Venture loan refers to the loans provided by banks to individuals in order to support the development of private economy, private enterprises and individual operators, and to help individuals in urgent need of development achieve their goals as soon as possible.
Bank's requirements for loan applicants
(1) has reached the age of 18, and has a legal and valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;
(2) Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
(3) The borrower has certain self-owned funds for investment projects;
(4) The loan shall be used in accordance with relevant national laws and bank credit policies, and shall not be used for equity investment;
(5) Open a settlement account in the bank, and the operating income will be settled by the bank.
Loan applicants need to provide application materials.
(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) Proof of repayment ability such as personal or family income and property status;
(3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes;
(4) Guarantee materials: the ownership certificate and list of the mortgaged property or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of the mortgaged (pledged) property issued by the appraisal department recognized by the bank. Agree 0| Comment
2. Shenzhen self-employment interest-free loan application materials?
Application materials: ID card, household registration book, social security card, application form, go to the sub-district office of Dangqun, where the household registration is located, and notify by SMS after approval.
Three, how to apply for Shenzhen business subsidies and interest-free loans?
1. Don't delay the application prematurely. The simpler the process, the higher the quota. If you apply near the end of the year, you will have to queue up slowly. As far as the current situation is concerned, 1 1 all customers are scheduled to apply after the year. Those who have applied have to wait about 30 days before the bank can arrange the inspection, which is slower than before 10 times.
Don't be afraid of trouble. The information you need to prepare is actually those. As long as the conditions are met, we must patiently sort out the information. In recent months, dealing with various departments has actually gone smoothly, without any unexpected troubles. When I am unfamiliar at first, the clerk at the window will patiently tell me where to go and how to get there.
3. The registered company has the conditions to choose the registered address of the incubation base first; There is a Longgang address, and the subsidy is more than 5,000; It is best to have an actual business office address, otherwise it will cost more money to drink tea in the future; If Shenhu is engaged in business start-up subsidies and loans, then before registering a company, you must first apply for an unemployment certificate, otherwise the later identification will not be done.
4. A company can only be appraised once, and the applicant must be certified at the same time. If there are seven people, seven people will go to the street office for identification at the same time. You can't go to three today and four tomorrow, so only the first three people are valid.
Applying for a loan is the same as identification. To apply for an interest-free loan, all personnel must go to the bank to apply together. Seven people, as long as one person submits the application first, then the remaining six people can't apply again.
6. The social security account of the social security company must be opened before the 20th of the current month. Those who need to pay the social security can only deduct the social security in the current month, and then they can identify themselves and apply for interest-free loans in the current month, otherwise it will take another 30 days;
7. There should not be too few personal bank cards, and two common cards can be used; Gong Hu must have flowing water, and it is best to make a profit in the near future; Answer your own entrepreneurial projects and plans, and be confident when asking about the source of repayment; The account manager of the bank should write a report when he goes back and answer their questions as comprehensively as possible.