You can apply for a commercial loan from the bank. Venture loan is a kind of bank loan business, mainly for individuals who have certain production and operation ability or are engaged in production and operation activities. They apply for start-up or restart funds and get loans after being confirmed as effective guarantees by banks. Eligible lenders can obtain a single loan of up to 500,000 yuan according to their personal situation and repayment ability; If the enterprise reaches a certain scale, it can also apply for higher loans. The term of a venture loan is generally one year, and the longest is not more than three years. In addition, in order to support laid-off workers to start businesses, some regions also have some relevant policies to support them, such as lowering interest rates and allowing laid-off workers to enjoy 60% discount on government business loans. With the state's support for individual entrepreneurship, future entrepreneurial loans will receive more preferential policies. \ x0d \ x0d \ Basic conditions for applying for venture loan \ x0d \ x0d \ 1. Identification and business premises \ x0d \ x0d \ The loan applicant must have a valid identification and proof of legal residence at the place where the loan bank is located, as well as a fixed residence or business premises. 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. \x0d\\x0d\ 2。 Proof of funds \ x0d \ \ x0d \ The loan applicant's investment projects require him to have certain self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of risk 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. \x0d\\x0d\ 3。 Settlement account \ x0d \ \ x0d \ The loan applicant must open a settlement account in the bank where he lends, and the operating income must be settled by the bank. Moreover, the purpose of the loan is in line with the relevant national laws and the provisions of the Bank's credit policy, and it shall not be used for other speculative investment projects such as equity. \x0d\\x0d\ 4。 Loan Guarantee \ x0d \ \ x0d \ Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the integrity of loans and help them get loans smoothly. \x0d\\x0d\ Three points for attention in applying for venture loan \x0d\\x0d\ 1. To correctly understand entrepreneurship \ x0d \ \ x0d \ If the entrepreneur only has a business plan, but has no specific business premises and approval documents, the bank will not provide venture loans. There are also some personal consumption loans that should be distinguished from entrepreneurial loans, which are generally not supported by banks. \ x0d \ x0d \ 2。 Understand the change of bank interest rate \ x0d \ x0d \ because according to the regulations of financial supervision department, banks can raise or lower the loan interest rate within a certain range when issuing commercial loans, for example, the loan interest rate of many local banks can rise by 30%. Relatively speaking, the loan interest rate of state-owned commercial banks is low, but the procedures are strict. If your loan procedures are complete, you can compare the loan interest rates and other extra fees of various banks and choose a bank with lower cost. \x0d\\x0d\ 3。 Reasonable loan term \ x0d \ x0d \ Bank loans are generally divided into short-term loans and medium-and long-term loans, and the longer the loan term, the higher the interest rate. Entrepreneurs should try to choose short-term loans if they haven't used the funds for a long time. For example, they can borrow a loan for two years once a year, which can save interest expenses. \x0d\\x0d\ In addition, venture financing should also pay attention to the trend of interest rates. If the interest rate trend is high, you should apply for a loan before raising interest rates, so that you can enjoy the low interest rate before raising interest rates in that year; If the interest rate trend tends to decline, the loan should be suspended when the demand for funds is not urgent, and then handled in due course after the interest rate is reduced. \x0d\\x0d\ Which banks provide entrepreneurial loans \x0d\\x0d\ At present, China Industrial and Commercial Bank, China Bank, China Agricultural Bank, Shanghai Pudong Development Bank, CITIC Industrial Bank and Bank of Communications have all launched personal entrepreneurial loans. For example, the personal venture loan launched by Qingdao Branch of Agricultural Bank of China is aimed at specific subjects such as individual industrial and commercial households, investors of sole proprietorship enterprises, and partners of individual partnerships, and is mainly used for their entrepreneurial operations to purchase or lease shops, purchase machinery and equipment, and purchase raw materials. The following are the details of four banks that provide personal business loans. \ x0d \ x0d \ 1。 China Industrial and Commercial Bank of China's pioneering loan business \ x0d \ x0d \ ICBC has been strictly handling the loan business, and it is difficult to pass the examination and approval because the personal application materials are not comprehensive. See table 1 for details. \x0d\\x0d\ 2。 Bank of Communications Venture Loan Business \ x0d \ x0d \ Bank of Communications Venture Loan is easier to apply for and the interest rate is lower than ICBC. See Table 2 for details. \ x0d \ x0d \ 3。 Shenzhen Development Bank's "Chuangyebao" personal exhibition loan \ x0d \ x0d "Chuangyebao" personal exhibition loan is a RMB loan issued by Shenzhen Development Bank to individuals for the lender's production and business activities. \ x0d \ x0d \ loan term: generally not more than three years, of which the longest working capital loan is not more than one year. \x0d\\x0d\ loan interest rate: the loan interest rate shall be appropriately raised with reference to the same level liquidity loan interest rate of Shenzhen Development Bank, and the floating range shall be implemented in accordance with the regulations of the People's Bank of China on the floating interest rate of small and medium-sized enterprises. \ x0d \ x0d \ loan amount: the minimum loan amount is 20,000 yuan and the maximum loan amount is 8 million yuan. \x0d\\x0d\ 4。 China Bank's personal investment and operation loan \ x0d \ \ x0d \ loan conditions: To apply for personal investment and operation loan, the lender must meet the following conditions in addition to the basic conditions such as marketable products, profitable operation and guaranteed loan repayment: permanent residence in cities and towns or valid residence status; No bad social credit record and good credit; Open a general deposit account with China Bank; The market prospect of operating products is good and the economic benefits are good; It is in good operating and financial condition; Can provide effective guarantee recognized by the lender. \ x0d \ x0d \ loan amount: the starting point of the loan is 30,000 yuan, with the maximum not exceeding100,000 yuan. \ x0d \ x0d \ loan term: no more than three years. \x0d\\x0d\ loan interest rate: the fixed interest rate of the same grade of the People's Bank of China shall be implemented and appropriately raised. \ x0d \ x0d \ General procedures for applying for operating loans \ x0d \ x0d \ 1. Preparation materials \ x0d \ x0d \ These materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Relevant agreements and contracts for loan purposes; 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 kinds of mortgage methods, such as movable property and real estate mortgage, time deposit certificate pledge, securities pledge, and movable property pledge with strong liquidity and so on. \x0d\\x0d\ 2。 Fill in the application \ x0d \ \ x0d \ The applicant holds the opening plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or opening experts, and only those who pass the demonstration can apply for the opening loan. \x0d\\x0d\ 3。 The recommendation institution \ x0d \ \ x0d \ organizes opening guidance experts or relevant personnel to demonstrate the applied project, and then signs the recommendation in the recommendation column of the opening loan application; Do not meet the requirements, it shall put forward opinions to the applicant and return the relevant materials provided by the applicant. \x0d\\x0d\ 4。 Identity Confirmation \ x0d \ \ x0d \ The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs in the identity confirmation column of the application for opening loan. \x0d\\x0d\ 5。 Bank Acceptance \ x0d \ x0d \ The applicant submits a loan application to the designated bank acceptance point with the Application Form for Starting a Business Loan signed with recommendation opinions and identity confirmation opinions, and provides relevant materials. \x0d\\x0d\ 6。 Loan review \ x0d \ x0d \ The bank shall make comments on loan review within ten days from the date of acceptance, and fill in the comments in the column of bank review comments in the Application for Loan Opening and submit them to the opening guidance service center. If you don't agree to the loan, you should inform the applicant in time and make suggestions. \x0d\\x0d\ 7。 Handling Loans \ x0d \ \ x0d \ 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. \x0d\\x0d\ How to repay the entrepreneurial loan \x0d\\x0d\ There are generally two repayment methods for individual entrepreneurial loans. One is a loan with a loan term of less than one year (including one year), in which the principal and interest are repaid once at maturity, and the benefits are paid off with the principal; The other is a loan with a loan term of more than one year. The repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. \ x0d \ x0d \ knowledge \ x0d \ x0d \ matching principal and interest \ x0d \ matching principal and interest means to repay the same amount of loans (including principal and interest) every month during the repayment period, which can control the company's income and expenditure in a planned way, because the monthly repayment amount is fixed, and it is also convenient for the company to determine repayment according to its own income. \ x0d \ x0d \ equal principal repayment \ x0d \ equal principal repayment is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, because there is more principal in the initial stage, more interest is paid, so the repayment amount in the initial stage will be more, and then it will decrease every month. This method is more suitable for individual entrepreneurs with strong repayment ability and certain financial strength. \x0d\\x0d\ Where is the difficulty in applying for a business start-up loan \x0d\\x0d\ First of all, the business start-up loan of a general bank needs mortgage, and the loan amount is determined according to the specific guarantee method. After all, banks are commercial organizations, and the first consideration in granting loans is the safety of funds. In contrast, most entrepreneurs have no guarantee or insufficient guarantee, and financial institutions can't issue loans to them, thus forming a very embarrassing situation for both sides; Secondly, if there is no real estate such as real estate as collateral, banks generally require a guarantor, which makes many entrepreneurs discouraged. After all, the business of venture loan itself has certain risks, so even if you find a qualified guarantor, you may not be willing to make a guarantee, which is undoubtedly another difficulty of venture loan. \ x0d \ x0d \ How to improve the application success rate \ x0d \ x0d \1. Loan credit preferential targets \ x0d \ \ x0d \ Banks generally favor lawyers, doctors, civil servants, employees of public institutions and people in the financial industry. Such people are listed as preferential targets for credit loans. If there are such relatives, their relatives will get credit. \x0d\\x0d\ 2。 Choose industries with good development prospects \ x0d \ \ x0d \ Consider industries with good operating efficiency and business scope encouraged by some countries, so that it is easier to obtain bank loan support. \x0d\\x0d\ 3。 Find a professional guarantee company \ x0d \ \ x0d \ If you really need money urgently and lack collateral that meets the requirements of the bank, you can consider finding a professional guarantee company. However, this will cost the guarantee company a lot of money. According to relevant regulations, the guarantee company will charge the lender no more than 50% of the bank loan interest in the same period, and some companies will also charge some risk compensation in other names.