Your property is worth 400,000 yuan. To apply for a business loan, you can directly take the bank as collateral, and you can only borrow 4- 10 times of your monthly income.

I want to know if your property is full, but the amount is relatively small, not exceeding 65,438+10,000, and now the credit has been tightened. Although Ping An Easy Loan is unsecured, it can generally get 60% to 70%, which is about 250,000.

If necessary, you can click Baidu hi to contact us for consultation.

Ii. Policy-oriented commercial guarantee loan 202 1

Loans for small and micro enterprises: small and micro enterprises that meet the requirements of statistical classification of large, medium and small enterprises (20 17) (Guo Tongzi [20 17] No.213). And in that year (before the qualification examination or before the loan issuance 12 months), the number of new recruits (registered unemployed people in cities and towns, people with employment difficulties, retired soldiers, released prisoners, college graduates, unemployed people in enterprises with excess capacity, and poor people who set up files and set up cards) who meet the application conditions for entrepreneurial guarantee loans reached/kloc-0 of the existing employees of enterprises (more than 100). The maximum amount, duration and discount policy of business start-up guarantee loan for qualified small and micro enterprises, the maximum loan is not more than 3 million yuan, and qualified individual entrepreneurs can apply for a business start-up guarantee loan of up to 600,000 yuan. The cumulative loan times of registered entrepreneurs in Shenzhen shall not exceed 3 times, and the maximum loan period for small and micro enterprises shall not exceed 3 years, and the maximum loan period for individual entrepreneurs shall not exceed 3 years. Since 202 1 1 1, the loan interest rate shall not exceed LPR50 basis points, and the interest of newly issued business guarantee loans below LPR- 150BP shall be borne by the borrowing enterprise, and the rest shall be subsidized by the financial department. Small-sum secured loan for business start-up refers to a loan business in which a guarantee fund is set up with government investment, and a guarantee institution is entrusted to provide loan guarantee, which is issued by the handling commercial bank to solve the problem of insufficient self-raised funds for people who meet certain conditions to engage in business start-up, including start-up funds and working capital for self-employment, self-employment or partnership organizations. Under normal circumstances, if you want to apply for a small secured loan, you must attend an entrepreneurship training first, and then submit an application for a small secured loan to the community labor and social security department where the entrepreneur's account is located. Of course, in addition to this small secured loan application, you also need ID card, employment or unemployment registration certificate, project report, graduation certificate and various materials required by local guarantee institutions. Policies in this regard are different. 2. Nationwide, eligible applicants include college graduates, returning migrant workers, retired soldiers with valid certificates and unemployed people approved by the labor and social security department. Most of the small-sum secured loans for business start-ups are relatively small, with the online maximum amount of 8000-65438+ 10,000 yuan. The term of the discount loan is relatively short, usually two years, but you can apply for an extension after the expiration, and you need to pay interest during the extension. Basically, this kind of small secured loan will require a third party to provide guarantee, but entrepreneurs should pay attention to three points. 1. Husband and wife cannot guarantee each other; Second, people with household registration outside the loan place cannot guarantee; Third, retirees cannot guarantee. Third, the small-sum secured loan for starting a business refers to the loan business in which the government invests to set up a guarantee fund, entrusts a guarantee institution to provide loan guarantee, and is issued by the handling commercial bank to solve the problem that the unemployed who meet certain conditions have insufficient self-financing for starting a business, including the start-up capital and working capital of self-employment, self-employment or partnership organization. The application amount and loan term of small secured loans [1] The state stipulates that the maximum amount of individual application should not exceed 50,000 yuan, and different regions have different regulations on the application amount of small secured loans, and many regions even have the amount higher than 50,000 yuan. Partnership loans are bigger. The loan guarantee period generally does not exceed 2 years, which can be extended by 1 year.

3. What are the conditions for individual entrepreneurship loans in Hefei?

Anhui Lending Network will answer for you: College students who have reached the age of 18 have legal and valid identity certificates and legal residence certificates at the location of the loan bank, and have a fixed residence or business premises; (2) the business license issued by the administrative organ, engaging in legal production and business activities, having stable income and the ability to repay the principal and interest; (3) The investment project has certain self-owned funds; (4) The College Students' Entrepreneurship Loan Law and the bank credit policy stipulate that it is not allowed to open a settlement account in a bank for settlement.

Four, Hefei venture loan policy 202 1

Preferential policies and application requirements for college students' entrepreneurial loans

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; If you start a business with a certain scale or become a re-employment star, you can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers and college students to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers and college students launched in many areas can also enjoy a 60% discount from the government.

College students' entrepreneurship loan is a preferential measure provided by the state to college students. 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.

Loan requirement

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment; (5) Open a settlement account in a bank, and the operating income will be settled by the bank.

preferential policy

(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.

Relax the field of entrepreneurship

All kinds of entrepreneurs can enter industries and fields not prohibited by laws and regulations and enjoy relevant preferential policies equally.

Relax the registration title

Enterprises and individual industrial and commercial households that bid in accordance with the law are not restricted by registered capital, and are titled as "Anhui Province", which is directly declared and approved by the Municipal Administration for Industry and Commerce.

Relax the scope of preparatory business license.

If the business scope of the enterprise applying for registration involves pre-administrative examination and approval, but we are unable to submit the examination and approval documents and certificates, the industrial and commercial authorities may mark "preparation" after changing the business scope, and issue a business license for the preparation period.

"Zero Down Payment" for College Students' Entrepreneurial Registered Capital

College graduates who invest less than 500,000 yuan to set up a limited liability company within two years after graduation can register with "zero down payment" and pay their registered capital in full within three years from the date of establishment of the company.

Clarify the registered proportion of non-monetary assets.

Investors are allowed to set up small and medium-sized enterprises with intellectual property rights, scientific and technological achievements and other non-monetary assets at a fixed price, and intangible assets can contribute up to 70% of the registered capital of the enterprise.

Exempt from administrative expenses

Administrative fees related to management, registration and certification for college graduates, registered unemployed persons and returning migrant workers.

Clear entrepreneurial support groups

For college graduates and secondary vocational and technical school graduates within two years of graduation, registered unemployed people, returning migrant workers, etc. Engaged in individual business according to law, in addition to the exemption of relevant administrative fees, self-raised funds are insufficient, can apply for a small secured loan of not more than 50 thousand yuan; In line with the conditions of small-scale low-profit enterprises, enterprise income tax will be levied at a reduced rate of 20%, and a certain proportion of loan interest will be given according to regulations.

Preferential policies for entrepreneurship support

For informal employment organizations, industrial and commercial registration is exempted within three years: those who have been operating normally for more than 12 months and paid social insurance according to law will be given a one-time subsidy of 2,000 yuan/person for entrepreneurs and 4,000 yuan/person for those with employment difficulties; Entrepreneurial entities that recruit registered unemployed persons, sign labor contracts for more than 1 year and pay social insurance premiums according to law will be given a one-time subsidy of 1500 yuan/person, and a one-time subsidy of 2,000 yuan/person for those with employment difficulties.

Preferential policies of pioneer park

For entities established according to law, such as college graduates and secondary vocational and technical school graduates, registered unemployed people, returning migrant workers, etc. Within 2 years after graduation, in addition to relevant administrative fees, property management fees, health fees and other management fees will be exempted, venue fees will be halved, and utilities will be appropriately reduced. The reduced part is paid from the site fee paid by half: for those with insufficient self-raised funds, small secured loans can be provided; Recruit people with employment difficulties, sign labor contracts for more than one year and pay social security fees according to law, and give social security subsidies for the corresponding period; Recruit zero-employment family members in cities and towns, and give them a one-time employment reward; For the low-profit enterprises that leave the park after the expiration of three years of cultivation, if they are in line with labor-intensive small enterprises, they can provide two small secured loans to support them.

Preferential tax policies for college graduates and secondary vocational and technical school graduates to start businesses within two years after graduation.

College graduates and secondary vocational and technical school graduates within two years of graduation are exempted from labor and personnel agency fees when starting a business, and enjoy linkage services such as entrepreneurial projects, entrepreneurial training and information consultation free of charge; Entrepreneurial projects in line with the city to encourage the development of industrial fields, to give small secured loans and discount support. College graduates who have graduated for two years and are engaged in self-employment according to law shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within one year from the date of first registration by the administrative department for industry and commerce; For college graduates and secondary vocational and technical school graduates who set up and lead scientific and technological enterprises in scientific and technological enterprise incubators created by governments at all levels and pioneer parks within two years after graduation, they are exempt from paying rent within three years; Engaged in community service industry and agricultural entrepreneurship, according to the number of employed people, give special entrepreneurship subsidies.