I saw a bank's self-employed loan on a website before. Commercial loan link is a loan product provided by Minsheng Bank for small and medium-sized merchants, which belongs to a kind of joint guarantee loan. There is no maximum loan amount for the commercial loan link of Minsheng Bank, and the longest loan period can be as long as 10 year. Loans can be borrowed and repaid, and loans can be recycled. There are as many guarantee methods as 1 1. For the loan demand of small and medium-sized merchants,

Minsheng Bank has different loan terms and different interest rates. The one-year short-term loan interest rate is 4.35%, the five-year medium-and long-term loan interest rate is 4.75%, and the long-term loan interest rate over five years is 4.90%, which is much more favorable than the commercial loan interest rate of other banks.

What are the requirements for applying for Minsheng Bank Commercial Loan Link?

1. The applicant must have full capacity for civil conduct, own or control the business entities of small and medium-sized industrial and commercial households or small and medium-sized enterprises, and have no bad credit records in their operations;

2. The applicant must have three years or above working experience in the industry, the loan enterprise must be established for more than one year, the number of individuals with joint guarantee should be three or more, and the credit record of the enterprise is good.

3. The applicant shall open a personal settlement account in Minsheng Bank, and the loan enterprise shall also open a corporate settlement account in Minsheng Bank. The applicant should have a fixed residence and valid residence status at the location of Minsheng Bank.

4. Before handling the application, the applicant needs to prepare the identity documents of the applicant and guarantor, the original and photocopy of the household registration book, the financial statements of the loan enterprise, tax bill vouchers, bank statements and other assets certificates required for the loan.

Hello, I want to open a shop with a loan. How can I get a loan? How much can I borrow?

Basic terms: 1. Loan target: China citizens who have reached the age of 18 and have full capacity for civil conduct, and the sum of the borrower's age and the loan period is not more than 60 years old; . 2. Loan amount: The maximum credit amount is basically unlimited. 3. Loan term: The loan term is generally 1 to 3 years (inclusive); 4. Loan interest rate: subject to the provisions of bank loan interest rate; 5. Guarantee method: the guarantee is mortgage, pledge, guarantee, etc., and the guarantee provided solely by a third party is not accepted. 6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract. 7. Application materials to be provided: (1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse; (2) Proof of the borrower's spouse's commitment to repayment; (3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement; (4) Proof of loan use (such as house purchase contract, etc.). ); (5) the tax payment certificate of production and business activities; (6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property; (7) Collateral appraisal report issued by the appraisal department recognized by the bank; (eight) other information required by the bank. Handling process: 1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. For the loan approved by the bank, after all formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower.

I want to open a shop with a loan. How can I get a loan from the bank?

Hello, according to a survey conducted by the National Information Center, the issue of fund-raising has now become the primary focus of individual entrepreneurship. More than 80% of entrepreneurs do not know how to borrow money, or are afraid to borrow money at all. The shortage of funds made them miss a great "business opportunity".

However, what excites individual entrepreneurs is that China Bank, China Everbright Bank, China Guangfa Bank, China CITIC Bank and other financial institutions in Beijing have recently launched loan varieties specifically for individual entrepreneurs, while Agricultural Bank and Minsheng Bank are also planning larger loan plans. Individuals can raise funds through early loans and realize the "boss dream" step by step.

■ BOC, China Everbright and Guangfa have their own emphases.

It is reported that the "personal venture capital loan" with the maximum amount of100,000 yuan by China Bank has been jointly launched with some guarantee companies in Beijing. There are two loan methods: one is personal project investment loan, which is suitable for customers' medium and long-term large investment capital demand and highlights the characteristics of venture capital. The longest loan period can reach 5 years, and the maximum loan amount can reach100000 yuan. We can also tailor different repayment methods according to customers' needs, such as monthly or quarterly repayment of principal and interest. Second, personal short-term liquidity loans are suitable for customers' short-term liquidity needs and reflect the characteristics of auxiliary business operations. The maximum loan amount of this product can reach 7 million yuan, and the loan period does not exceed 1 year. High-quality customers can also apply for "one-time credit and recycling" revolving loans, which can be recycled within the approved credit line.

Everbright Bank has also launched a "personal student loan". "Personal employment loan" includes many detailed products such as personal and private owners' working capital loan, study abroad loan, student loan and "construction machinery loan". According to the different loan methods, it can be divided into single loan (that is, the starting point of one-time loan granted by the bank to eligible borrowers is 65,438+0,000 yuan, and the longest loan period does not exceed 5 years) and loan line credit (that is, you can apply for a loan from the bank at any time within the credit line and the validity period, and the repaid part of the loan line can be recycled without repeated mortgage, pledge or guarantee).

China Guangfa Bank Beijing Branch launched the "Private 100" plan for private enterprises, focusing on encouraging individuals to establish private enterprises and the further development of existing private enterprises. Among them, the "Venture Insurance" series of financial products, in view of the good property status of individual shareholders of private enterprises, give individual credit lines to shareholders of private enterprises and provide mortgage (pledge) services for houses, land and securities (including bank deposit certificates and underwriting government bonds). ), the joint and several liability guarantee of natural persons and legal representatives, as well as personal venture loans and joint company loans under other guarantee methods recognized by Guangfa Bank.

■ "Venture loan" has a certain "threshold"

However, banks generally need three conditions to provide loans to enterprises or individuals: pledge, mortgage and guarantee. Pledges include certificates of deposit, treasury bills and corporate bonds. Collateral refers to real estate such as land, real estate and enterprise equipment. The guarantee is mainly provided in whole or in part by some guarantee companies recognized by banks. Investors should note that it is generally difficult to obtain a loan of 100% by pledge or mortgage. Taking mortgage as an example, the loan amount may be 60% or 30% of the value of the mortgaged goods, and the guarantee will be paid to the guarantee company at a high cost.

The reporter learned that in order to control risks and simplify various loan procedures, many banks have adopted various means. For example, in view of the shortage of talents and irregular financial management in the initial stage of some private enterprises, Guangfa Bank sent special personnel to implement "credit counseling management" for enterprises, providing them with necessary consultation and training in banking business, accounting system and credit rating, helping them to establish a sound credit system, and providing private enterprises with all-round financial services such as deposit, settlement, receipt and payment, information consultation and financial consultation. Both banks and enterprises achieve the goal of * * * sharing business risks and profits.

■ Individual entrepreneurship needs policy support.

Although individual venture loans have been warmly welcomed by the vast number of individual operators and private owners, there are still some unavoidable problems. This kind of business object is some small and medium-sized private enterprises, whose main body is individuals, but their nature is companies. That is to say, it refers to loans between enterprise loans and personal consumption loans, which are used for small and medium-sized enterprises to invest and operate customers. However, Document No.2001of the People's Bank of China clearly stipulates that commercial banks shall not issue personal consumption loans without specific purposes. This is mainly to prevent bank funds from flowing into the stock market. Therefore, banks are reluctant to give up this huge credit market, but they are wary of it. In addition, the uncontrollable risks in entrepreneurship also make banks set a higher threshold when lending, which also makes some entrepreneurs question that "venture loans look beautiful, but it is still difficult to do".

Recently, Tang Min, the chief economist of the Asian Development Bank, said in an interview that it is still very difficult for laid-off workers and unemployed people who badly need loans but can't get the certificates of deposit and mortgage they need. Even if they are looking for a commercialized guarantee company, how can they invest money in individuals with poor quality and full of "unknowns" in their business plans? According to Tang Min, in the United States and other countries, the government usually gives the unemployed some investment training first. After determining the investment plan, investors also take out some funds from the "venture fund" set up by the government or social organizations, and entrepreneurs also take out some funds, which will be rolled out first, and then seek bank loans for support after the enterprise has a certain scale. This method is worth learning from in China.

In a word, personal business loans are still in the primary stage of development and need clear policy guidance. It is necessary to establish special management of small and medium-sized enterprises to make the funds and integrity of enterprises transparent. Only in this way can personal business loans go further and be more stable. Attachment: How to obtain the applicant's conditions for personal business loans:

Personal investment and entrepreneurship loans have a wide range of applications. Individuals, individual industrial and commercial households and sole proprietorship enterprises can apply for investment loans as long as they meet certain loan conditions and can provide bank-approved guarantee methods. In addition, banks will also have specific regulations.

The applicant should also provide relevant documents. For example, the construction machinery loan of China Everbright Bank requires that the borrower's age plus the loan time should not exceed 65 years old. Personal employment loan customers should provide personal identity certificate, income certificate, instructions on the use of funds and certification materials related to the guarantee. Guarantee method:

Banks generally need three conditions to provide loans to enterprises or individuals: pledge, mortgage and guarantee. Pledges include certificates of deposit, treasury bills and corporate bonds. Collateral refers to real estate such as land, real estate and enterprise equipment. The guarantee is mainly provided in whole or in part by some guarantee companies recognized by banks. The personal business loan of China Everbright Bank can be secured by real estate mortgage, securities pledge and guarantee company, which can be used alone or in combination. The guarantee method of construction machinery mortgage loan is also very flexible: the purchased vehicle is mortgaged, the dealer provides full guarantee, and the insurance company provides performance guarantee insurance; When the purchased vehicle is mortgaged, the manufacturer shall provide full repurchase guarantee or pledge the full property (including real estate and valuable documents) recognized by the bank. Loan amount and term:

China Bank's personal project investment loan is suitable for customers' medium and long-term large investment capital needs, with a maximum loan amount of 6,543,800 yuan and a maximum loan period of 5 years. Personal short-term revolving loan is suitable for customers' short-term liquidity needs. The maximum loan amount can reach 7 million yuan, and the loan period does not exceed 1 year. The initial amount of a single personal loan of China Everbright Bank is 1 1,000 yuan, and the longest loan period is no more than 5 years. The highest loan ratio of the bank's construction machinery loans is 70%, and the longest term is no more than 3 years. Under normal circumstances, the loan credit line is comprehensively determined according to the value of the collateral and the guarantee situation, and shall not exceed the sum of the maximum loanable amount and the guarantee line calculated according to the value of the collateral and the corresponding collateral ratio. In other words, it is generally difficult to obtain 65,438+000% pledge and mortgage loans. The term of the loan credit line (calculated from the date of approval) shall generally not exceed 5 years, and shall not exceed the validity period of the corresponding mortgage contract, pledge contract and guarantee contract. Repayment method:

Banks have different methods. For example, the personal project investment loan of China Bank can repay the principal and interest on a monthly or quarterly basis; Borrowers of China Everbright Bank's construction machinery mortgage loan can use two monthly repayment methods: equal principal and interest repayment method and average capital repayment method. In addition to these two ways, if the loan term is within one year (including one year), it is also beneficial to repay the principal with the interest paid every month. Loan interest:

Loan interest will be a relatively large expenditure in personal business loans. According to the regulations of the People's Bank of China, the current short-term loan interest rate is 5.04% within six months (including six months), 5.3 1% from six months to one year (including one year), 5.49% from one to three years (including three years) and 5.58% from three to five years (including five years). In particular, lenders should pay attention to the fact that banks have the right to float the loan interest rate within 30% according to the loan risk. Because personal venture capital loans are generally risky, banks are likely to raise interest rates. At the same time, in case of loan interest rate adjustment, new loans will be implemented at the new interest rate; If the original loan term is within 1 year (including one year), the contract interest rate shall be implemented, and interest shall not be calculated by installments; If the original loan term exceeds 1 year, annual adjustment will be implemented, and the latest regulations of the People's Bank of China will be implemented next year.

Seeking adoption is a satisfactory answer.

4. Can I get a loan to open a shop without a job?

If you don't have a job, you can get a loan to open a shop. Eligible, personal business loans are given priority. There are three main types of risk loans: bank loans, commercial mortgage loans, secured loans and angel funds.

(1) Bank loans are issued by individuals who have the ability to operate or have engaged in production and business activities. The fund demand for starting or re-starting is approved by the bank as a special loan with 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) Many personal loans handled by commercial mortgage banks, as long as the mortgage procedures meet the requirements, banks will not ask about the purpose of the loans. 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 a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it 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. In addition to the above three ways, angel fund also has a way of financing venture loans.