1. The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises.

2. The loan applicant must be 18-50 years old.

You must be unemployed for 6 months before you can apply.

4. You must go through the relevant formalities at the labor and social security department where the household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located.

The applicant's investment projects require him to have some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

6. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

7. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

8. Other loan conditions stipulated by the relevant lending bank.

Application materials required by the loan applicant:

1. Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status;

2 personal or family income and property status and other repayment ability documents;

3. Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;

4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.

Loan repayment method:

1. For individual business start-up 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 profits will 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.