Don't go directly to the bank, because this year's policy is extremely strict with loans. You can go to the entrepreneurship center for consultation. Is there any preferential policy in this place?

Yes, ask.

I joined a dry cleaner, bought all the equipment and paid a deposit in the store. However, the money owed by the original unit is not enough for the time being, so I want to borrow money, but I have asked many banks for loans.

Bank loans must be mortgaged.

I am very anxious

Regardless of the bank for the time being, it will take more than 10 days even if the money comes down.

It's too late. This is my fault. I did it before I got the money.

So you must be considerate when you do things, and feel that you are doing too much through the dialogue with you.

Yes, I used to work, but my company failed last year, so I want to work hard while I am young this year.

We must take care of everything.

But it's done here. What I want is to wait for two months and raise funds before starting business.

You can talk to me about banking or marketing strategy in the future.

Second, how can I get a loan from the bank?

First, you have to have something to mortgage. Your personal reputation is very high and you have a legitimate reason.

Can I go to the bank for a loan at the age of 3.20?

With the progress of science and technology and the development of society, many young people are under great pressure now. The COVID-19 epidemic in 2020 caused many young people to lose their jobs, which also made their poor families worse. And now the competition in many industries is very fierce. If they don't have absolute strength, they will probably be eliminated. 20 years old is an embarrassing age, saying that it is not big, saying that it is not small. So can I go to the bank for a loan at the age of 20 or so?

I. Relevant regulations There are clear laws in People's Republic of China (PRC) (China) that children can get loans as long as they are 18 years old. However, in order to obtain loans from banks, certain valuables are needed for mortgage, and many people will choose to use their own real estate licenses or car licenses for mortgage. When making a loan, the lender will also sign a contract with the bank, which contains a lot of relevant information. Before signing, everyone must carefully check whether the information is wrong. And when the repayment period approaches, you must pay back the money in advance.

Second, be vigilant, but Bian Xiao saw on the Internet that many people could not pay the final interest because of loans. There are not a few such examples. Therefore, Bian Xiao advises you not to borrow or try not to borrow. You can borrow some from your relatives and friends first. If you can't get it at that time, you can also let your relatives and friends tolerate it for two days to avoid deducting the real estate license or car license. The bank is a relatively formal unit, and the contract says when to repay the loan, even if it cannot be overdue for one day.

Third, pay back in time. If you really have to borrow money as a last resort, you should also pay back the money you owe in time. As the saying goes, Fiona Fang cannot live without rules. Banks also have their own rules and regulations. If they don't pay off the money they owed at that time, the bank also has the right to seize their houses and cars and put seals on them.

Can young people get loans from banks? How to borrow it?

Bank loans require conditions, and loans can be made if the conditions are met. The conditions required by the lender are:

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The actual age of the borrower plus the loan application period should not exceed 70 years old. The information that the borrower should provide is: 1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book. 2. Marriage certificate/divorce certificate or judgment/single certificate. 3 proof of income (according to the format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements. Note: Starting from May, 20 10, foreign registered permanent residence in Beijing must also provide a tax payment certificate for nearly one year or a social security certificate for one year and other materials that can prove that they have worked in Beijing for one year. The house seller shall provide the materials 1. Two copies of husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate). Special materials for real estate license required by foreigners to buy a house: Taiwan Province people-mainland travel permit (Taiwanese certificate), household registration vine (which can prove their marital status), approval form for buying a house in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration). Mortgage notarial certificate (entrusted to handle the late house purchase and mortgage registration) Korean-Chinese translation passport notarization, Chinese translation name notarization, Chinese translation household registration notarization (which can prove marital status), mortgage notarial certificate (entrusted to handle the late house purchase and mortgage registration) Other nationalities-Chinese translation passport notarization, Chinese translation name notarization, Chinese translation marriage certificate notarization, Mortgaging notarial certificate (entrusted to handle the house confirmation and mortgage registration in the later period) The materials that the seller needs to provide for the enterprise: legal person ID card, original and duplicate business license, organization code certificate, resolution of the selling board, articles of association, power of attorney, trustee ID card, proof of collection account (all the above materials must be stamped with official seal) and real estate license.