1. 18 years old or above, with full capacity for civil conduct.
2. Entrepreneurial projects are in line with national policies and have certain development potential and market prospects.
3. Having a legal and valid identity certificate and a legal residence certificate at the place where the loan bank is located, and having a fixed residence or business premises in the local area, and being able to provide a business license issued by the administrative department for industry and commerce and a business license of related industries to prove that it is engaged in normal production and business activities.
4. Investment projects need some self-owned funds.
5 stable income, with the ability to repay the loan principal and interest on schedule.
6. Personal credit is good, and there is no bad record in the credit report.
7. There is a settlement account in the loan bank, and the operating income must be settled by the bank.
What we need to pay attention to is that customers can apply for loans purely on the basis of credit, and they can also provide certain guarantees or mortgages and pledges, which can increase the integrity of loans so as to obtain loans more smoothly, and the amount of approval may be higher.
Process of applying for venture loan:
1. Preparation materials These materials include documents on repayment ability such as identity certificate, marital status certificate, personal or family income and property status; 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 applicant's business plan (or loan project book) and put forward the demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for an "application for business loan".
3. After obtaining the recommendation organization to organize experts or relevant personnel to demonstrate the application project, if they meet the conditions of the opening loan, they should sign the recommendation in the recommendation column of the Application for Opening Loan; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant.
4. Identity confirmation The applicant obtains 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 for Loan.
5. The bank accepts the "Application for Opening a Loan Account" signed by the applicant with recommendation opinions and identity confirmation opinions, submits the loan application to the designated bank acceptance point, and provides relevant materials.
6. The loan audit 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 for 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.
7. After receiving the loan guarantee opinions, the accepting bank can handle the lender's personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.