The application process of venture loan is as follows: 1. Preparation materials: These materials include identity certificate, marital status certificate, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. 2. Fill in the application form: The applicant holds the business opening plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business opening experts. Those who pass the demonstration can apply for a business loan. 3. Obtaining recommendation: After the recommending institution organizes experts or relevant personnel to conduct demonstration on the application project, those who meet the requirements of the opening loan shall sign the recommendation opinion in the recommendation opinion column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. Iv. Identity confirmation: The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs in the identity confirmation column of the application for opening a loan. The bank accepts the applicant's Application for Opening an Account with the signed recommendation and identity confirmation, submits the loan application to the designated bank acceptance point, and provides relevant materials. V. Loan review: The bank shall make comments on loan review within 10 days from the date of acceptance, fill in comments in the column of bank review comments in the Application for Opening an Account Loan, and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions. 6. Handling loans: After accepting the bank's opinions on loan guarantee, the lender can handle the personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.
How to apply for a venture loan?
1. Search the human resources and social security departments of this province as shown in the figure.
2. The window for finding employment and unemployment opens, as shown.
3. Pull the page below and find the startup loan as shown in the figure.
4. The following are the details of the loan and the supporting objects.
1, eligible registered unemployed persons in cities and towns in the province.
2, employment difficulties (including the disabled)
3. Demobilized veterans
4. People released from prison
5. College graduates (including college student village officials and returned students)
6. Resolving employees and unemployed people in enterprises with excess capacity.
7. Migrant workers returning home to start businesses
8. Online merchants
9. Establish file cards for poor people and other types of independent entrepreneurs.
5. Support time
1. The maximum support period of personal business guarantee loan shall not exceed 3 years.
2, the partnership or organization * * * has a business support period of not more than 3 years.
3. For small and micro enterprises and employment promotion bases and business incubation bases recognized by the human and social departments, the longest support period shall not exceed 2 years.
6. Personal commercial loans
1, personal business guarantee loan in poverty-stricken areas, giving full discount.
2. Personal business guarantee loans in other regions are fully discounted in the first year, 2/3 in the second year and 1/3 in the third year.
Second, the partnership venture loan
According to the quota of 6,543,800 yuan per qualified partner, the interest will be discounted with reference to the personal business guarantee loan.
Third, small and micro enterprise loans.
If the amount is less than 2 million yuan, it will be given a discount of 50% of the loan preferential interest rate on the day when the loan contract is signed. If the employment promotion base and business incubation base are within 2 million yuan, the preferential interest rate of the loan will be given in full according to the date of signing the loan contract.
7. Personal business loans
1. Copy of the applicant's ID card and household registration book;
2. Copy of marriage certificate, spouse's ID card and household registration book (unmarried people do not need to issue them);
3. Business license (business license or breeding and breeding contract issued by relevant departments; Enterprise business license can also apply for personal business guarantee loans);
One of the identification materials of 4.9 entrepreneurs;
5. A copy of the counter-guarantor's ID card and proof of salary income; Copy of mortgage or pledge (if the bank bears all risks, this material is not needed).
loan application
The entrepreneur applies to the venture loan guarantee center of the venture project with the application materials. Online application is handled according to the online process.
2. Audit investigation
The local venture loan guarantee center shall verify the authenticity of the application materials, and assign special personnel (at least two persons) to conduct on-the-spot investigation on the applicant's (small and micro enterprises) venture projects together with the handling financial institutions. .
3. Bank loans
According to the opinions of the venture loan guarantee center, the handling bank shall timely issue loans in accordance with relevant regulations and procedures.
8. Click on the policy consultation, and you can see the contact numbers of loan centers in different cities as shown in the figure.
Extended data:
The significance of risk loan;
Maintaining social stability: providing financial support to the poor can make the poor see hope. Venture loan is not only a good way to ensure social stability, but also a moral and political project to win the hearts of the people.
Promote economic development: Venture loan is a financial lever for people to get rid of poverty and become rich. Providing entrepreneurial loans can not only make full use of financial leverage, but also greatly promote the development of individual and private economy, help people get rid of poverty and become rich, and enhance the credit awareness of the whole society.
Deepening financial reform: Venture loan conforms to the national conditions, is the driving force to catalyze the change of financial concepts and accelerate national rejuvenation, and is a unique financial product in the primary stage of socialism.
Opening wider to the outside world: China is a country with a large number of poor people, and start-up loans will play an important role in credit poverty alleviation activities.