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Second, how do wage earners start businesses with loans?

First of all, I want a loan, as follows:

Identification and business premises:

The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The proof of the fixed residence can be the real estate license (or the real estate license of parents' names), and the proof of the business place must hold the business license of industrial and commercial administration, indicating that it is engaged in normal production and business activities.

Proof of funds:

The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally requires the highest liquidity and 70% of the total funds needed for new equipment and franchise chain operations. Related books

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan is fixed, and it is not allowed to be used for other speculative investment projects such as equity.

Loan guarantee:

Loan applicants need to provide certain guarantees, including three forms of housing guarantees, and provide banks with information on repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

Application procedure

Preparation materials:

Proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Collateral ownership certificate and list, bank approval price report. 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.

Fill in the application form

The applicant holds a business plan (or loan project) for demonstration, and those who pass the demonstration can apply for a commercial loan.

Get a recommendation:

After demonstrating the project application, the members of the recommendation institution shall sign the recommendation opinions in the recommendation column for those who meet the conditions of the opening loan; Do not meet the conditions, should provide relevant materials reflected by the masses.

Identity confirmation:

The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account Loan.

Bank acceptance bill:

The applicant shall submit a loan application to the designated bank acceptance point with the "Application for Starting a Business Loan" signed with recommendation opinions and identity confirmation opinions, and provide relevant materials.

Loan review:

The bank shall make a loan audit opinion within ten days from the date of acceptance, and put it in the bank audit opinion column of the loan account opening application. Do not agree with the loan, to inform the applicant in time, and put forward opinions.

Apply for a loan:

After the accepting bank obtains the loan guarantee opinion, it can go through the guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.

I know lathe, grinder, drilling machine and milling machine, and I want to open my own shop. How do I start?

Brother, don't join without a good relationship! This industry sucks. In short, you can't make money by working, but your skills are not good and your efficiency is too low! But in fact, customers are too harsh and the market competition is too bad. Especially at the beginning, I dare not buy too good equipment, so it is difficult to do CNC machining. Even if the equipment is good and the personnel are not well equipped, this is your basic condition. Personal connections are essential to your survival, otherwise you will lose your business!

Fourth, how to borrow self-employment loans

The application process of self-employment loan is as follows: 1. Prepare relevant materials, such as identification, income certificate, collateral, etc. 2. Fill in the application form for venture loan. 3. The institution will demonstrate whether it can apply for a business start-up loan. 4. Confirm the identity of the lender. 5. The bank accepts the loan application and the lender submits relevant materials to the bank. 6. Our bank will make an audit opinion within 10 days after receiving the information. 7.