Conditions of risk loan:
Apply for entrepreneurial conditions:
1. The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises.
2. The loan applicant must be 18-50 years old.
You must be unemployed for 6 months before you can apply.
4. You must go through the relevant formalities at the labor and social security department where the household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located.
The applicant's investment projects require him to have some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
6. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
7. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.
8. Other loan conditions stipulated by the relevant lending bank.
Second, how do you apply for a loan if you want to start a business?
Hello, Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Du Xiaoman APP (click on the official measurement). The daily interest rate of money consumption loans is as low as 0.02%, and the annualized interest rate is as low as 7.2%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.
Hello, how to apply for a loan when starting a business?
Identification and business premises:
Proof of loan and proof of legal residence at the place where the loan bank is located, as well as proof of fixed residence or business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
money
The loan applicant's investment project requires that he already has some self-owned funds. This is the bank's measure, that is, the amount of venture loans is generally required not to exceed 70% of the total liquidity required by the lender for normal production and business activities, as well as the total liquidity required for purchasing (installing or repairing) small equipment and franchising. Related books
Settlement account:
The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.
Loan guarantee:
Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also try their best to provide some information about their credit status, repayment ability and loan investment to loan integrity, so as to obtain loans smoothly.
Application procedure
Preparation materials:
These materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; The materials used in the loan involve the ownership certificate and list of the collateral or pledge, and the collateral issued by the evaluation department recognized by the bank. There are many ways of mortgage, such as chattel, real estate mortgage, time deposit certificate pledge, securities and so on.
Fill in the application form
The applicant holds the business plan (or loan project book) and puts forward the demonstration requirements to the loan experts. Those who pass the demonstration can apply for a business loan.
Get a recommendation:
After demonstrating the project application, the recommender shall sign the recommendation opinion in the recommendation opinion column if he meets the requirements of the opening loan; If it does not meet the requirements, it shall return the relevant materials provided by the applicant.
Identity confirmation:
The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account Loan.
Bank acceptance bill:
The applicant submits the loan application to the designated bank acceptance point with the signed recommendation letter and identity confirmation letter, and provides relevant materials.
Loan review:
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 Application for Opening an Account Loan and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions.
Apply for a loan:
After the accepting bank obtains the loan guarantee opinion, the system requires the lender to handle the individual (continued.