1. Carrying materials: materials include identity certificate, marital status certificate, repayment ability documents such as personal or family income and property status, relevant agreements, contracts, guarantee materials for loan purposes, ownership certificate and list related to collateral or pledge, and collateral evaluation report issued by the evaluation department recognized by the bank. Collaterals include movable property, real estate mortgage, time deposit certificate pledge, securities pledge and movable property pledge with strong liquidity.
2. Fill in the plan: business opening plan (or loan project book), and put forward demonstration requirements to the loan guarantee institution or business opening. Those who pass the demonstration can apply for a business loan.
3. Obtain a letter of introduction: for those who meet the conditions of opening a loan, sign a letter of introduction opinion in the letter of introduction opinion column of the opening loan application.
4. Identity confirmation: The applicant for identity confirmation 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.
5. Submission materials: The bank accepts the applicant's application for opening an account for entrepreneurial loan, submits the loan application to the acceptance point of the designated bank, and provides relevant materials.
6. Waiting for review: the loan review bank will make a loan review opinion within 10 days from the date of acceptance, fill in the comments in the bank review column of the Application for Opening a Loan, and submit it to the account opening guidance service center.
7. Handling procedures: After receiving the loan guarantee opinions, the accepting bank can handle the lender's personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.