What are the application conditions for personal business loans? 1. The borrower must be a domestic citizen with full capacity for civil conduct over 18 years old;
2. The applicant has entrepreneurial intention and can provide entrepreneurial certificate or plan;
3. Having certain start-up capital and fixed business premises;
4. Being able to provide a loan guarantor;
5. The applicant has sufficient repayment ability to repay the loan principal and interest on time;
6. The borrower's personal credit is good and there is no bad repayment record;
The process of personal micro-business loan 1 Preparing loan materials in advance is very helpful for successfully handling loans when applying for small loans. According to Bian Xiao, the application materials for personal microfinance mainly include the second-generation ID card and a copy; Bank statements for the last 3-6 months; Proof of residence, usually water and electricity bills.
2. Check the credit report in advance. Because personal microfinance does not require the borrower to provide collateral, it is very important for the borrower's personal qualification, the most important of which is personal credit record. Banks generally only look at the credit status of the last two years. Generally speaking, the overdue limit is that it cannot exceed two times in the past three months, three times in the past six months and four times in a year. Bian Xiao suggested that you can ask in advance, but not too often.
3. Choose a formal lending institution. As more and more borrowers apply for personal micro-loans, the available lending institutions become diversified.
What kind of people are easy to apply for personal business loans 1, fresh graduates?
The state gives preferential policies to college students who start their own businesses within two years after graduation, and banks allow them to provide installment loans after obtaining business licenses. However, such loans have many additional conditions and low quotas, which are insufficient to meet the entrepreneurial needs of college students. Because they have just entered the society and have no economic strength, they are not the golden target groups of banks and lending institutions, so it will be relatively difficult to apply.
2. Business owners
Generally speaking, it is relatively easy for business owners to apply for loans to expand their business scale and obtain working capital. They need to provide business license (registration time 1 year or more), tax payment certificate and other related materials, and everything will be fine if their credit status is good.
3 people with real estate or certificates of deposit, treasury bills and other pledges.
If such people want to start a business, it will be easier and simpler to apply for small loans, and the amount of funds will be greater. In addition to providing the required procedures, banks and lending institutions will also welcome the icing on the cake to provide real estate licenses or show pledges such as certificates of deposit and treasury bills, indicating that they have strong repayment ability and the application will be successfully passed.
4. laid-off workers
Because laid-off workers have lost their steady income, it is difficult for them to apply for personal loans when starting a business. But if it can be proved that entrepreneurial projects have great market potential and competitiveness, banks and other lending institutions will consider it. Is it possible? Give me a break. .
5. Working class
If such people have stable income and good credit status, they are more likely to apply for personal loans when starting a business. Because banks and lending institutions are interested in their stable income, that is, the ability to repay loans, which can reduce the risk of funds.
Through comparison and self-analysis, formal institutions are selected to apply for personal business loans, so the success rate is high. Finally, I wish everyone can apply for a business loan.