If you want to apply for a business start-up loan, bring your personal ID card, local legal residence certificate (household registration book or temporary residence permit), income certificate such as bank running water, business license issued by the administrative department for industry and commerce, business license of related industries and other materials to the selected bank to apply, collect the application form at the counter, fill it out, and then submit the form together with the materials to the bank, and wait patiently for the bank to review.
If approved, the customer will sign the loan contract at the outlet within the agreed time.
After the relevant procedures are completed, the bank will lend money.
Everyone needs to pay attention to the following:
1. At least 18 years old, with full capacity for civil conduct;
2. Having a fixed residence or business place in the local area and engaging in normal production and business activities;
3. Entrepreneurial projects meet the requirements of national industrial policies and have certain development prospects and market potential;
4. Good credit;
5. Have certain self-owned funds and the ability to repay on time.
6. There is a settlement account in the loan bank, and the operating income must be settled by the bank.
The consultation of venture loan is generally to go to the local human resources and social security bureau or the professional management service center of college students' pioneer park. Some banks also undertake entrepreneurial loans for college students, and the regulations in different regions are different. Please refer to the actual situation of the application place.
In addition, to apply for college students' entrepreneurial loans, you usually need to have a college degree or above, have a fixed residence or business premises, and hold a business license.
If the loan application is overdue, we can follow the following methods. 1. Ask your family for help: If you encounter difficulties in the process of starting a business and can't repay it, you may wish to explain the difficulties to your family, repay it first and give yourself a certain buffer time. I believe your family will be happy to share this difficulty with you for the time being.
2. Minimum repayment amount: If your loan amount is large, you can try to explain the difficulties to the lending institution, apply for the minimum repayment amount, and pay it back together when your entrepreneurial project is more profitable. As long as you have a good willingness to repay, you may agree to apply.
3. Credit card repayment: If you have one or two credit cards in your hand, you may wish to repay with the amount of the credit card first. Although this is a way of robbing Peter to pay Paul, it is a good way in the face of overdue consequences, and the minimum monthly repayment amount of credit cards is generally relatively small, which greatly reduces the repayment pressure.
4. Apply for loan extension: If your loan has been in good condition, but it is only temporarily difficult to turn around, you can apply for loan extension from the lending institution to express your positive attitude of being willing to repay the loan. Compared with the consequences of not repaying the loan, the lending institution will still be willing to give you some time.
There are more and more people starting businesses now, but starting a business is not as simple as everyone thinks. We need not only certain economic strength, but also certain opportunities.