Application procedures

1. Preparation materials

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 pledged goods.

collateral appraisal report issued by the appraisal department recognized by the bank. Finally, there must be collateral, and there are many 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.

2. Fill in the application

The applicant holds the business opening plan (or loan project) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business opening experts. Those who pass the demonstration can apply for the Application for Business Opening Loan.

3. The recommended institution

After organizing experts or relevant personnel to demonstrate the application project, those who meet the requirements of the opening loan shall sign the recommendation opinion column of the Application for Opening Loan; If it does not meet the requirements, it shall give advice to the applicant and return the relevant materials provided by the applicant.

4. Identity confirmation

The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Business Opening Loan.

5. Acceptance by the bank

The applicant submits a loan application to the acceptance point of the designated bank with the "Application for Opening a Business Loan" signed with recommendation opinions and identity confirmation opinions, and provides relevant materials.

6. Loan review

The bank shall make a loan review opinion within ten days from the date of acceptance, fill in the comments in the bank review opinion column of the Application for Opening a Loan, and submit it to the opening guidance service center. If you don't agree to the loan, you should inform the applicant in time and give advice.

7. Handling loans

After the accepting bank obtains the loan guarantee opinions, it can handle the personal guarantee procedures and loan procedures of the lender according to the requirements of bank credit rules and regulations within five working days.

Extended information:

The application conditions for business start-up loans should be as follows:

(1) Having full capacity for civil conduct and being under 5 years old.

(2) Holding 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, and has the ability to repay the loan principal and interest on schedule.

(4) Good credit standing, law-abiding, no bad credit and debt records, and mortgage, pledge or guarantee approved by the bank.

(5) It has a fixed residence and business premises in the agency.

(6) open a settlement account in the bank and handle daily settlement through the bank account.

(7) Other conditions stipulated by the bank.

The conditions for applying for a small loan are as follows:

(1) Have a legitimate occupation and a stable income source (the monthly wage income must be above 1 yuan), and have the ability to repay the loan principal and interest on schedule;

(2) The borrower's unit must be an administrative department, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank is required to pay wages on its behalf;

(3) Abide by the law, and have no illegal acts and bad records;

(4) Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

(5) Other conditions stipulated by the bank.

Baidu Encyclopedia-Venture Loan