Choosing a bank loan to start a business is simply not reliable. The loan conditions of those banks are generally difficult to meet. The loan conditions of the four major banks mentioned above are higher than those of other banks. I suggest you earn enough money in a down-to-earth manner. Hope to adopt. I'm not throwing cold water on it. I've been there myself.
Second, what bank can start a loan?
With the acceleration of economic rhythm, more and more friends begin to understand investment and financial management, which has become the first choice of many entrepreneurs. Learn about venture banks together with Tuotian Express Loan Internet financial information service platform: img src ='/large/PGC-image/15209340602694C72362776'/Bank of China and Bank of China provide you with two kinds of venture loans, namely, personal investment loan from China Bank and personal investment loan from Kodak Bank in China. Generally, it is necessary to apply for small-scale venture loans, which belong to the category of investment and operation loans. The starting point of personal investment and entrepreneurship loans is 30,000 yuan, the maximum amount is generally not more than 3 million yuan, and the longest loan period is not more than 5 years. The "venture loan" business of small and micro enterprises launched by CCB is a circulating RMB credit loan business for short-term production and operation turnover issued by CCB to small and micro enterprises with business, responsibility and credit. The maximum loan amount is RMB 6,543,800 yuan. During the validity period of the credit line, the loan can be recycled. The longest term of revolving loan is 1 year, which is a pure credit loan and does not need secured mortgage. China Industrial and Commercial Bank (ICBC) is very strict in auditing the loan business. Therefore, if you want to apply for ICBC's Wechat business loan, you must first understand the loan conditions and preparation materials, and then go to the counter to apply. The maximum loan amount is 3 million yuan, the loan period is within 1 year (inclusive), and the interest can be paid monthly, quarterly or once. If the loan term exceeds 1 year, the principal and interest shall be repaid monthly. Related questions and answers: What is rural youth entrepreneurship? Rural youth entrepreneurship microfinance refers to the cooperation between organizations at all levels and agricultural banking financial institutions (such as China Agricultural Bank, rural credit cooperatives, rural cooperative banks, rural commercial banks, etc.). ), issued by agricultural banking financial institutions, for rural youth (under 40 years old) to engage in production, business and other entrepreneurial activities.
3. Which banks provide venture loans?
China Merchants Bank has not provided personal commercial loans. If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply. The maximum loan amount of "lightning loan" is 300,000 yuan, and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
Tips If you can't apply, you can apply for mortgage, car loan and consumer loan. Depending on the purpose of the loan. This kind of loan is earmarked and paid directly to the counterparty, so you can't borrow money.