If you have no money to start a business, you can go to the bank for a loan.
If you want to start a business but don't have the money, you can apply for a business loan directly from the bank, with your personal ID card, proof of legal residence (household registration book or temporary residence permit) where the loan bank is located, business license issued by the administrative department for industry and commerce and business license of related industries, and proof of funds. , and ask the staff at the counter of the outlet to receive the application form and fill it out, and then submit the form together with the materials to the staff.
Bank loan bill
When applying for a loan, the borrower should make a correct repayment plan according to the real-time loan interest rate and his own economic strength and repayment ability, so as to lead a regular life appropriately.
Choose the appropriate repayment method. There are two ways to repay the equal principal. Once the repayment method is agreed in the contract, it will be used throughout the loan period.
Repay on time every month to avoid penalty interest. The time when the loan is issued is the repayment date. Don't fail to apply for approval of the loan from the bank again.
Second, how to apply for a bank venture loan? Teaching you a few tricks is really useful!
Although our country has been supporting small and micro enterprises and has introduced various policies to require banks to cut interest rates, the loan risk of such small and micro start-ups is still very high. According to statistics, the average life expectancy of small and micro enterprises is, so banks dare not take risks. So how do they apply for loans from banks as entrepreneurial companies?
First, the venture loan risk of newly established enterprises, the operation is still unstable, and whether it can be stable and sustainable is uncertain. Therefore, all new enterprise loan banks have entry barriers, generally established for more than two years, and a few require to be established for more than one year. In addition, this kind of enterprise loan also needs to examine the credit information of individuals, legal persons and other related parties. Second, how to apply for a business loan from the bank 1. If you really can't apply, you can change your mind and change the purpose of the loan. For example, at the beginning, you can apply for a consumer loan in the name of an enterprise and get some start-up funds. 2. Mortgage loan, real estate, real estate, etc. You can make a mortgage loan first, with high amount, low interest and easy passage. 3. Next to the thigh, if a friend is a group supplier and has a commercial acceptance bill, find this group cooperative bank and get a loan by discounting the commercial bill. Generally speaking, if you want to get a commercial loan, you must pay taxes legally first, and you can apply for a tax bill loan later. The second is to keep the original transaction vouchers, which can be used for future financing. Third, we must have core competitiveness. Enterprises can't succeed casually, they must have prospects. I suggest you go to the bank more often and ask more questions when you are free, because each bank has different policies and thresholds. Maybe you can't borrow this one, just change it. It's always right to know more.
Third, how to apply for a business loan?
Step/Mode 1
Apply. The applicant brings information (including: ID card, household registration book, business license, facade contract (or real estate license), employment unemployment registration certificate or migrant workers' return home business certificate), applies to the small secured loan center of the district-level employment service bureau where the household registration is located or where the business is located, and fills in the Application Form for Secured Loan Information in duplicate.
Step/Mode 2
Review. District employment small secured loan center to review the applicant's information. There are two ways to guarantee: 1, counter-guarantor, and people who need full financial support (such as teachers, nurses, doctors, civil servants, etc.). 2. Real estate mortgage (providing property ownership certificate). )
Step/Mode 3
Family survey. For real estate mortgage, the Small Guaranteed Loan Center of the District Employment Service Bureau entrusts bank credit personnel to conduct on-the-spot household surveys to evaluate the value of real estate.
Step/Mode 4
Recognition. After passing the examination, the Small Guaranteed Loan Center of the District Employment Service Bureau shall be approved and publicized.
Step/Mode 5
problem According to the bank account number and other information provided by the applicant, the loan is issued.
Fourth, how to start a business with a bank loan?
The loan procedure is very troublesome. The key is to see if there is anything in your business that can guarantee a loan. Or in line with the national venture loan policy (this should be consulted with local government departments)