Entrepreneurship loan refers to a special loan issued to individuals who have certain production and operation capabilities or are already engaged in production and operation. They apply for capital needs due to starting a business or re-starting a business, and the bank recognizes an effective guarantee.
If you want to apply for a business loan, bring your personal ID card, local legal residence certificate (hukou or temporary residence permit), bank statement and other income proof, as well as a business license issued by the industrial and commercial administration authority, and relevant industry business licenses. Go to the selected bank to apply with your certificate and other materials, pick up the application form at the counter and fill it out, then submit the form together with the information to the bank, and then wait patiently for the bank to review it.
If approved, the customer will go to the outlet to sign a loan contract within the agreed time.
After the relevant procedures are completed, the bank will issue the loan.
Everyone needs to note that to apply for a business loan from Chengsheng, the following conditions must be met:
1. Be over 18 years old and have full civil capacity;
2. Have a fixed residence or business place in the local area and engage in normal production and business activities;
3. The entrepreneurial project complies with the requirements of national industry policies and has certain development prospects and market potential;
4. Good credit;
5. Have a certain amount of own funds and the ability to repay on time.
6. Open a settlement account at the lending bank, and business income must be settled through the bank.
For consultation on entrepreneurial loans, you usually go to the local Human Resources and Social Security Bureau or a specialized college student entrepreneurial park management service center for consultation. Some banks also undertake entrepreneurial loans for college students. The regulations are different in different regions. Please apply The actual local conditions shall prevail.
In addition, applying for college student entrepreneurial loans usually requires a bachelor's degree or above, a fixed residence or business place, and a business license.
If the loan you applied for cannot be repaid when it is due, we can follow the methods below. 1. Ask your family for help: If you encounter difficulties in the process of starting a business and cannot repay the loan, you may wish to explain the difficulties to your family and repay the loan first to give yourself a certain buffer time. I believe your family will be happy to share this with you temporarily. Difficult.
2. Minimum repayment amount: If your loan amount is relatively large and you still cannot pay that amount on the repayment date, you can try to explain the difficulties to the lending institution and apply for the minimum repayment amount, etc. When your own business project makes more profits, you can repay it together. As long as you have a good willingness to repay, it is possible to agree to the application.
3. Credit card repayment: If you have one or two credit cards in your hand, you might as well use the credit card amount to repay the loan. Although it is a way to pay for the past due, it will be difficult to pay back the overdue loan. As a result, this is a good idea, and the minimum monthly repayment amount of a credit card is generally relatively small, which greatly reduces the repayment pressure.
4. Apply for loan extension: If your loan has always been in good condition, but it is just a temporary cash flow problem, you can apply for a loan extension with the lending institution and express your positive attitude of willing to repay the loan. Compared with If you repay the loan, the lending institution will still be willing to give you a certain amount of time.
More and more people are starting a business now, but starting a business is not as simple as everyone thinks. It not only requires a certain amount of financial strength, but also a certain amount of opportunities.