscal discount loans issued to fight the epidemic. , According to the Ministry of Finance's "Notice on Supporting Financial Strengthening Services to Prevent and Control the New Coronavirus Infection Pneumonia Epidemic" (Caijin [2020] No. 3) issued by the Ministry of Finance on February 2, 2020 and the Executive Committee of the State Council on February 5, 2020 According to the provisions of the meeting, banks are supported to provide preferential interest rate loans to key enterprises that produce, transport and sell key medical prevention and control materials and daily necessities, including small and micro enterprises, and the government will provide half of the interest discount to ensure that the corporate loan interest rate is lower than 1.6%.

Two factors are needed here, one is a 50% fiscal interest discount, and the other is that the actual loan payment interest rate is lower than 1.6%, which means that the bank’s real loan interest rate is around 3.2%.

It should be noted that some institutions that handle interest-free loans are not bank lending institutions. Often, the name of interest-free loans may conceal other arbitrary charging behaviors. For example, some lending institutions so-called Interest-free loans have various fees such as handling fees, fund management fees, etc. The comprehensive cost is actually not lower than the interest rate. (Qijian)

The kind of loan mentioned by the questioner does exist, but it is not available everywhere.

This kind of loan is called a laid-off re-employment loan. It is interest-free in the first year and charges normal interest in the second year. The maximum loan for women is 80,000 yuan and the maximum loan for men is 50,000 yuan. You need to find a guarantor, you must hold a laid-off certificate, attend training, and apply for a business license before you can apply for this kind of loan.

This kind of loan has almost nothing to do with banks. Whether it is approval or investigation, it is done by the Labor Bureau. Banks only participate in the lending stage, so the policies in different regions are different. If the loan is renewed in the second year, interest will begin to be charged. At this time, the bank will intervene in all aspects.

If you still want to know more about banking matters, you can send me a private message at any time, or leave a message in the comment area. I will reply in time after seeing it.

I have the best say on using a business license to apply for interest-free loans at banks. I can tell you for sure that it is possible. But the amount is not large, 100,000 yuan. It is a government subsidized loan, that is, the interest is paid for you by the Employment Bureau.

This is very good for opening a store, planting, starting a business, or running a small business. After all, there is no interest, and the current policy is good. This 100,000 yuan can be used for 3 years.

1. All companies applying for loans from banks must obtain a business license. If they can apply for interest-free loans at the bank with a business license, then all companies can apply for interest-free loans.

2. At present, most banks do not offer interest-free loans.

A commercial bank is a company, and the company's purpose is to pursue profits. The bank's business model is to absorb deposits and issue loans. The interest rate difference between deposits and loans is the bank's income.

An interest-free loan means that the bank will grant you a loan without charging interest. So what else does the bank make? When a bank takes deposits from depositors, it has to pay interest to the depositors. It has to pay interest when it takes in deposits, but it doesn't charge interest when it makes a loan to you. So isn't the bank a net loss? Who wants to do such a job?

Are there any interest-free loans?

Yes, but very few, and please be aware that loans issued by banks require interest, but you may not need to pay this interest. Who will pay it? The government pays for it.

Because many local governments currently provide certain policy preferences for poverty alleviation projects, agricultural projects, and college student entrepreneurship projects, including providing guarantees or interest discounts for loans applied to banks for these projects, and some local banks even Certain subsidies will also be provided. However, generally the loans that companies apply for from banks are not interest-free.

Yes! It’s called a business loan, but it’s not too much! There are two types: 100,000 and 150,000. The 100,000 is repaid once every three years, and the 150,000 seems to be repaid in proportion to three years, with no interest during the period. This money seems to be provided by the local government. The specific content Go to the Social Security Administration for advice. It’s just that the procedures are a bit cumbersome. First of all, you need a business license, marriage certificate, ID card, and a map of the location of your store. Registration starts in May every year. You have to go to the government where your registered permanent residence is to get a form to fill out. These are all relatively simple. Easy, but the most troublesome thing is that you need to find a person who is a guarantor for the couple who both receive financial salary, and the age cannot be over fifty. Once you have done these things, you can wait to get the money. The loan is relatively fast, as long as the bank today I’ll call you and ask you to sign and the money will arrive the next day

It’s impossible to get an interest-free loan from a bank with a business license. Now the country encourages returning to your hometown to start a business. There is also some policy support. You can apply for an interest-free business loan from the local Human Resources and Social Security Bureau. However, this application condition is relatively strict and requires a guarantee from a public servant. The support policies in each region may be different. For specific procedures, you can go to the local administrative service window for consultation. I hope my answer can help you!