Application method of risk loan
There are three main ways to choose venture loans, and entrepreneurs can choose their own venture loans according to the situation.
(1) personal venture loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. 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.
(2) Commercial mortgage loan
At present, as long as the mortgage procedures meet the requirements, banks will not ask about the use of personal loans handled by many banks. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
(3) secured loan
If you don't have certificates of deposit, treasury bonds or insurance policies, but your wife or parents have a stable income, then this can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.
You can go to Easy Loan China official website to learn more about loans. You can also submit a loan application online to see if your qualifications match the relevant institutions. Click on the online application link:
The general loan process is that you submit personal loan requirements and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant. If the contact person passes the preliminary examination, then guide the loan applicant to provide the required materials, and then finally issue the loan.
General loan application, the required materials are as follows, you can refer to your own judgment-
Original and photocopy of the borrower's valid identity certificate;
Local permanent residence or valid residence identity certificate
Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage.
A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
Credit certification materials of the guarantor.
Collateral appraisal report issued by the appraisal department recognized by the society.
Other documents and materials stipulated by the bank.
Easy loan China loan fraud prevention Remember: In fact, the tricks of scammers are very simple and can be summarized as follows:
(1) The loan requirements are extremely low, and no mortgage or other requirements are required. It can be said that you can get a loan if you want.
(2) I dare not disclose the name of my company, I can't provide the company's business license or the company has no investment scope, I can't provide formal contract texts and invoices, and I won't even give you a landline. You only know the other person's cell phone, but you can't even see the other person's face.
(3) Before the loan arrives, you should charge your so-called travel expenses, interest, handling fees, attorney fees, etc. Anyway, it means asking for money. After you get it, you won't be treated again.