You can apply for a business loan. At present, there are three main ways: (1) individuals (including partnerships) start their own businesses in Changsha (including six districts, three counties and cities), and those with insufficient self-raised funds can apply for small secured loans; (2) The Communist Youth League Committee, the Municipal Entrepreneurship Office, the pilot sub-branch of Changsha Bank and Yuelu District SME Credit Guarantee Co., Ltd. * * jointly set up the Changsha Entrepreneurship Youth Financial Service Center, and set aside 300 million yuan of special loan funds from the pilot sub-branch of Changsha Bank every year to support Changsha youth entrepreneurship, which can be guaranteed; (3) The Postal Savings Bank has started business, and can borrow money by mortgage and joint guarantee.
Second, how to borrow the youth entrepreneurship loan from the Postal Savings Bank?
It is suggested that you can log on to the online banking of the Postal Savings Bank or consult the local Postal Savings Bank. The following is what I know, depending on your own specific situation.
Bengbu City Loan Network is the first loan information platform, the first loan publicity platform and the first loan intermediary platform in Bengbu. Welcome to Bengbu Tongcheng Loan Network. Address: Floor 2, Mingzhu Community Property, Donghai Avenue, bengshan district, Bengbu.
Loan amount:
The loan amount can be up to 5 million yuan, subject to the provisions of the local post office;
The maximum revolving credit line is implemented, which can be repaid with the loan and reused within the limit.
Loan term:
The longest term of revolving credit is 5 years. During the revolving credit period, the business activities are normal, and the use of funds meets the conditions of the loan bank, and you can apply for loans for many times;
The maximum term of each loan is 5 years.
Loan interest rate:
The benchmark interest rate of commercial loans of the People's Bank of China will float appropriately.
Repayment method:
1, equal principal and interest
Repay the loan principal and interest in equal amount every month within the loan term.
2. Equal principal and interest in installments
Within a certain grace period, the loan only repays the loan interest but not the principal. After the grace period, the loan will be repaid according to the repayment method of equal principal and interest;
3. One-time repayment of principal and interest
Repay the loan principal and interest in one lump sum at maturity;
Loan guarantee:
Real estate is mainly used as collateral, including personal housing and commercial housing, as well as other collateral required by the Postal Savings Bank.
Processing channel:
You can apply online at the local Postal Savings Bank, which provides personal business loan services, or log on to the online bank.
Time limit for processing:
Issue approval opinions within 7 working days at the earliest. Please consult your local post office for details.
Processing flow:
Application → field investigation → examination and approval → signing contract → implementing guarantee conditions → effective amount → withdrawal.
Application materials:
Materials to be submitted for applying for personal business line loan:
1, personal business loan line application form;
2. The original and photocopy of the valid identity documents of the borrower and its spouse;
3, the borrower's household registration book and proof of residence for one year;
4. Legal production and operation procedures. Such as: the original business license and tax registration certificate that have passed the annual inspection; Engaged in special industries, should provide the original and copy of the business license of the relevant administrative departments; If it is a limited liability company or partnership, it is also necessary to provide the organization code certificate, the original and copy of the articles of association;
5. Original and photocopy of the property right certificate (or lease contract and agreement) of the business premises;
6. If the real estate mortgage is involved, provide the original real estate license, land use right certificate and ownership certificate, and the original and photocopy of the ID card of the mortgagor and spouse;
7. Your personal settlement account opened in the Postal Savings Bank;
8. Other materials required for handling loans.
Third, how to borrow the youth entrepreneurship loan from the Postal Savings Bank?
Hello, the farmers of the Postal Savings Bank are loans for rural planting, breeding and other production and business purposes. The borrower must be married, have more than two laborers in his family, be between 18-60, have a local household registration or have lived in the local area for more than one year, and have more than one year experience in planting and breeding. At the same time, it is necessary to provide 1 to guarantee two natural persons. Guarantors require people with stable income, such as national civil servants, teachers, doctors, etc., or form a joint guarantee team of 3 to 5 households. If all the conditions are met, the maximum loan amount can be less than 50 thousand yuan. The merchants of Postal Savings Bank are used for the business and turnover of merchants and Wechat business owners. The borrower must have a business license, have been in business for more than half a year, be aged between 18-60, have a local account or have lived in the local area for more than one year, and need to provide 1 or two natural persons as a guarantee. Guarantors are required to be civil servants, teachers, doctors and other groups with stable income. Or form three joint guarantee groups. When all conditions are met, the maximum loan amount can be less than 6,543,800 yuan. : Pledge the unexpired lump-sum deposit certificate of the Postal Savings Bank; Commercial loan: it requires a business license to operate normally for more than one year, and a real estate mortgage; Personal comprehensive consumption loan: it needs to be mortgaged by the house owned by the borrower; Personal housing loan: the main guarantee is the housing purchased by the borrower. The housing age does not exceed the fixed number of years stipulated by the local postal savings bank, and the mortgage registration can be handled in the local housing management department; Personal commercial housing loan: secured by the mortgage of the purchased house.
4. How long does it take to approve the postal venture loan?
The entrepreneurial loan of the Postal Savings Bank is generally released about one month after the application.
After applying for a loan, the loan information submitted must be reviewed by the Postal Savings Bank, which takes about 30 working days to complete.