Rong 360 loan strategy>How to apply for a startup loan
How to apply for a startup loan
Encouraged by national policies, the way of self-employment is becoming more and more diversified. For example, college graduates can enjoy financial discounts when applying for entrepreneurial loans. However, if you are no longer a college student, what are the “people-friendly” loans?
Related questions and answers
  • How do individuals apply for a start-up loan?
    In fact, in real life, the most common is the bank venture loan. Such loans refer to individuals who have the ability to operate or have engaged in production and operation activities, and a special loan for issuing loans after the bank recognizes the effective guarantee due to the venture or re-starting funds. However, it is necessary to repay the amount of economic repayment to determine the amount, generally the highest single is 500,000. There are three points that must be met when applying for such a loan: First, the loan applicant must have a fixed residence or business premises. Second, business licenses and business licenses, stable income and ability to repay debts; the third is that entrepreneurs have invested in their own projects. With the above conditions, individuals can apply for a start-up loan.
  • How to apply for a personal entrepreneurial loan?
    Hello, the borrower applying for a personal entrepreneurial loan must have the following conditions: 1. Have full civil capacity and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant industry business license issued by the industrial and commercial administration. 3. Engaged in legitimate production and operation activities, the project has the potential for development or market competitiveness, and has the ability to repay the principal and interest of the loan on schedule. 4. Good credit, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee approved by the bank. 5. There are fixed residences and business premises in the agency. 6. Other conditions imposed by the bank. Amount requirement: The amount of the venture loan is generally required: the maximum amount does not exceed 70% of the total funds required for the borrower's normal production and operation activities, the purchase of small equipment and the franchise chain operation; the term is generally 2 years, and the maximum is not more than 3 years. The term of production and operation of working capital loans is up to one year; the personal entrepreneurial loan shall be subject to the term loan interest rate promulgated by the People's Bank of China, which may fluctuate within the prescribed range.
  • How to apply for a startup loan?
    Hello, you can apply, you need to provide the following materials: 1, identity and business place certificate: the loan applicant must have a valid and valid identification and proof of legal residence in the location of the loan bank, as well as a fixed residence or business premises. Your fixed residence can make the rental contract, or your real estate license, the certificate of the industry premises should hold the business license issued by the industrial and commercial administration and the business license of the relevant industry, indicating that it is engaged in normal production and operation activities. 2. Proof of funds: You must have certain self-owned funds. The maximum amount of venture loan requirements should not exceed the liquidity required for the normal production and operation activities of the lender, and the funds required for the purchase (installation or repair) of small equipment and franchise chain operations. 70% of the total. 3. Settlement account: The loan applicant must open a settlement account at the bank where the loan is made, and the operating income must be settled by the bank. 4, loan guarantee: real estate mortgage, deposit certificate pledge and third-party guarantee three forms, as much as possible to provide some of their own credit status, repayment ability and loan investment information to the bank.
  • How to apply for a startup loan
    Hello, the following are the conditions for applying for a business loan: 1. The first point is that the applicant must be within the age of 18-50. 2. The second point is that you must be unemployed for up to 6 months before you can apply. 3. The third point is that you must have a valid and valid identity certificate and proof of legal residence in the location of the loan bank, as well as a fixed residence or business premises. 4. The fourth point is to go through the relevant formalities at the local labor and social security department and apply for the Employment Unemployment Registration. You can use this to prove the business execution tax registration certificate and the store lease contract and other valid documents, and apply for the small secured loan to the social security bureau where the household registration is located. .
  • How to apply for a personal entrepreneurial loan?
    Hello, the application for a personal entrepreneurial loan needs to meet the following conditions: (1) 18 years of age, with legal and valid identification and legal residence certificate of the bank, fixed residence or business premises; (2) holding industrial and commercial administration The business license issued by the agency and the business license of the relevant industry, engaged in legitimate production and operation activities, have a stable income and the ability to repay the debt; (3) the borrower's investment project has certain self-owned funds; (4) The use of the loan is in compliance with relevant state laws and the Bank's credit policy, and is not allowed to be used for equity equity investment; (5) Opening the settlement account with the Bank, the operating income is settled by the Bank.
  • I want to start my own business now, how to apply for a business loan
    Generally speaking, the conditions for applying for a business loan mainly include the following aspects: 1. Having full civil capacity and being under 50 years of age. 2. Engage in legitimate production and operation activities. The project has the potential for development or market competitiveness, and has the ability to repay the principal and interest of the loan on schedule. Third, good credit, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee approved by the bank. 4. There are fixed residences and business premises in the handling agencies. 5. If it has been opened, it shall hold the industrial and commercial business license, tax registration certificate and relevant industry business license issued by the industrial and commercial administration authority; if it is still in preparation, it shall provide relevant business certification. If you meet the above requirements, you can go to the bank to apply for a loan. You must also carry the relevant documents, which is easier to pass the bank's review.
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