1, prepare materials
These materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving ownership certificate and list of collateral or pledge.
Collateral appraisal report issued by the appraisal department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on.
Step 2 fill in the application form
The applicant holds the business plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for a business loan.
Step 3 get a recommendation
After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the conditions of the opening loan, it should sign the recommendation in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant.
4. Identification
The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account Loan.
5. Bank acceptance bills
The applicant shall submit a loan application to the designated bank acceptance point with the "Application for Starting a Business Loan" signed with recommendation opinions and identity confirmation opinions, and provide relevant materials.
6. Loan review
The bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of the Application for Opening an Account Loan and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions.
Step 7 apply for a loan
After accepting the bank's opinions on loan guarantee, the lender's individual (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.
Extended data:
The application conditions for venture loans need to be specific as follows:
(1) has full capacity for civil conduct and is under 50 years of age.
(2) Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.
(3) Engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule.
(4) It has a good credit standing, is law-abiding, has no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank.
(5) Having a fixed domicile and business premises.
(6) Open a settlement account in the bank and handle daily settlement through the bank account.
(7) Other conditions stipulated by the bank.
The conditions for applying for small loans are:
(1) It has a proper occupation and a stable income source (the monthly salary income must be above 1000 yuan), and it has the ability to repay the loan principal and interest on schedule;
(2) The borrower's unit must be an administrative department, enterprise or institution recognized by the bank and having a good cooperative relationship with the bank, and the bank will pay wages on its behalf;
(three) abide by the law, no illegal acts and bad records;
(4) Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
(5) Other conditions stipulated by the bank.
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