After meeting the basic requirements of interest-free loans for business licenses, applicants need to go to the local government to consult whether there are relevant preferential policies. If there are preferential policies, you can apply for interest-free concessions. After that, the applicant needs to bring relevant application materials, such as ID card, household registration book, business license, bank flow within six months, etc. Take the information to the bank outlet, fill out the application form, and then wait for the bank to review it. Wait about 10 working days, and the audit results will come out. After approval, both parties may sign a loan contract. After that, the bank will issue a business license interest-free loan of 200,000 yuan to the designated account. Finally, I need to remind you that after applying for an interest-free loan with a business license, if the applicant is an individual industrial and commercial household, the money will be directly transferred to the settlement account of the loan application bank.
Legal basis: Article 574 of the Civil Law of People's Republic of China (PRC): If the loan term is less than one year, it shall be paid off when the loan is returned; If the loan term is more than one year, it shall be paid at the end of each year; If the remaining term is less than one year, it will be repaid together with the loan.
To apply for an interest-free loan with a business license, the applicant must be at least 18 years old and be a resident of Chinese mainland. Secondly, the applicant needs to hold a business license issued by the relevant industrial and commercial administrative authorities, and the applicant is engaged in legal production and business activities and has sufficient stable income and repayment ability. In addition to the above requirements, after the applicant applies for an interest-free loan with a business license, 200,000 yuan cannot be fully invested in the project, and some idle funds are needed. In the future, the company's income needs to be settled by applying for a bank.
Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.
Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. Whether the individual pays the interest first, then the financial subsidy, or the financial interest in advance, the relevant scheme has not yet been determined, but the financial discount is certain.
What are the conditions for bank interest-free loans? What is the quota?
In this era, there are many ways to borrow money, and interest-free loans are one of them. How much money can I get by going to the bank for an interest-free loan? Moreover, there are many kinds of interest-free loans from banks, and the conditions of various loans are different. Let's take a look at the conditions and quotas for applying for interest-free loans from banks!
1, bank interest-free loan conditions
1) proof of identity and business premises: the loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, fixed residence or business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.
2) Proof of identity and business place: The investment project of the loan applicant requires that it already has certain 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.
3) Settlement account: the loan applicant must open a settlement account in the bank where he lends, 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.
4) Loan guarantee: loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge, third-party guarantee, etc., and provide some information about their credit status, repayment ability, loan investment, etc. to the bank as much as possible, which will increase the credibility of the loan and facilitate the smooth acquisition of the loan.
2. Bank interest-free loan line
Generally speaking, the bank's quota is 65,438+0,000-200,000 yuan, but different banks have different regulations on the maximum loan amount. For example, the maximum amount of Ping An Bank is 500,000 yuan; The maximum amount of the Postal Savings Bank is 50,000 yuan for farmers and100,000 yuan for merchants; The minimum amount of CCB is 5000 yuan. Therefore, the specific situation shall be subject to the provisions of the handling bank selected by the lender.
How to apply for a three-year interest-free loan when starting a business? What's the general quota?
Nowadays, many young people are tired of working life. Facing the double pressure of life and economy, starting a business has become a seemingly good way. As we all know, the state has specially set up some interest-free loan policies to encourage people to start businesses, so how to apply for a three-year interest-free loan? What is the general application volume?
How to apply for a three-year interest-free loan when starting a business?
First of all, we should know who can apply for an interest-free loan. Anyone who has the desire to start a business and is engaged in self-employment, partnership management, partnership establishment and production and business activities can apply. In addition, if they want to apply for an interest-free loan, they also need the applicant to be under 45 years old and have no bad credit record on their personal credit information.
To apply for an interest-free loan, you also need to meet the following conditions:
1, with business license and tax registration certificate.
2. Have a fixed business premises or site lease contract.
3. There is a guarantor or collateral.
4. Other conditions required for handling bank loans.
Generally speaking, the people who apply for interest-free loans are mostly college graduates or above, returning migrant workers, demobilized soldiers, and registered laid-off workers who intend to apply for interest-free (financial discount) loans for youth entrepreneurship with "free loans and subsidies" and "small secured loans".
The maximum amount that an individual venture loan can apply for cannot exceed 70% of the working capital required by the borrower's normal production and business activities. The loan interest rate is generally based on the Bank of China loan interest rate standard, which can fluctuate up and down within the prescribed range.
In addition, it should be noted that not all industries can apply for venture loans. The industry applying for venture loans must be a low-profit industry. If it is an industry restricted by the state, such as construction, entertainment, advertising, sauna, etc. They can't apply for interest-free business loans.
The above is the answer to the question about "three-year interest-free loan for starting a business", and I hope it will help everyone!
This is the introduction and end of the enterprise interest-free loan quota. I wonder if you found the information you need from it?