The policy of this venture loan is different from place to place. Let me give you a general explanation.

Conditions of College Students' Venture Loan

(1) The applicant has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or

(2) The applicant holds a business license for industrial and commercial administration machinery industry, engages in legal production and business activities, and has stable income and the ability to repay the principal and interest;

(3) The investment project has certain self-owned funds;

(4) Loans shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;

(5) Open a settlement account in a bank, and the operating income will be settled by the bank.

Application materials for college students' entrepreneurial loans

(1) the original of the applicant's ID card, household registration book or other valid residence permit) and proof of marital status;

(2) Proof of repayment ability such as personal or family income and property status;

(3) the business license of the applicant and the business license of related industries, as well as the relevant agreements, contracts or other materials in the use of the loan;

(4) Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the person with the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.

For specific information, your business loan information, see Important Information.

Second, what are the conditions for starting a business loan and how much can I borrow?

The basic conditions for starting a business loan are: 18 years old or above, good personal credit, business license of relevant industries, certain ability to repay the principal and interest, and stable business premises. As for how much money you can borrow, it depends on the credit qualification of the lender and whether to provide collateral and guarantee. The amount of guarantee and guaranteed loans will be higher. And even if the user wants to apply for a high amount, the loan amount approved by the bank shall prevail. For more information about the requirements of venture loan, please visit:/ask/f0c72e1615841502.html? Zd view more content

3. What are the requirements and standards for venture loans? Urgent! ! !

There are six common problems in business start-up loans: 1: If you start a business on the job, you can also apply for business start-up loan guarantee. Wang Wenjing: I work as an administrator in a company. I want to open a pet grooming shop in my spare time, but I don't have spare money at hand and I can't provide the full guarantee required by the bank. I heard that the Ministry of Labor and Social Security has recently issued a new opening loan policy. I don't know if I meet the requirements, how much I can borrow at most, and how to calculate the interest? Consultant: According to the new policy of business start-up loan guarantee officially implemented on June 65438+ 10/,all owners of informal employment labor organizations with local household registration and legal representatives of enterprises registered within three years of industrial and commercial registration can apply for business start-up loans guaranteed by special funds for employment promotion. In other words, as on-the-job employees, as long as they first register and establish informal employment labor organizations or small enterprises, they can apply for entrepreneurial loan guarantees. The guarantee period of the opening loan is generally three years, and the maximum guarantee amount does not exceed 500,000 yuan. The execution interest rate of initial loan refers to the general commercial loan interest rate. At present, the loan interest rate is 5.58% for one year, 5.76% for two to three years and 5.85% for four to five years. The specific standards shall be subject to the announcement of relevant banks. Question 2: Where should the owners of informal labor organizations apply for business loans? Carina Lau: I started an air-conditioning installation service company in Yangpu, and now I need a working capital loan of 70,000 yuan. Where can I apply for a loan guarantee for opening a business? Counselor: According to the current regulations, to apply for a loan guarantee for starting a business, you must meet the following conditions: (1) The applicant has no bad credit record and illegal and criminal acts; (2) The applicant's own funds shall not be less than 50% of the loan amount, and provide necessary personal guarantee as required; (3) The registered place and business place of the labor organization run by the applicant must be the same, and an accounting management system must be established; (4) The unemployed, social security personnel and rural surplus labor force absorbed by informal employment labor organizations in this city shall not be less than 70%. The specific application can be submitted to the opening guidance service center in the area (county) where the informal employment labor organization is located, and relevant certification materials shall be provided as required. After the district (county) first trial, loan analysis and evaluation and guarantee review, the bank shall go through the loan formalities according to the regulations. Question 3: How do small business owners apply for venture loan guarantee? Chen Jiawen: Two years ago, I started a computer maintenance company. At present, I want to expand the scale of the company and lack funds. What are the requirements and how to apply for the guarantee of venture loan? Consultant: According to the current regulations, the legal representative of a small enterprise should meet the following conditions when applying for a business start-up loan: (1) The applicant has no bad credit record and no illegal and criminal acts; (2) The applicant can provide sufficient and effective personal guarantee to the designated bank; (3) If the number of employees in small enterprises is more than 10 (including 10), the number of unemployed people, social security personnel and rural surplus labor force in this city shall not be less than 50%; The number of employees is 10, and the absorption of urban unemployed, social security personnel and rural surplus labor force shall not be less than 70%; (4) Small enterprises should register tax according to law and provide the latest tax payment certificate. The legal representative of a small enterprise shall apply to a designated bank, provide relevant information according to the requirements of the bank, and apply for re-guarantee to the district and county opening guidance service center where the small enterprise is registered after being examined and approved by the bank before lending. After the examination and approval of the district and county and the city, the bank shall handle the relevant loan procedures in accordance with the regulations. Question 4: What conditions do borrowers who have obtained the loan guarantee for opening a business need to meet before they can apply for loan discount? Wang Wei: Last June165438+1October, I secured a one-year loan of 70,000 yuan, which is about to expire. Want to know what conditions should I have to apply for a loan discount? Consultant: According to the current regulations, applicants who have obtained the initial loan guarantee can apply for the initial loan discount within three months from the maturity date of the initial loan if they pay off the principal and interest of the initial loan in accordance with the regulations and maintain stable employment during the loan period. Among them, maintaining job stability refers to the situation that the labor (economic) organization run by the borrower continuously pays social insurance premiums for the unemployed and rural surplus labor force in accordance with the regulations during the loan period, and handles employment registration for the cooperative insured and continues to work. The discount amount is subject to the stable employment of the borrower and the actual bank interest paid, but the maximum discount amount per person per year does not exceed 2,000 yuan, and the discount period generally does not exceed three years. Question 5: What happens if a commercial loan cannot be repaid when it matures? Xu Aidi: The opening loan is a government-guaranteed loan. What will happen to me if I can't repay the loan when it is due? Consultant: According to the relevant regulations of the bank, if the borrower of the initial loan fails to repay the loan according to the regulations, the bank will charge default interest on a daily basis; At the same time, banks will also entrust relevant institutions to pursue loans until all loan debts are paid off; At the same time, the information of the borrower's failure to repay the loan on time will be recorded in the personal credit information system of Shanghai, which will adversely affect the borrower's application for buying a house and car, handling credit cards, checks and credit guarantees, employment and going abroad and other consumer loans. If the borrower maliciously evades the loan, the bank shall, together with the relevant departments, take judicial measures to recover it. Question 6: The family really can't pay off the initial loan due to financial difficulties. How can they apply for exemption from overdue loans? Wang Yaozong: I heard that there is a non-recourse system for overdue loans in the new open loan policy. I want to know more about it. Consultant: According to the current regulations, if the borrower's informal employment labor organization cannot continue to operate after one year of recourse, causing personal and family difficulties, the borrower or his immediate family members may apply to the district (county) business opening guidance service center for loan exemption. District (county) labor and social security departments organize business experts, employment assistants, social workers, street (town) labor and social security departments, neighborhood (village) committees and other relevant personnel to set up a "community collegiate bench for overdue loans" to discuss whether borrowers and families meet the conditions of loan exemption from recourse. Finally, after the opinions of the collegiate bench reviewed by the Municipal Employment Promotion Center, borrowers who agree to avoid recourse will delete their bad credit records in the personal credit information system; For borrowers who do not agree to waive recourse, continue recourse until the loan debt is fully paid off.

Four. 202 1 conditions for examination and approval of venture loans?

1. What are the requirements for a venture loan?

1, with full capacity for civil conduct, under the age of 50.

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, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.

4, good credit, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank.

5. Having a fixed residence and business premises in the agency.

6. Other conditions stipulated by the bank.

Second, the venture loan

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.