Purpose and conditions of applying for a loan

A the loan object is a small legal person enterprise established after June 5438+1 October12008, which is engaged in research and development, production and service of high-tech products or modern service industry and modern agricultural development in Xi 'an.

B. the loan object has a business plan.

C the legal representatives of loan enterprises are university graduates (including graduate students) and returnees who have registered in Xi in recent years and obtained graduation certificates.

D the legal representative of the loan enterprise has an entrepreneurship training certificate approved by the municipal entrepreneurship office.

E the legal representative or actual controller of the loan enterprise has no violation of laws and regulations and no bad credit record.

3 loan purpose, term, interest rate, repayment method and amount.

A. the purpose of the loan. Venture loans are mainly used to purchase productive fixed assets, working capital and other normal operating capital needs of enterprises.

B. Term of the loan. The term of venture loans is generally not more than two years. The borrower applies before the loan expires, and can apply for extension with the approval of the municipal commercial bank.

C. loan interest rate. The interest rate of venture loans shall be based on the benchmark interest rate of the same grade in the same period announced by the People's Bank of China.

D. repay interest. In principle, the venture loan is repaid in one lump sum, and the interest is settled quarterly or monthly.

E. payment amount. The amount of venture loan is determined according to the actual capital demand of the venture project, and it shall not exceed 500,000 yuan in principle.

Loan application procedure

A. After obtaining the entrepreneurship training certificate recognized by the municipal entrepreneurship, the loan applicant applies to the Municipal Science and Technology Bureau for technical and feasibility evaluation of the project according to the Business Plan of Xi College Students' Self-employment Loan.

B. With the approval of the Municipal Science and Technology Bureau, the loan applicant applies to Xi 'an Economic and Technological Investment Guarantee Co., Ltd. and goes through the guarantee procedures.

C. The loan applicant holds the loan guarantee opinion of Xi 'an Economic and Technological Investment Guarantee Co., Ltd. to apply for a loan at the branch of the city commercial bank.

D, city commercial banks in accordance with the loan procedures for independent review and decide whether to issue loans.