First of all, if Taizhou college students need to apply for a business loan, they must have a promising project or be on the way to start a business. Generally speaking, the applicant's business license is the main proof of Taizhou college students' business loan. To sum up, Taizhou college students' entrepreneurial loans need to meet the following conditions:
First, the applicant for Taizhou college students' entrepreneurial loan must have a fixed residence or business premises;
Second, business license and business license, stable income and ability to repay principal and interest;
The third and most important point is that the projects invested by entrepreneurs already have their own funds.
Only those who meet the above conditions can apply to the bank. The materials to be provided when applying for Taizhou college students' entrepreneurial loan mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc.