1. The lender must be 18 years old and go to the business hall with ID card and temporary residence permit or legal residence certificate.
2. To open a shop, you need to go through the formalities with the relevant departments with the license after completing the business license, and the business you operate must comply with the law.
3. The lender needs to print the bank flow in the last six months to prove that he has a stable income and the ability to repay the loan.
4. Venture loan requires the lender to have a part of the start-up funds for venture projects.
5. Lenders shall not have bad credit records and keep good credit information.
6. The lender needs to open a personal account in the loan bank, and the operating income also needs to be settled through the loan bank.
7. The bank will appropriately adjust the audit conditions according to the lender's situation.
You can only apply for a venture loan if you meet the conditions, because even if you don't meet the conditions, it is impossible to succeed in the loan. At this time, you need to have full capacity for civil conduct, repayment ability and good credit to borrow money.
What are the requirements for personal business loans?
1. Application conditions:
(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;
(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
(3) The borrower has certain self-owned funds for investment projects;
(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;
(5) Open a settlement account in the bank, and the operating income will be settled by the bank.
In addition, there are some requirements for the bank, such as the need to open a settlement account in the bank and conduct daily settlement through the handling bank.
2. Application materials:
When applying for such loans, three points are more important:
First of all, the loan applicant must have a fixed residence or business premises.
Second, business license and business license, stable income and ability to repay principal and interest;
The third and most important point is that the projects invested by entrepreneurs already have their own funds.
Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
3. Amount requirements:
Generally speaking, the amount of venture loan does 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;
The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year;
Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Loan repayment method
1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall be paid off with the principal;
2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.
What are the conditions for a venture loan?
Requirements for applying for business start-up loans:
1. identification and business premises
The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. 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.
2. Proof of funds
The loan applicant's investment project requires that he already has 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 liquidity required by lenders for normal production and business activities, purchase of small equipment, franchising, etc.
3. 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.
4. Letter of 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 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 help them get loans smoothly.
Extended data
The joint notice of the four departments requires: to ensure that entrepreneurial loans are really used for entrepreneurial employment.
20 18123 October, the Ministry of Finance, Ministry of Human Resources and Social Security, the People's Bank of China and the China Banking Regulatory Commission jointly issued a notice, requesting to further improve the monitoring and analysis of the discount policy for business guarantee loans, further promote the standardized development of business guarantee loans, and ensure that loans are really used for business start-ups.
The circular requires that all the handling banks should further strengthen the management of the credit business of venture guarantee loans, rely on the existing credit management system, speed up the implementation of internal processes, and complete the following work before the end of February 2065438+2009:
The first is to distinguish the existing loan business varieties of individuals and small and micro enterprises.
Second, in the personal business guarantee loan, 10 borrowers are distinguished: registered unemployed people in cities and towns, people with employment difficulties, demobilized veterans, released prisoners, college graduates, employees and unemployed people in enterprises with overcapacity, migrant workers returning to their hometowns to start businesses, online merchants, poor people with established files and self-employed farmers in rural areas.
The circular requires that all the handling banks should submit the business of business start-up secured loans carried out by the Bank to the basic database of financial credit information in a timely, complete and accurate manner. When submitting data, it shall ensure that the data is true and reliable. All units and their staff members shall not tamper with, damage, disclose or illegally use the data information of business guarantee loans, and shall not maliciously collude with natural persons, legal persons and other organizations to provide false data.
What are the conditions for starting a business loan and how much can I borrow?
The loanable amount of venture loan is related to the comprehensive qualification of the borrower, and the maximum loanable amount is 500,000 RMB (subject to the provisions of the local employment bureau). The conditions for bank venture loans are as follows.
1. Designated personnel can apply for business start-up loans, including but not limited to registered unemployed persons, high-efficiency graduates, veterans, disabled persons, dependents, released prisoners, landless farmers, urban and rural women, small labor-intensive enterprises and other entrepreneurs.
Two, personal credit is good, there is no bad record in the personal credit information system of the People's Bank of China.
Three, the borrower set up in the local institutions, need to establish an independent accounting management system, and tax registration according to law.
Four, the borrower must pass the training of the local employment bureau, and the qualification rate of the training must reach more than 80%.
Five, the borrower set up in the local institutions, the need to absorb the employment of local workers, and absorb the proportion of local workers is not less than 30%.
Six, in addition to student loans, poverty alleviation loans, housing loans, car loans and other loans, I and my spouse have no other loans.
Seven, you can provide loan application, employment unemployment registration certificate or proof of migrant workers returning home to start a business, my ID card and spouse (if any) ID card, household registration book, marriage certificate (if any), site lease contract and proof of property rights, personal credit report, bank flow in the past six months and other materials.
Eight, in line with other provisions of the local employment bureau.