Product Name Industrial Bank Personal Venture Loan
Types of loans: investment and operating loans
The application condition is full capacity for civil conduct, and the age is under 50 years old; Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce; Engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule; Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank; Having a fixed residence and business premises; Open a settlement account in Industrial Bank, and handle daily settlement through Industrial Bank account; Other conditions stipulated by Industrial Bank.
Loan amount The maximum amount of personal business loan shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation.
Maximum loan term (year) 3
Loan Interest Rate Individual entrepreneurial loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, which may fluctuate within the prescribed scope.
Service telephone number 9556 1
For the repayment method of 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 benefits will be paid off with the principal; 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 can be adopted.
Product Features The term of personal venture loan is generally 2 years, and the longest is no more than 3 years, of which the longest term of working capital loan for production and operation is 1 year.
Loan Bank China Bank
Product Name Personal Investment and Operation Loan of China Bank
Types of loans: investment and operating loans
Application conditions To apply for a personal investment and business loan, the borrower must meet the following basic conditions: having a permanent residence in the town or a valid residence status; No bad social credit record and good credit; Open a general deposit account with China Bank; The market prospect of operating products is good and the economic benefits are good; It is in good operating and financial condition; Being able to provide effective guarantee recognized by the lender; Other conditions stipulated by the Bank of China.
The starting point of the loan amount is 30,000 yuan, and the maximum is 6,543,800 yuan.
Maximum loan term (year) 3
The loan interest rate shall be subject to the fixed interest rate of the People's Bank of China for the same period, and shall rise appropriately.
Service telephone number 95566
Repayment methods: average capital repayment method and equal principal and interest repayment method.
China CITIC Bank, the loan bank
Product Name CITIC Industrial Bank Personal Investment and Operation Loan
Types of loans: investment and operating loans
Application conditions: hold legal and valid identity documents, have permanent residence or valid residence status in local towns, and have a fixed residence; Approved by the industrial and commercial department, registered according to law, and holding a legal and valid business license; Having a fixed business place, a clear production and operation plan and a clear legal loan purpose; Good credit, no default or bad credit record, the ability to repay the loan principal and interest on schedule, and willing to accept the credit settlement supervision of the loan bank; Can provide legal and effective guarantee recognized by CITIC Industrial Bank; Other conditions stipulated by laws and CITIC Industrial Bank.
If the loan amount is secured by mortgage, the loan amount shall not exceed 70% of the value of the collateral; At the time of pledge, the loan amount shall not exceed 90% of the pledged property value.
Maximum loan term (year) 3
The loan interest rate shall be in accordance with the individual housing loan interest rate stipulated by the People's Bank of China.
Service telephone number 95558
Repay the loan principal and interest according to the loan contract.
The term of product characteristic loan can be as long as 3 years, but the working capital loan for production and operation does not exceed 1 year.
Loan Bank: Industrial and Commercial Bank of China
Product Name Personal Commercial Loan
Types of loans: investment and operating loans
Registration conditions Any China citizen who has a permanent residence in China, a permanent residence in a local town (or a valid certificate), has full capacity for civil conduct and meets the following conditions can apply.
1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
5. Other conditions stipulated by the bank.
The maximum loan amount is 3 million yuan, and the specific loan amount is determined by the bank according to the borrower's credit status and the guarantee provided.
Maximum loan term (year) 3
Loan interest rate The loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, if the loan term is less than 1 year (inclusive), it shall be calculated according to the contract interest rate; If the loan term exceeds 1 year, it will be calculated in stages, and the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade.
Service telephone number 95588
Repayment method
Product function: 1. Lenders have legitimate sources of income and good commercial projects. They only need to go through the mortgage and pledge procedures related to real estate in this bank, and they can get personal business loans with a maximum of 3 million yuan and a term of less than 3 years in China Industrial and Commercial Bank.
2. When applying for a personal loan, the lawyer's witness link will be exempted. For high-quality customers with personal housing loans of more than 500,000 yuan in ICBC, who have made normal repayments for two consecutive years and have no bad credit records, the loan investigation and evaluation procedures will be simplified when they apply to ICBC for personal auto loans, personal comprehensive consumption loans and personal business loans again.
Expert comment: Personal business loans were launched to support customers' production and operation. The first batch of pilot projects were carried out in Shanghai, Zhejiang, Jiangsu, Shandong, Guangdong, Fujian, Anhui, Shenzhen, Ningbo and Suzhou.