Conditions of venture loan: 1. Age 18 years old or above, holding valid identity documents and residence certificates; 2. Having a stable business place, and supporting documents such as business license and license issued by the administrative department for industry and commerce; 3. Have a stable income and the ability to repay loans; 4. Entrepreneurial projects have a certain percentage of start-up funds; 5. Personal credit is good and there is no illegal act; 6. The use of loan funds is legal and compliant. 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. There are three main ways to choose a venture loan. Entrepreneurs can choose their own venture loans as appropriate. Personal venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand of starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government. As long as the mortgage procedures meet the requirements, many commercial mortgage banks will not ask about the purpose of personal loans. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. Guaranteed loans can also be an excellent credit resource when there are no certificates of deposit, government bonds or insurance policies, but the wife or parents have a stable income. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.

Second, how to borrow money for youth entrepreneurship?

Specific loan procedures can consult the local rural cooperative credit cooperatives. Under normal circumstances, if there is a guarantor or real estate as collateral, the procedures will be simpler and the approval will be faster. If so, you need to consult the local rural cooperative credit cooperatives. Because the policy indicators in each region are different. thank you

Third, how to borrow money for youth entrepreneurship?

Specific loan procedures can consult the local rural cooperative credit cooperatives. Under normal circumstances, if there is a guarantor or real estate as collateral, the procedures will be simpler and the approval will be faster. If so, you need to consult the local rural cooperative credit cooperatives. Because the policy indicators in each region are different.