1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Proof of fixed residence and 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 certificate issued by the administrative department for industry and commerce.

The license and business license of the relevant industry indicate that it is engaged in normal production and business activities.

3. 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 will generally not exceed.

More than 70% of the total liquidity required by the Lender for normal production and operation activities, purchase (installation or maintenance) of small equipment and franchise chain operation.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. In addition, the purpose of the loan is in line with the relevant national laws and the provisions of our credit policy, and it is not

It is allowed to be used for other speculative investment projects such as equity.

5. loan guarantee. In addition to providing as much credit status and repayment as possible, the loan applicant also needs to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee.

Ability and loan investment information to the bank, which will increase the integrity of the loan, so as to obtain the loan smoothly.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, individuals pay in advance.

Interest, then financial subsidies, or financial discount in advance, the relevant programs have not yet been determined, but financial discount is certain.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before the loan, so as not to waste time running back and forth.

Between.