Because there are three criteria for the identification of banks.
1: personal credit (whether the individual has overdue mortgage or credit card)
2. Collateral (in most cases, the bank only recognizes 50% to 70% of the appraised price of real estate.
3. Personal repayment ability (mainly depends on the main lender)
If you need about 654.38 million yuan and you can't apply for it yourself, let your parents apply for it themselves.
The following is some information about venture loans ~
Audit requirements and related preparations include:
College students should pay attention to the following problems when starting a business: First, they should have mature psychological preparation, which is more suitable for starting a business; Second, don't be superstitious about your own creative projects or your own patented technology or achievements, but conduct full market research; Third, don't want to "eat a fat man in one bite", but have a stable entrepreneurial mentality; Fourth, it is better for college students not to start a business alone, but to start a business in partnership.
Bank's requirements for loan applicants
(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;
(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legitimate production and business activities, and have stable income and the ability to repay the principal and interest;
(3) The borrower has certain self-owned funds for investment projects;
(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;
(5) Open a settlement account in a bank, and the operating income will be settled by the bank.
Loan applicants need to provide application materials.
(1) Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;
(2) Proof of repayment ability such as personal or family income and property status;
(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials related to loan purposes;
(4) Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.