The loan requirements are determined according to the loan method. You can apply for a personal business loan. If you only apply for registered capital, it will be difficult to be approved! Just like the down payment for buying a house cannot be used for loan, the reason is the same!

How to apply for a business loan

There are three main options for business loans. Entrepreneurs can choose a business loan that suits them according to the situation.

(1) Personal Entrepreneurship Loans

Entrepreneurship loans refer to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. They apply for capital needs due to starting a business or re-starting a business, and go through the bank. A special loan issued after valid guarantee is recognized. Qualified borrowers can receive a single loan support of up to 500,000 yuan based on their personal resources and repayment ability; those who have started a business of a certain scale or become re-employed stars can also apply for a higher amount of loans. The term of a business loan is generally 1 year, with a maximum period of no more than 3 years.

(2) Commercial mortgage loans

Currently, for many personal loans handled by banks, as long as the mortgage procedures meet the requirements, the bank will not ask about the purpose of the loan. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the mortgage property, and the maximum loan limit is 300,000 yuan. If you need to purchase a commercial house along the street to start a business, you can use the house to be purchased as collateral and apply for a commercial housing loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house to be purchased, and the loan term is no longer than 10 years.

(3) Guaranteed loan

If you have no deposit certificates, treasury bonds, or insurance policies, but your wife or parents have a stable income, then this can also be an excellent Credit resources. Currently, banks have a special preference for the high-income group. Lawyers, doctors, civil servants, employees of public institutions, and people in the financial industry are all listed as preferential treatment targets for credit loans. Employees in these industries only need to find one or two colleagues to guarantee them. You can obtain a guaranteed loan of about 100,000 yuan from financial institutions such as ICBC and China Construction Bank. Moreover, this kind of loan does not require any mortgage or appraisal procedures. If you have such a relative, you can apply for a loan in his name. After preparing all the materials, you can get business capital on the same day.

You can go to the official website of Yidai China to learn more about relevant loan knowledge. You can also submit a loan application online to see if your conditions and qualifications match those of relevant institutions. Click Apply Online Link:

The steps for a general loan are that you submit your personal loan requirements and general information to the bank or loan product agency, and then the bank will conduct a preliminary review of the loan applicant's loan application and arrange for a dedicated person to contact the loan applicant. , if they pass the preliminary review after contacting them, they will then guide the loan applicant to provide the required materials, and then review again, and finally achieve the loan disbursement.

For general loan applications, the required materials are as follows, you can make your own judgment based on your reference -

The original and copy of the borrower’s valid identity document;

Local Documents proving permanent residence or valid residence status

Documents proving the borrower’s loan repayment ability. Such as the income certificate issued by the borrower's employer, the borrower's tax bill, and insurance policy.

The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount, and the written document of the owner and the owner of the property agreeing to the pledge and mortgage.

A written document in which the guarantor agrees to provide guarantee required for the borrower to obtain a guaranteed amount.

The guarantor’s creditworthiness certification materials.

Evaluation report of the collateral issued by a socially recognized evaluation department

Other documents and information required by the bank

Yidai China Loan Fraud Prevention Remember: In fact The tricks of scammers are very simple. They can be summarized as follows: (1) The loan requirements are very low, no mortgage is required and there are no other requirements. It can be said that as long as you want a loan, we can give it to you.

(2) Don’t dare to disclose your company’s name, cannot provide the company’s business license or the company has no investment and business scope, cannot provide formal contract texts and invoices, and will not even give you a landline phone number, you know The other person only has a mobile phone and can’t even see the other person’s face.

(3) Before the loan is credited to your account, you will be charged so-called tolls, interest, handling fees, lawyer fees, etc. Anyway, they just want money, and they will not care about you again after they have deceived you.