(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, the bank has some requirements, 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.

Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has been engaged in production and operation, and is recognized as an effective guarantee by the bank after applying for the capital demand for starting or restarting. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 60% government discount.

Venture loan refers to the micro-credit loan that is different from the current consumer loan and business loan and is issued to meet the needs of individual entrepreneurs in urban and rural areas. In terms of loan amount, it is a small loan; From the nature of the loan, it is a credit loan and does not need mortgage guarantee.

From the point of view of loan object, it is individual urban and rural residents, not existing enterprises; In terms of loan purposes, it belongs to entrepreneurial loans, which is different from the current consumer loans; In the name of the loan, it belongs to the nickname of small loan, which is the title of China in line with the national conditions; In the effect of poverty alleviation, it has the highest poverty alleviation efficiency, the largest coverage, the best economic benefits, the highest loan recovery rate and the fastest capital turnover, which can make the national poverty alleviation funds play the greatest role.

References:

Baidu Encyclopedia: Personal Venture Loan