1. Applicant's age 18 years old to under 60 years old, with full capacity for civil conduct and Chinese mainland household registration.
2. Applicants should hold business license, tax registration certificate and relevant industry licenses.
3. The applicant needs to engage in legal production and business activities, and the business projects have certain development potential and market competitiveness.
4. Applicants need to have a good credit record and repayment willingness, abide by laws and regulations, have no bad credit record, and be able to provide collateral or guarantor.
5. The applicant must have a fixed residence and business premises in the loan area. In the form of lease, the lease contract period should be more than 3 years.
Expand knowledge:
When applying for a loan, you should apply to the neighborhood Committee of your community with the list of collateral (guarantee contract) and valid documents. Meet the conditions, the neighborhood committee to your street (town, township) recommended; Where the street (town, township) reported to the county (autonomous county, city) labor and employment departments, labor and employment departments in conjunction with the financial sector within 5 working days to review.
And send the relevant information to the financial institution that undertakes the loan, and the financial institution will put forward its opinions within 5 working days. If the loan is agreed, it will be directly paid to the loan applicant. The loan term does not exceed one year, and the loan can be renewed for one year. The interest rate shall be subject to the loan interest rate for the same period stipulated by the People's Bank of China.
2. What conditions do you need to apply for a venture loan and what materials do you need for the loan?
Application materials for personal unsecured credit loan: basic information of the borrower, qualification documents, loan certificate (card), power of attorney, etc. ; Financial statements and reports audited or approved by the competent authority in the last three years and the latest issue; Resolutions of the board of directors and relevant approvals from the borrower's superior unit; Project proposal, feasibility study report and approval documents of the competent department; Description of payment plan and repayment source; Commercial contracts related to loan purposes; Other information required by the bank. The above information is for reference only:/activity/product/creditloan-dash-lucky-index.html.
Three, personal business loan application conditions and required information
Now the government encourages college students to drop out of school and start businesses, and provides business loans. As the saying goes, "You get what you pay for", Qin Qiong sometimes sells horses; What's more, we just walked out of society. In the case of poor capital chain, what conditions need to be met to apply for personal business loans? Personal business loan application conditions 1, with full capacity for civil conduct, under 50 years of age; 2. Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce; 3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule; 4, good credit, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank; 5. Having a fixed domicile and business premises in the agency; 6. Other conditions stipulated by the bank. Information required for personal business loan: 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, as well as agreements, contracts or other materials related to 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.
4. What conditions do you need to apply for a venture loan and what materials do you need for the loan?
How to make a successful loan is elaborated in the book Practical Handbook for Entrepreneurs (Renmin University of China Press, author He Jianxiang). The following is a summary for your reference.
Note: This mainly refers to bank loans. As for other financing channels, you can find more answers from this book.
(1) Conditions for obtaining a loan
Generally speaking, small businesses need to meet the following three basic requirements:
Have good credit;
Have the ability to repay the loan principal and interest.
Meet the requirements of bank loans, such as sound financial system, mortgage or guarantee.
Specifically, it includes: opening a basic account or a loan bank; Have the ability to repay the principal and interest on schedule; The asset-liability ratio meets the requirements of the bank; The foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; When applying for medium and long-term loans, the proportion of the owner's rights and interests of the enterprise as a legal person to the total investment required shall not be lower than the investment loans stipulated by the state, and it shall be in line with the national industrial policy, credit policy and bank loan investment, with the project approval documents; Can provide legal and effective guarantee.
Then, how to test whether your enterprise meets the basic conditions of loan (or credit)? You can use the following "self-evaluation form of loan conditions" to see if you have the basic conditions for bank loans.
It should be noted that the loan application conditions of other credit industries such as bill financing and opening letters of credit are different, and the specific conditions shall prevail.
Loan (or credit) condition self-assessment form (example)
1. Planning in advance is an important consideration.
When choosing an account bank, an enterprise should choose a bank with easy loans for small enterprises and an important business settlement bank.
2. Choose to attach importance to small business letter
At present, many banking institutions provide loans for small and medium-sized enterprises. Enterprises mainly know and compare banks in detail through various channels, such as pre-lending theory and friends who have had loan experience, and can investigate from the aspects of small efficiency.
3. Be diligent in asking questions and keep abreast of the policies, methods and channels of loans or financing.
4. Detailed relevant regulations and requirements.
5. Understand and make full use of the country in time.
6. Usually "study hard" and take the initiative to establish a good bank-enterprise relationship with the bank.
7. Good at performance
8. Use the "interpersonal network" in a timely manner.
9. Improve corporate credit.
10. Obtaining bank loans indirectly from the company.
(3) What does the enterprise credit evaluation mainly examine?
Enterprises are applying for loans, guarantees and national innovation funds for small and medium-sized science and technology enterprises, striving for projects such as government procurement, support funds and discount support, and conducting inter-enterprise business evaluation. Credit rating is generally divided into AAA, AA, A, BBB, BB and B from high to low. Banks and third-party credit evaluation agencies have different credit evaluation processes and standards, but generally speaking, they mainly examine the following aspects:
1. Enterprise operating conditions
2. Corporate governance and management level
3. Financial status of the enterprise
4. Enterprise
(four) the loan process and the list of materials to be submitted (omitted)
The loan processing process is complex and there are many materials to be submitted, which makes many loan companies have a headache. To this end, we sorted out the contents of most bank loan processing procedures, and summarized the complete loan process from establishing a credit relationship with the bank to repaying the principal and interest according to the contract and the list of materials to be submitted, which can help you easily handle the loan. The specific process is as follows (the following contents are for reference only, subject to the requirements of the bank to be loaned):
1. Establish a credit relationship with the bank
2. Apply for a loan and submit relevant materials.
3. The bank conducts pre-loan investigation.
4. Banks review and approve loans.
Access to credit
6. Repay the principal and interest according to the contract requirements.
For more details, please read the Practical Handbook for Entrepreneurs (by He Jianxiang).