Interest-free. Great.
2. What are the interest-free conditions for Shenzhen venture loan of 200,000 yuan?
If you want to apply for an interest-free loan of 200,000 yuan to start a business, you need to 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. Graduate students who want to apply for interest-free loans to start businesses have to prepare diplomas 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.
3. Can I get an interest-free loan in the bank with my business license? What are the procedures?
Do you have a business license to get an interest-free loan in the bank? What are the procedures? There are three main factors to consider.
On the issue of interest-free loans, many people may want to apply, and even some small enterprises and individual industrial and commercial households hope that all bank loans are interest-free and useless loans. Last year, it was widely circulated that they could apply for interest-free loans from banks as long as they obtained business licenses. What will the reality be like? Mainly depends on three factors.
The first factor is that normal bank self-employed loans need to conduct risk assessment and investigation on the operating conditions of individual industrial and commercial households, and clarify the purpose of loans. The business license is only the premise of the loan and may not be approved.
As a personal business loan or a loan for individual industrial and commercial households, having a business license is only the first step, but if you want to borrow, you need to conduct a strict inspection and risk assessment on the business situation, loan purpose and repayment source.
Under normal circumstances, both individual industrial and commercial loans and individual business loans need to provide the following materials of the applicant:
First, the original and photocopy of the legal representative's ID card and household registration book; The second is to provide the original and photocopy of the annual business license and tax registration certificate; It is best to have a three-year business report; At least half a year's bank flow and other relevant information that can prove the legal income of the legal representative; The marital status of the legal representative, such as marriage certificate, divorce certificate, single certificate, etc.; Legal and sufficient collateral or pledge; Letter of commitment from the mortgagor or guarantor, and other materials required by the bank.
Bank loans will not be granted just because you have only one business license, just as loans for supporting agriculture will not be granted just because you are a rural person. Equally important, the purpose of the loan is also an important part of the bank's review, including the rationality and legality of the repayment source of the bank loan, so as to ensure that the bank loan has sufficient repayment source.
The second factor is that banks have no interest-free loans, which is a misunderstanding of many people. But this is not the case.
There is no interest-free loan in the bank's loan business, because the bank's loan funds are deposits, which need to be paid, as well as interest. In addition, the bank's operating costs include rent, water and electricity, labor costs and various taxes and fees, which is also the reason why the bank loan interest rate is higher than the deposit interest rate, otherwise the bank will lose money.
In reality, people often question when applying for loans, why do banks need loan interest? Why can't we provide interest-free loans to people in urgent need of funds? In fact, if banks provide interest-free loans, they will lose money, which will lead to the failure to pay deposits in time, which will lead to the credit crisis of banks.
Therefore, in reality, there will be no interest-free loans provided by banks, and there will be no interest-free loans that can be handled only with a business license. This must be clear.
The third factor is whether there are interest-free loans in reality. Yes Although it is handled in a bank, it is essentially different from the general loans of banks.
My friend is in a small city in the south, where some small businesses are developed. Some relatives at home are also doing business. When talking to them in June last year, they said that many businesses are now handling interest-free mortgage loans. It is said that many people apply for interest-free loans, whether it is medium-sized businesses with assets of hundreds of millions or small businesses with only small factories, they all apply for loans with their own houses or relatives' houses. My friend's own real estate license was borrowed by several relatives.
It can be seen that you don't need to apply for a loan if you have a business license, but you have to mortgage your house to apply for a loan. In fact, what we call "interest-free loans" are not real bank interest-free loans, but interest-free 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 still need to pay interest when lending, but this interest is not borne by the lender, but subsidized by the government. The loan applicant only needs to repay the principal, which is called interest-free loan in folk simplification. However, not everyone can apply for interest-free loans, and not everyone can apply for loans as long as they have a business license, because only specific groups can apply for poverty alleviation loans for vulnerable groups, and some rural interest-free loans help them get 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 are not interest-free, but government interest subsidies. Because most government discount loans are handled through banks, people mistakenly think that they are interest-free loans from banks.
What needs to be clear is that, generally speaking, it is not a full interest-free loan, but a partial discount, and the lender also needs to pay a certain amount of interest. For example, in order to fight against the epidemic, according to the Notice of the Ministry of Finance on Supporting Financial Services to Prevent and Control the novel coronavirus Epidemic (Jin Cai [2020] No.3) issued on February 2, 2020 and the provisions of the the State Council Executive Meeting on February 5, 2020, banks are supported to produce, transport and sell key medical prevention and control materials and daily necessities, and the financial sector gives 50% preferential treatment to ensure that the corporate loan interest rate is lower than 1.6%.
There are two factors here, one is a 50% discount on finance, and the other is that the actual loan interest rate is lower than 1.6%, which means that the actual loan interest rate of the bank is around 3.2%.
It should be noted that some institutions that handle interest-free loans are not bank lending institutions, and other arbitrary charges may be hidden under the signboard of interest-free loans. For example, some lending institutions, fees, fund management fees and other expenses, the comprehensive cost is actually not lower than the interest rate. (Qi Jian)
Interest-free loans in banks with business licenses?
Honey, are you thinking too much?
It is feasible to apply for a bank loan with a business license, but there are certain conditions. Generally, banks only accept loans from enterprises and individual industrial and commercial households that have been operating normally for more than one year after applying for a business license, which are generally operating loans. Some banks will relax the conditions for half a year, but if they want to apply for a bank loan just after completing their business licenses, it is estimated that no bank will accept it.
Moreover, even if the bank accepts it, you need to provide houses, factories, etc. As collateral, because you are not sure whether you have the ability to repay 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 self-financing companies, how can they not make money? Unless it involves loans for agriculture, rural areas and farmers, or college students' entrepreneurial loans, these are subsidized by the relevant departments, rather than interest-free loans provided by banks.
And not only is it not interest-free, but the interest rate of general operating loans is higher than the benchmark interest rate. Don't believe that any intermediary who can handle interest-free loans but charge a handling fee is deceptive.
What's the procedure? What materials are generally needed?
Yes, China Bank has a kind of venture loan, which is a discount loan, which is basically equivalent to interest-free. It is required to have an actual business place within 3 years of the license, and the annual running water is above 6.5438+0 million. Personal credit liabilities require that family credit loans, including credit cards, should not exceed 50,000. It is best to have real estate, cars and other assets under the name to improve the pass rate.
It can be said very responsibly that it is absolutely impossible to apply for interest-free loans in banks with business licenses. By extension, it is impossible to apply for interest-free loans in banks with business licenses no matter what preferential measures. Banks are commercial organizations, which earn interest by issuing loans. He can't give interest-free loans to enterprises or individuals.
Then someone asked him that he got an interest-free loan. Why? In fact, he got a discount loan, not an interest-free loan. Discounted loans refer to special bank loans subsidized by the state or banks for specific purposes. It is a preferential loan to encourage the construction of a certain cause or project. In other words, the state has carried out preferential policies to support the development of a certain industry in a certain period of time, and banks are still reviewing and issuing loans according to the loan requirements. However, it is possible that the borrower pays the interest first and then goes to a special department to get the interest application back.
For example, during the epidemic in 2020, in order to support some enterprises and some industrial and commercial households seriously damaged in the epidemic, China allowed them to apply for special loans from banks with their business licenses or other application materials. After the loan expires, if the loan can be repaid on time, the borrower can apply to a specific department for repayment of the loan interest paid. At this time, the interest expense is not paid by the bank, but by the special government department.
Therefore, interest-free loans are impossible, and the discount loan scheme is feasible, but the following three conditions must be met:
1. Meet the application conditions of both parties for discount loans. For example, during the epidemic, the state allowed some hotels and travel agencies to apply for discount loans. Then it is impossible to apply for an industrial and commercial business license at this time, but there are hotel scale, tax payment, working population and financial statements. You can apply only if you meet the loan application conditions. For example, how can a hotel that has never paid taxes to the state apply for a discount loan?
2. The review of discount loans is still dominated by banks. If the bank evaluates that it meets the application conditions, but the loan repayment risk is high, it will still be rejected. In other words, the application may not be approved, and how to approve it may have to wait for the opinions of the bank's risk control department. If the legal person has problems with the credit information of the business license, such as the record of overdue payment in the credit information report of the central bank, it still does not meet the examination and approval conditions and will be rejected.
3. The interest return of the discount loan will only happen after repayment. Generally speaking, to apply for a discount loan, you must return the money after the maturity, that is, after fulfilling the repayment obligation, you can apply for a discount on your advance interest. Only those borrowers who keep their promises can get discounts.
Do you understand now? There is no such thing as a free lunch and no easy loan. Only by doing a good job at ordinary times and meeting the needs of national guidance can we obtain information loans.
This kind of loan mentioned by the subject does exist, but it is not everywhere.
This kind of loan is called laid-off re-employment loan, which is interest-free in the first year and normal interest-bearing in the second year. The maximum loan for women is 80,000, and that for men is 50,000. If you need to find a guarantor, you must hold an employment certificate, attend training and apply for a business license before you can apply for such a 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 be charged. At this time, all aspects of the bank will intervene.
I have the most say in handling interest-free loans in banks with business licenses. I can tell you for sure that it is possible. But the amount is not large, 6,543,800 yuan, which belongs to the government discount loan, that is, the interest is paid in advance by the employment bureau. This is very good for opening a shop, planting, starting a business and doing small business. After all, there is no interest, and the current policy is good. This 6.5438 million yuan can be used for three years.
1. All companies applying for loans from banks must obtain business licenses. If they have a business license, they can apply for interest-free loans from banks, so all companies can apply for interest-free loans.
At present, most banks have no interest-free loans.
Commercial banks are companies that pursue profits. The bank's business model is to absorb deposits and issue loans, and the deposit-loan spread is the bank's income.
An interest-free loan is a loan that the bank gives you without interest. What else does the bank earn? The deposit absorbed by the bank from the depositor is to pay interest to the depositor, and the deposit is to pay interest, but no interest is charged when the loan is given to you. Isn't the bank a net loss? Who wants to do such a job?
Is there an interest-free loan or not?
Yes, but very few, and please be clear, the loan issued by the bank needs interest, but this interest may not need to be paid by you. Who will pay the bill? Paid by the government.
Because at present, many local governments will give some preferential policies to poverty alleviation projects, agricultural projects and college students' entrepreneurial projects, including providing guarantees or interest subsidies for loans applied by banks for these projects, and even some local banks will give some subsidies. However, there is no interest-free loan when a company applies for a loan from a bank.
You can! This is called a risk loan, but not too much! Yes100000,150000,100000 is paid off once every three years, and150000 seems to be paid back in proportion for three years, with no interest during the period. This money seems to be provided by the local government. Please consult the Social Security Bureau for details. It's just a complicated procedure. First of all, you need a business license, a marriage certificate, an ID card, and a map of the location of your shop. Registration begins in May every year. You must go to the government where your account is located and get a form to fill out. These are all relatively easy. The most troublesome thing is that you need to find a couple who are both paid by the government and can't be over 50 years old. When you have done all this, you will be waiting for money. Lending money is faster, as long as the bank calls you today and asks you to sign it.
I borrowed interest-free on 13 for three years.
At that time, I needed funds to open a shop. The key is whether there is a local policy. I'm handling a business loan.
If there is a policy need, the information is as follows:
1. Marriage certificate and my (legal person) ID card.
2. It is best for the guarantor to be a civil servant with a stable job, and the guarantor's ID card.
3. Business license
If you submit the information, someone will go to the entity to see the purpose of your loan and whether there is a physical store. After the application is signed and sealed, you can go to the bank with the above information. You can get the money right away.
The key point is to consult the local government first. If there is policy encouragement, if not, interest will definitely be charged. )
The first factor is that normal bank self-employed loans need to conduct risk assessment and investigation on the operating conditions of individual industrial and commercial households, and clarify the purpose of loans. The business license is only the premise of the loan and may not be approved.
As a personal business loan or a loan for individual industrial and commercial households, having a business license is only the first step, but if you want to borrow, you need to conduct a strict inspection and risk assessment on the business situation, loan purpose and repayment source.
Under normal circumstances, both individual industrial and commercial loans and individual business loans need to provide the following materials of the applicant:
First, the original and photocopy of the legal representative's ID card and household registration book; The second is to provide the original and photocopy of the annual business license and tax registration certificate; It is best to have a three-year business report; At least half a year's bank flow and other relevant information that can prove the legal income of the legal representative; The marital status of the legal representative, such as marriage certificate, divorce certificate, single certificate, etc.; Legal and sufficient collateral or pledge; Letter of commitment from the mortgagor or guarantor, and other materials required by the bank.
Bank loans will not be granted just because you have only one business license, just as loans for supporting agriculture will not be granted just because you are a rural person. Equally important, the purpose of the loan is also an important part of the bank's review, including the rationality and legality of the repayment source of the bank loan, so as to ensure that the bank loan has sufficient repayment source.
The second factor is that banks have no interest-free loans, which is a misunderstanding of many people. But this is not the case.
There is no interest-free loan in the bank's loan business, because the bank's loan funds are deposits, which need to be paid, as well as interest. In addition, the bank's operating costs include rent, water and electricity, labor costs and various taxes and fees, which is why the bank loan interest rate is higher than the deposit interest rate, otherwise the bank will lose money.
In reality, people often question when applying for loans, why do banks need loan interest? Why can't we provide interest-free loans to people in urgent need of funds? In fact, if banks provide interest-free loans, they will lose money, which will lead to the failure to pay deposits in time, which will lead to the credit crisis of banks.
Therefore, in reality, there will be no interest-free loans provided by banks, and there will be no interest-free loans that can be handled only with a business license. This must be clear.
The third factor is whether there are interest-free loans in reality. Yes Although it is handled in a bank, it is essentially different from the general loans of banks.
My friend is in a small city in the south, where some small businesses are developed. Some relatives at home are also doing business. When talking to them in June last year, they said that many businesses are now handling interest-free mortgage loans. It is said that many people apply for interest-free loans, whether it is medium-sized businesses with assets of hundreds of millions or small businesses with only small factories, they all apply for loans with their own houses or relatives' houses. My friend's own real estate license was borrowed by several relatives.
It can be seen that you don't need to apply for a loan if you have a business license, but you have to mortgage your house to apply for a loan. In fact, what we call "interest-free loans" are not real bank interest-free loans, but interest-free loans issued by local governments to support local economic development, especially the development of small and micro enterprises and self-employed. Enterprises and individuals still need to pay interest when lending, but this interest is not borne by the lender, but subsidized by the government. The loan applicant only needs to repay the principal, which is called interest-free loan in folk simplification. However, not everyone can apply for interest-free loans, and not everyone can apply for loans as long as they have a business license, because only specific groups can apply for poverty alleviation loans for vulnerable groups, and some rural interest-free loans help them get 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 are not interest-free, but government interest subsidies. Because most government discount loans are handled through banks, people mistakenly think that they are interest-free loans from banks.
What needs to be clear is that, generally speaking, it is not a full interest-free loan, but a partial discount, and the lender also needs to pay a certain amount of interest. For example, in order to fight against the epidemic, according to the Notice of the Ministry of Finance on Supporting Financial Services to Prevent and Control the novel coronavirus Epidemic (Jin Cai [2020] No.3) issued on February 2, 2020 and the provisions of the the State Council Executive Meeting on February 5, 2020, banks are supported to produce, transport and sell key medical prevention and control materials and daily necessities, and the financial sector gives 50% preferential treatment to ensure that the corporate loan interest rate is lower than 1.6%.
There are two factors here, one is a 50% discount on finance, and the other is that the actual loan interest rate is lower than 1.6%, which means that the actual loan interest rate of the bank is around 3.2%.
It should be noted that some institutions that handle interest-free loans are not bank lending institutions, and other arbitrary charges may be hidden under the signboard of interest-free loans. For example, some lending institutions, fees, fund management fees and other expenses, the comprehensive cost is actually not lower than the interest rate.