① Bank loan
A special loan issued by an individual who has the ability to operate or has been engaged in production and business activities to apply for the capital needs of starting or restarting an enterprise and is approved by the bank for effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they 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 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 launched in many areas can also enjoy 60% government discount.
② Commercial mortgage loan
As long as the mortgage procedures meet the requirements, banks will not ask about the use of personal loans handled by many banks. 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 collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. Borrowers who need to buy cars, trucks, buses, mini-cars and taxis can also apply for auto consumption loans, which generally do not exceed 80% of the purchase price, and the loan period does not exceed 5 years.
③ secured loan
If you don't have certificates of deposit, government bonds or insurance policies, but your wife or parents have a stable income, then this can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.
Funded by the angel fund
In addition to the above three ways, there is another way to get an angel fund's venture loan.
Personal business loan application conditions:
(1) Having full capacity for civil conduct and being under 50 years of age.
② Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.
(3) Engaged in legal production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule.
(4) It has a good credit standing, is law-abiding, has no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank.
(5) Having a fixed domicile and business premises in this institution.
⑥ Other conditions stipulated by the bank.
Personal business loan requirements:
(1) Minors who have reached the age of 18 have no illegal acts, and China citizens who are not over 50 years old;
(2) the loan must be used to operate a legitimate occupation;
(3) Individuals must hold business licenses, national tax registration and other related business licenses, and have formal business licenses;
(4) How do individuals get loans? I must abide by the law, have no bad behavior and no bad credit record. And you must be able to provide mortgage, pledge or guarantor recognized by the bank, and be honest and trustworthy;
⑤ How to get a loan for individual entrepreneurship? I want to have a fixed residence and business premises in the agency, and some banks have other prescribed items.
Personal business loan application materials:
(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;
(2) personal or family income, property status and other documents proving repayment ability;
(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;
(4) Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the person with the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.
Personal risk loan amount
① The maximum amount of personal venture loan shall not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation.
② The term of personal venture loan is generally 2 years, and the longest is no more than 3 years, of which the longest term of working capital loan for production and operation is 1 year.
(3) Individual business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, which may fluctuate within the prescribed scope.