The application process of venture loan is as follows: 1. Preparation materials: These materials include identity certificate, marital status certificate, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; 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 ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. 2. Fill in the application form: The applicant holds the business opening plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business opening experts. Those who pass the demonstration can apply for a business loan. 3. Obtaining recommendation: After the recommending institution organizes experts or relevant personnel to conduct demonstration on the application project, those who meet the requirements of the opening loan shall sign the recommendation opinion in the recommendation opinion column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. Iv. Identity confirmation: 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 a loan. The bank accepts the applicant's Application for Opening an Account with the signed recommendation and identity confirmation, submits the loan application to the designated bank acceptance point, and provides relevant materials. V. Loan review: The bank shall make comments on loan review within 10 days from the date of acceptance, fill in comments in the column of bank review comments in the Application for Opening an Account Loan, and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions. 6. Handling loans: After accepting the bank's advice on loan guarantee, the lender can handle the personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.
Second, how do institutions apply for venture loans?
1. The age requirement for loan applicants is that women are 20-55 years old and men are 20 -60 years old.
2. People who have certain entrepreneurial conditions but lack entrepreneurial capital and difficulties.
3. Hold a business license issued by the administrative department for industry and commerce and have the ability to repay the principal and interest.
4. The borrower has a certain amount of self-raised funds for the start-up of entrepreneurial projects.
5. Loans are used in accordance with relevant regulations and cannot be used for equity.
6. Other conditions required by the lending institution.
After meeting the above conditions, the applicant can bring relevant information to the local personnel bureau to apply for a business loan. General venture loans can be entered in the following two ways.
1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest will be repaid once at maturity, and the interest will follow the principal.
2. For individual entrepreneurial loans 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.
Third, how to apply for a commercial loan?
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 for 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.