1. Introduction of Risk Loan of Jinzhou Bank
Jinzhou Bank is a financial institution approved by China Banking Regulatory Commission. Established earlier, it has branches in Jinzhou, Beijing, Tianjin, Shenyang, Dalian, Harbin, Dandong, Fushun, Anshan, Fuxin, Chaoyang and other cities. If local citizens have credit needs, they can handle it with their personal data.
Jinzhou Bank Venture Loan is a product specially provided for self-employed, which can be used for early operation and middle and late expansion. The maximum loan amount is 500,000 yuan, the term is about 1 year, and the longest is no more than 3 years.
Two. Application conditions of Jinzhou Bank's venture loan
1. You must have a local permanent residence, a fixed residence or business premises, a formal business license and relevant enterprise certificates.
2 must open a settlement account in the loan handling bank, and the main settlement business is handled in the handling bank.
3. Enterprises cannot fully use the loan funds, and must have more than 50% of their own funds.
4. Venture loans need to be pledged, mortgaged or guaranteed by a third party that meets the requirements of the bank.
5. The borrower's credit information is good.
3. How to borrow the venture loan from Jinzhou Bank?
1. Prepare the application materials needed by the bank and submit the loan application to Jinzhou Bank.
2. The bank will conduct a preliminary examination. If it meets the requirements, the account manager will go to the site for investigation and interview with relevant personnel of the enterprise.
3. The bank conducts internal approval and waits for the approval result.
4. If there are changes in shareholders, major changes in operations, changes in guarantees and financial difficulties, you need to contact the account manager in time.