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.

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 amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. Related books

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.

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 facilitate the smooth acquisition of loans.

Application procedure

Preparation materials:

These materials include proof of identity, proof of marital status, 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.

Fill in the application form

The applicant holds the business plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for a business loan.

Get a recommendation:

After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the conditions of the opening loan, it should sign the recommendation in the recommendation 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.

Identity confirmation:

The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account Loan.

Bank acceptance bill:

The applicant shall submit a loan application to the designated bank acceptance point with the "Application for Starting a Business Loan" signed with recommendation opinions and identity confirmation opinions, and provide relevant materials.

Loan review:

The bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of 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.

Apply for a loan:

After accepting the bank's opinions on loan guarantee, the lender's individual (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.