What are the conditions for a venture loan?

1. What are the requirements for a venture loan?

Venture loans require residents who hold a business license issued by the administrative department for industry and commerce of this Municipality, open an account in a loan bank, have no bad credit record or illegal behavior within three years, can provide guarantee conditions and take counter-guarantee measures for real estate mortgage, and are over the age of 18.

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has been engaged in production and operation, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee.

The requirements for risk loans are as follows:

1. Hold the business license issued by the administrative department for industry and commerce of this Municipality.

2. Opening an account with a loan bank, and having no record of bad credit or illegal behavior within three years.

3. Can provide guarantee and counter-guarantee measures or meet the conditions for exemption from counter-guarantee.

4. Self-operated projects need to provide real estate (movable property) that can be mortgaged (pledged) in the relevant registration departments of this Municipality or natural persons registered in this Municipality as counter-guarantee (except for projects exempted from counter-guarantee).

5. Be at least 18 years old and hold my valid identity certificate and residence certificate.

6, the partnership project can only take real estate (chattel) mortgage (pledge) counter-guarantee measures.

It should be noted that the counter-guarantor should be a natural person registered in this city and cannot have a husband-and-wife relationship with the borrower. Need to work in the city's financial allocation units or participate in social insurance enterprises and institutions in this city, and the monthly income reaches the average monthly wage income level of employees in this city in the previous year when the borrower applies for a loan. The counter-guarantor shall sign a formal counter-guarantee contract with the guarantee institution and a guarantee contract with the loan bank to clarify the responsibilities and obligations of the counter-guarantor.

2. Which banks can make commercial loans?

China Bank, China Construction Bank and Bank of Communications can all provide venture loans. The loan terms are as follows: 1. Have full capacity for civil conduct and be under 50 years of age.

2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.

3. Engage in legal production and business activities.

3. What are the conditions for college students to start a business loan?

There are too many college graduates now, and they are generally not approved. Unless you have an acquaintance, it's hard to say at present. To apply for a student loan at school, you need to find acquaintances. Later, because I did business online when I was sent to college, I didn't need much money. More importantly, you can accumulate experience. I hope it works for you.

4. What are the requirements? /risk loan

Venture loan refers to a small credit loan which is different from the current consumer loan and is used to meet the needs of individual entrepreneurs in urban and rural areas. In terms of loan amount, it belongs to; From the nature of the loan, it is a credit loan and does not need mortgage guarantee; From the perspective of loan targets, it is individual urban and rural residents, not existing enterprises; From the purpose of the loan, it belongs to the entrepreneurial loan, which is different from the current consumer loan.

Application conditions

Identification and business premises

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.

retaliate

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 letter

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 help them get loans smoothly.

Preparation materials for the application procedure

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.

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's 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 audit

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 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.

Loan process

Submit the application → prepare the materials (please indicate the purpose, amount, contact address, name, fixed telephone number and mobile phone) → fax the materials → approve → sign the contract → issue the loan → repay the principal and interest quarterly → repay the loan when due.

1. Optimization of repayment method (quarterly interest repayment and principal repayment at maturity);

2. The use of the loan is not limited (it can be used for making, buying a house, buying a car, decorating, traveling, education, etc. );

3. The loan amount is large, the next payment time is fast and the process is short;

4. There is no penalty interest for repaying the loan in advance;

5. Long loan period and quick and simple procedures;

6, convenient and fast, reputation first

provide a loan

After the above procedures are completed, the company officially notifies the loan to be issued.

Whether your loan application can pass depends on the company's audit results.

The company's standard requirements for borrowers:

1. The borrower must be a natural person with full civil capacity.

2. Have a Chinese identity card or household registration certificate.