Now is the economic society. Entrepreneurship has become the dream of many people. No one wants to work all his life. As long as the time is ripe, he will start a business at once. Moreover, in recent years, the state is also encouraging college students to start businesses, and there are also subsidy policies for some business loans. Many people are not clear about the application process of commercial loans. So, how many days does it take to apply for a commercial loan?
Now is the economic society. Entrepreneurship has become the dream of many people. No one wants to work all his life. As long as the time is ripe, he will start a business at once. Moreover, in recent years, the state is also encouraging college students to start businesses, and there are also subsidy policies for some business loans. Many people are not clear about the application process of commercial loans. So, how many days does it take to apply for a commercial loan? How to apply for a venture loan?
How many days does it take to apply for a venture loan?
Generally speaking, it takes about two months for a venture loan to be issued. Generally determined by personal credit qualification, the better the qualification, the shorter the review time and the faster the loan time. Venture loans generally require borrowers to provide complete application materials. Generally, there are several links, such as preliminary examination, review, bank approval and the next payment.
How to apply for a venture loan?
1. Prepare relevant materials before borrowing.
Before handling the loan, the borrower should fully prepare proof materials including identity documents, unmarried certificates, annual income and assets of himself or his family. Contracts and agreements related to working capital loans; Guarantor's materials, collateral or its ownership certificate and detailed information, and collateral pricing report issued by the appraisal unit recognized by the financial institution.
2. The applicant fills in the loan application form.
Entrepreneurs use the opening report to put forward discussion terms to the loan guarantee promotion agency, and only after discussing the basis can they receive the opening loan application form.
3. The recommendation institution shall sign the recommendation opinions.
When the discussion is based and the recommendation institution feels that it meets the conditions for loan opening, it will sign the recommendation in the recommendation column of the Application for Loan Opening; For those who do not meet the requirements, they will also give information suggestions to the applicants and return the relevant materials produced by the applicants.
Step 4 identify
The applicant obtains the identity confirmation in the job-seeking business organization where the account is located, and signs the identity confirmation column of the Application for Opening an Account for Loan.
5. Trials of financial institutions
The applicant holds the Application Form for Opening a Loan Account, which is signed with recommendation opinions and appraisal suggestions, and applies for a loan at the trial site of a specific financial institution, and presents relevant materials.
6. Lending approval
Financial institutions shall make loan audit opinions within 10 days from the effective date of the preliminary examination, fill in the suggestions in the column of "Opinions on the Examination and Approval of Loan Applications of Financial Institutions", and declare the opening guidance service station. If you don't want to borrow money, you should inform the applicant immediately and make information suggestions.
Step 7 apply for a loan
After listening to the loan guarantee proposal, financial institutions can only apply for the guarantor certificate and loan certificate of the lender within 5 days in accordance with the provisions of the bank loan business management system.
The above has explained in detail all the information about how to apply for a business loan in a few days. I hope it can bring you some reference value. Venture loan is a complex loan. Besides strict application conditions, the approval process of financial institutions such as banks is also very complicated.
What conditions do college students need to meet when applying for a business start-up loan, and how long is the loan term?
Basic conditions for applying for college students' entrepreneurial loans:
1. College students studying or graduating within two years;
2. College degree or above;
3. 18 years old and above;
4. No bad credit record;
5. Loans cannot be used for stock trading or gambling.
The specific application conditions of different banks are different. Some banks also need business licenses and business licenses, or the projects invested by entrepreneurs are green and can be handed over to local governments. . . Bring in taxes or promote employment.
The loan term is generally 2 years, and no later than 3 years.
How long does it usually take to apply for a venture loan?
Venture loans are generally released in about 60 days. The length of lending time is determined by the qualification of personal credit. The better the qualifications of venture loan applicants, the shorter the time to pass the examination and the faster the loan time will be. Under normal circumstances, venture loans require applicants to prepare and submit relevant complete information, which goes through several links, from preliminary examination to review, to bank approval, and finally to bank loans.
Application procedures for venture loans:
1. Preparation materials, including identity certificate, marital status certificate, 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 application form, the applicant holds a business plan (or loan project book) to the loan guarantee recommendation agency or business experts to demonstrate the requirements, and those who pass the demonstration can apply for a "commercial loan application form".
Three. After being recommended, the recommendation institution shall organize experts or relevant personnel to demonstrate the application project, and sign the recommendation opinion in the recommendation opinion column of the opening loan application if it meets the conditions of opening loan; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant.
Four. Identity confirmation: The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs in the identity confirmation column of the Application for Loan Account Opening.
Verb (abbreviation of verb) bank acceptance: the applicant submits a loan application to the designated bank acceptance point with the Application for Opening an Account for Entrepreneurship Loan signed with recommendation and identity confirmation opinions, and provides relevant materials.
Six, the loan audit, the 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.
Seven, for loans, after accepting the bank's advice to obtain loan guarantee, you can go through the personal guarantee procedures and loan procedures of the lender according to the requirements of bank credit rules and regulations within five working days.
Standard requirements of loan companies for lenders:
1. The borrower must be a natural person with full civil capacity.
2. Have a stable occupation and income.
3. Have a Chinese identity card or household registration certificate.
4. Good credit and debt service ability.
Do college students have to operate for six months before they can get a loan?
College students' entrepreneurial loans must be approved after half a year of operation, because this is a hard condition.
College students can apply for entrepreneurial loans within a few years.
College students' entrepreneurial loans are generally provided to college students who graduate within two years, as well as recent graduates and college students.
If you graduate for more than two years, you can still apply for a business loan, but you can't apply as a college student. Customers can only apply to the bank as individual entrepreneurs (college students' entrepreneurship loans are handled in the management service center of the local college students' pioneer park, and the Finance Bureau allocates funds from the special funds for supporting college students' entrepreneurship).
It is an unsecured and unsecured credit loan for college students (undergraduates, graduate students, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
The procedure is more simplified. Where college graduates apply to engage in self-employment or bid for private enterprises within two years after graduation, they can register in advance through the "green channel" in the registration hall of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state.
For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required.
Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.
Reduce various expenses. Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation.
Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high technology", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.
How long does the venture loan last?
Venture loans are mainly incentive loans for college students and individuals. The general interest rate is low. The lending time of venture loans is generally determined by personal credit qualifications. The better the qualification, the shorter the review time and the faster the loan time. Venture loans generally require borrowers to provide complete application materials. Generally, there are several links, such as preliminary examination, review, bank approval and the next payment.
The approval process of venture loans is complex, which requires multiple departments to review and approve step by step. During this period, the borrower needs to provide complete information on college students' entrepreneurial loans, and it will take at least two months from the initial review to the audit and then to the bank approval.
Let's talk about how long it takes for college students to start a business loan.