Introduction to venture capital: Now more and more people start their own businesses, but for their own careers, they have to resort to venture capital loans. But most people don't know how to apply for a venture capital loan. What is the loan process? Easy Loan China will explain the loan process of self-employment for you in this issue.

Personal investment and entrepreneurship loans have a wide range of applications. Individuals, individual industrial and commercial households and sole proprietorship enterprises can apply for investment loans as long as they meet certain loan conditions and can provide bank-approved guarantee methods. In addition, banks will also have specific regulations.

1, prepare file

Certificates include: employment and unemployment registration certificate issued by labor and social security department, army certificate issued by military retirees, graduation certificate of college students, unemployment certificate or certificate of returning home to start a business issued by township (street) labor and social security station.

2. Application

Put forward to the community labor security service center or township labor security station where I started my business.

Step 3 fill in the form

Fill in the application approval form for promoting employment with small secured loans (in duplicate).

4. Pass the preliminary examination

Labor and social security institutions shall conduct preliminary examination, and those who pass the preliminary examination shall be recommended to guarantee institutions at or above the county level.

5. Pass the review

Guarantee institutions shall examine the qualifications of loan objects, review their re-employment projects, sign opinions, and provide "Review Opinions on Small Guaranteed Loan Projects for Promoting Employment".

Step 6 apply for a loan

The applicant applies for a loan from a commercial bank with the above information. Commercial banks should complete the loan investigation and review procedures within 10 working days from the date of receiving the loan application, and timely issue loans in line with the loan conditions; Do not meet the loan conditions, timely feedback and explain the reasons.

Three measures for personal venture loan

First, the flexible use of venture loans.

At the beginning of last year, Mr. Zhou got a car loan through the bank, but strictly speaking, this loan can not be regarded as a "consumer loan", but as an "operating loan", because Mr. Zhou bought the car not for his own enjoyment, but for rental operation.

A recent special survey shows that 80% of the respondents in Shanghai want to taste the taste of being a boss, and being a boss requires not only a good investment project, but also necessary start-up funds. Compared with usury and borrowing money from relatives and friends, venture loan is the best policy, and its security and stability are incomparable to private lending.

Second, learn to mortgage.

Since she was laid off, Ms. Zhang has been trying to find a way to make money that suits her. After searching for a long time, Ms. Zhang took a fancy to a commercial house along the street in a prime location and wanted to buy it for rent. But the house price should be at least 900 thousand, and she only managed to borrow 500 thousand. At this time, she thought of her own ICBC credit office. After the bank staff assessed the value of the house, the bank signed a house mortgage agreement with her to provide her with a mortgage loan of 400,000 yuan for commercial housing with a term of 10 year. After she got the house, she rented it out quickly. Because of the good location, the difference between the monthly rent and the loan repayment made her earn a lot of money.

Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral in accordance with the mortgage method stipulated in the Guarantee Law. At present, banks mainly carry out mortgage loans for houses and cars.

Third, the use of pledged loans.

Mr. Liu wants to open a Kodak color expansion store with a franchise chain, which needs a start-up fee of 99,000 yuan. At present, he only has 50,000 yuan in cash, but he has 654.38+10,000 yuan in the bank. Due to the large loss of interest in advance, he applied for an order pledge loan under the advice and guidance of the bank financial planner and obtained a loan of 70,000 yuan from the bank. It not only raised venture capital in time, but also avoided the interest loss of several thousand yuan withdrawn in advance.

At present, banks have set up personal loans pledged by credit resources such as certificates of deposit, treasury bills, insurance policies and personal credit. At present, pledged certificates of deposit and treasury bills are more common.