The following three banks are the easiest to apply for venture loans:
1, Bank of China
In BOC's personal venture loan business, borrowers can obtain loans through mortgage guarantee of shops and personal houses, certificates of deposit, pledge guarantee of national debt or third-party guarantee. According to the provisions of the relevant loan terms, the borrower should fully mortgage the real estate or other effective assets with strong liquidity with the upper limit of 60%; Pledge with bank demand time deposit certificates and voucher-type government bonds, and the pledge rate shall not exceed 90%.
In addition, the borrower can use the loan for the normal capital demand in the process of its production and operation, but not for projects prohibited by national laws and regulations. The loan period of China Bank's personal venture capital loan business shall not exceed 3 years in principle; The maximum loan amount does not exceed 7 million yuan.
2. China Everbright Bank
Personal student loans of China Everbright Bank include working capital loans for individuals and private owners, study abroad loans, student loans, construction machinery loans and many other refined products. According to the different loan methods, it can be divided into single loan (that is, the bank issues a one-time loan to eligible borrowers with the starting point of 1 000 yuan and the loan period of no more than 5 years) and loan line credit (that is, you can apply for a loan from the bank at any time within the credit line and the validity period, and the repaid part of the loan line can be recycled without repeated mortgage, pledge or guarantee).
3. Guangfa Bank
China guangfa bank Beijing branch launched the private enterprise private 100 plan, focusing on encouraging individuals to establish private enterprises and the redevelopment of existing private enterprises. Among them, the business insurance series of financial products, in view of the good property status of individual shareholders of private enterprises, provide personal credit lines to private enterprise shareholders, and provide them with mortgage (pledge) services for houses, land and securities (including bank certificates of deposit and underwriting government bonds, etc.). ), the joint and several liability guarantee of natural persons and legal representatives, as well as personal venture loans and joint company loans under other guarantee methods recognized by Guangfa Bank.
2. Which bank is better for venture loan?
Each bank's venture loan has its own different characteristics. For example, the business loans of commercial banks are mainly prepared for those who are on the way to start a business but need funds, while the business loans of rural credit cooperatives are generally prepared for rural self-employed or farmers to start a business. Choosing the right bank can save you a lot of thought and time when you borrow money. In addition, each bank has different requirements for handling venture loans. For example, ICBC has been strictly handling the loan business, and it is difficult to pass the examination and approval if the individual application materials are incomplete. It is relatively easier for Bank of Communications to apply for a venture loan than ICBC, and the expected annualized interest rate is also lower. If necessary, you can make a comparison with all local banks and choose. At the same time, some banks may have loan conditions when handling. For example, to apply for a personal investment and business loan, the lender 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; Can provide effective guarantee recognized by the lender.
Third, the interest rate of student entrepreneurship loans and which bank will handle loans will be low.
Expand all the reference materials: 1. Application form for college graduates to start their own businesses; 2. Original and photocopy of graduation certificate; 3. The original and photocopy of my ID card; 4. Registration card; 5. One-inch photo and two business offices; 7. Documentary proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants; 8. Identity documents of college students' entrepreneurial loan applicants and their spouses (including the original resident ID card, household registration book or other valid residence permit) and the guarantee materials of the marriage applicants: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person with the right to dispose of it agrees to mortgage (pledge), the business certificate issued by the appraisal department recognized by the bank that the loan applicant handles mortgage (pledge) appraisal, and relevant agreements, contracts or other materials in the use of the loan;
apply for
1, fresh graduate, graduated within two years;
2. College degree or above;
3. 18 years old or older;
4. After graduation, register unemployment with the social security department.
Application process:
Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will personally sign the loan contract and guarantee contract with the borrower, usually within 5 working days after submitting the information.
1. accepted. The applicant proposes to the management service center of the college students' pioneer park, and the management service center of the college students' pioneer park conducts the preliminary examination;
2. review. After the preliminary examination, the Finance Bureau and other relevant departments will review the object information of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, number of employees, registered capital, profits and taxes, and verify the discount amount;
3. publicity. The object of interest and the preferential amount shall be publicized by the Personnel Bureau and the applicant's unit or community, and the publicity period shall be 5 working days;
4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;
5. payment. According to the approval notice of the relevant departments, the Finance Bureau allocates funds from the special funds for self-employment of discount students.
Interest-free loan conditions for college students:
1, college degree or above
2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;
3. domicile or business premises;
4. Business license and business license, stable income and ability to repay principal and interest;
5. Existing projects invested by entrepreneurs.
Preparation materials for college students' interest-free loans:
1, identification;
2. In the transcript;
3. Graduates are required to provide graduation certificates and degree certificates;
4. Checklist of frequently used bankbooks or bank cards in the past 6 months;
5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.
6. Check whether students have bad criminal records.
The process of interest-free loans for college students;
1. When applying for the registration of the establishment of individual industrial and commercial households, college graduates shall present to the registration authority the graduation certificate and personal identity card of ordinary colleges and universities, and the national employment registration certificate for graduates of ordinary colleges and universities or the national employment registration certificate for graduate students (hereinafter referred to as the "registration certificate") issued by the employment authorities of provincial colleges and universities;
2. After verification by the registration authority, go through the registration formalities according to law, indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me, and indicate "college graduate" after the name of the business license operator of individual industrial and commercial households;
3. College graduates are exempt from the above-mentioned related fees with the business license of individual industrial and commercial households.
4. What are the procedures for a good bank to start a business loan?
College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. 1. The amount of college students' entrepreneurial loan is 80,000 ~ 1 10,000 yuan. 2. Application process: 1. Accept. The applicant applies to the management service center of the College Students Pioneer Park (established by major universities and relevant state departments) and submits relevant application materials, which will be audited by the management service center of the College Students Pioneer Park; 2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount; 3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days; 4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval; 5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment. At present, most banks have not offered personal business loans. If the applicant's company has been established and wants to apply for a SME loan, it is suggested to directly dial the bank's human services-corporate business (service time is 8: 30- 18: 00 on weekdays) to enter the human services consultation. 4. Different banks and cities have different loan conditions for small and medium-sized enterprises and need targeted consultation.