Application conditions
(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 legal 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 the bank, and the operating income will be settled by the bank.
In addition, there are some requirements for the bank, such as the need to open a settlement account in the bank and conduct daily settlement through the handling bank.
Application material
When applying for such loans, three points are more important:
First of all, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.
Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
Amount requirement
Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation;
The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year;
Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Loan repayment method
1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall be paid off with 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, or other methods agreed by both parties.
The relevant preferential policies depend on your local government.
Second, how to write at the beginning of resignation, and how to write a resignation letter if you want to receive unemployment benefits?
If you want to receive unemployment benefits, you shouldn't resign. At the beginning of the resignation letter, you can write: Dear leaders, I have worked in this position for N years and I feel very good. Thanks to the company's help and opportunity, and also thanks to the company's cultivation. Now I want to go home to take care of my family and change my place of work. I hereby resign and hope the company will approve it.
According to the provisions of Article 45 of the Social Insurance Law, if the unemployed meet the following conditions, they will receive unemployment insurance benefits from the unemployment insurance fund:
(a) before unemployment, the employer and I have paid unemployment insurance premiums for one year;
(two) the employment is not interrupted because of my will;
(three) registered unemployed and have job requirements.
3. How to write an application for starting a business for the unemployed?
Like many entrepreneurs, you think that you can start a business only if you have money. In fact, you can go to the streets to see what your needs are, and you can do a small business for tens of dollars. Application Form for Entrepreneurship of Unemployed Persons:
Application form/application
Taitou: About the application of unemployed people to start a business.
Text: xxxxx:
Xxxxxx needs to apply for XXXXXX from XXXXXX.
I hereby apply.
Applicant:
(Applicant):
Date, year and month
At the same time, provide attachments: 1, unemployment certificate, 2, business plan. 3. Household registration book and ID card. If you want to guarantee, the probability of success is very small, and the procedures are complicated and the approval time is long.
What's the difference between management and operation? From Wuhan to Shenzhen, a man took 500 yuan with him, spent 200 yuan by train, spent 50 yuan for dinner, and left 250 yuan after arriving in Shenzhen. This is called management. His money was not stolen. He manages safely, uses reasonably and reimburses reasonably. 1992, Yang Mingguo went to Shenzhen from Badong. When he set out, he had 60 yuan on him. After he went to Shenzhen, he cleaned up his money and found that he still had 80 yuan on him, more than when he set out. What's this called? Management!
4. How to write an application for the unemployed to start a business in a window glass shop?
Commercial banks are all profitable, and applying for commercial loans from banks will charge loan interest. When you say small interest-free business start-up loans, you should refer to small secured loans launched by the national government for unemployed people to start their own businesses. Generally, such venture loans are jointly run by the local labor and social security bureau and commercial banks. The government provides guarantee for venture loan applicants, and borrowers do not need to provide collateral. The loan interest rate is relatively low, and even there are interest-free concessions.
Specifically, you need to ask the local labor and social security bureau whether there is such a venture loan at present. If there is, you need to get a loan application form with your ID card and household registration book, and provide corresponding certification materials, which will be audited by the community neighborhood Committee, the district (county) municipal labor and social security department and the loan guarantee institution. After passing, you can get low-interest or interest-free business start-up loans.