Basic conditions for applying for a venture loan: 1. Proof of identity and proof of business premises. Proof of funds. Settlement account 4. Loan guarantee.
Which banks provide venture loans: 1. China Industrial and Commercial Bank's pioneering loan business.
Industrial and Commercial Bank of China has been strictly handling loan business, and it is difficult to pass the examination and approval if the individual application materials are incomplete. See table 1 for details.
2. Bank of Communications venture loan business
Compared with ICBC, it is easier for Bank of Communications to apply for venture loans with lower interest rates. See Table 2 for details.
3 Shenzhen Development Bank "Chuangyebao" personal exhibition loan
"Chuangyebao" personal exhibition loan is a RMB loan issued by Shenzhen Development Bank to individuals for the capital needs of the lender's production and business activities.
4. Personal investment and operation loans of China Bank.
Loan conditions: to apply for personal investment and business loans, the lender must meet the following basic conditions: having permanent residence in cities and towns or valid residence status; No bad social credit record and good credit; Open a general deposit account with China Bank; The market prospect of operating products is good and the economic benefits are good; It is in good operating and financial condition; Can provide effective guarantee recognized by the lender.
Loan amount: the starting point of the loan is 30,000 yuan, and the maximum is 654.38+million yuan.
Loan term: no more than three years.
Loan interest rate: The fixed interest rate of the same grade of the People's Bank of China shall be implemented, and it shall rise appropriately.
General process of applying for venture loan: 1. Preparation materials 2. Fill in the application form. Get the recommendation 4. Confirm identity 5. Accept a loan. Review loans. Apply for a loan.
How to improve the application success rate: 1. Banks generally favor lawyers, doctors, civil servants, employees of public institutions and people in the financial industry. Such people are listed as priority targets for credit loans. If there is such a relative, it is easier to apply for a loan in his name.
2. Choose industries with good development prospects.
We can consider industries with good operating efficiency and wide business scope encouraged by some countries, so it is easier to get bank loan support.
3. Find a professional guarantee company
If you really need funds urgently and lack collateral that meets the requirements of the bank, you can consider finding a professional guarantee company. However, it will cost the guarantee company a lot of money. According to the relevant regulations, the guarantee company will charge the lender no more than 50% of the bank loan interest in the same period, and some companies will also charge some risk compensation in other names.