1. What procedures do I need to go through for a business loan?

Credit loans generally require the ID cards, household registration books, and proof of the purpose of the loan of both the borrower and his wife; mortgage loans also require real estate. Certificate and other information

2. What procedures are required to apply for a free entrepreneurial loan for college students in Yunnan?

The application conditions for applying for a college student entrepreneurial loan in Yunnan: The objects of personal entrepreneurial loans must be issued by the industrial and commercial administration authorities Owners of individual industrial and commercial households and capital-funded enterprises with unincorporated business licenses. Borrowers applying for personal business loans must meet the following conditions: 1. Have full civil capacity and be under 50 years old. 2. Hold an industrial and commercial business license, tax registration certificate and relevant industry business license issued by the industrial and commercial administration authority. 3. Engage in legitimate activities with development potential or market competitiveness. 4. Have good credit standing, comply with laws and regulations, have no bad credit and debt records, and be able to provide mortgages, pledges or guarantees recognized by Industrial Bank. 5. In the scriptures. 6. Open a settlement account at Industrial Bank and handle daily settlement through the Industrial Bank account. 7. Other conditions specified by Industrial Bank. The maximum loan amount required for personal business loan is non-current capital, the purchase (installation or repair) of small equipment (machines), and the capital period required for franchise chain operation is generally 2 years, and the maximum is not more than 3 years, of which the loan period for production and operating working capital is The maximum limit is 1 year. 3. Personal entrepreneurial loans will fluctuate within the range promulgated by the People's Bank of China. Loan repayment method 1. Loan term: In-business loans, personal entrepreneurial loans that require one-time repayment of principal and interest for more than one year upon maturity, loan-interest repayment method or equal principal repayment method, or other methods agreed upon by both parties.

3. What procedures are required for a business loan in 2021?

2021

Loan exemption and subsidy

1. Where can I apply for a business guaranteed loan?

Entrepreneurship guaranteed loans are divided into "loan exemption and subsidy" and personal entrepreneurship guaranteed loans. To apply for an entrepreneurship guaranteed loan, go to the county or city Youth League Committee to apply!

2. What is the amount of "loan exemption and subsidy" and personal business guaranteed loan, and how long is the period? How to repay?

Loan amount: no more than 200,000 yuan. If qualified borrowers start a business in partnership, the amount will be assessed at a standard of 200,000 yuan per person based on the number of partners, with a maximum limit of 1.1 million yuan.

Loan term: no more than 3 years.

Repayment method: "Loan exemption and subsidy" repay the entire principal in three installments, that is: repay the principal of RMB 10 in the 12th month after the loan contract is signed, and repay the principal in the 24th month after the loan contract is signed. The deposit is 20, and the principal repayment is 70 in the 36th month after the loan contract is signed. After reaching an agreement with the lending financial institution, the borrower can repay the loan in advance as stipulated in the loan contract. Personal entrepreneurial guaranteed loans can be repaid in one lump sum when due, or in installments as agreed between the borrower, the guarantee institution, and the handling bank.

3. How to determine the loan interest rate of "loan exemption and subsidy" and personal business guaranteed loan?

For "loan-free and subsidy-free" and personal business guaranteed loans (including partnership business loans), the loan interest rate can rise to a certain extent based on the loan market quotation rate - LPR on the date the loan contract is signed. The specific standards are as follows The increase in poverty-stricken areas (including key counties for national poverty alleviation and development and 14 contiguous areas with special difficulties across the country, the same below) shall not exceed 250 BP (i.e. 2.5 percentage points), and the increase in other areas of our province shall not exceed 150 BP (i.e. 1.5 percentage points).

The specific loan interest rate shall be determined by the handling bank through negotiation with the borrower and the borrowing enterprise within the above-mentioned floating upper limit of interest rate based on the operating conditions and credit conditions of the borrower and the borrowing enterprise.

4. How to pay the fiscal interest discount for entrepreneurial guaranteed loans? How to pay interest on the part borne by individuals (corporations)?

Starting from January 1, 2021, the newly issued "loan exemption and subsidy" and personal business guaranteed loans (including partnership business loans) interest, the part below LPR-150BP, will be borne by the borrower and the borrowing enterprise The remaining part will be borne by the government and the government will provide interest subsidies.

5. Who are the recipients of “loan exemption and subsidy” and personal business guaranteed loan support?

The support objects of "loan exemption and subsidy" and personal entrepreneurial guaranteed loans are basically the same. Mainly refers to the following 10 categories of people: registered unemployed people in urban areas; people with employment difficulties (including disabled people); demobilized and retired military personnel; people released from prison; college graduates (including college student village officials, senior college students in school, college students who have taken a leave of absence to start a business and Students who have returned from studying abroad); employees of enterprises to resolve excess production capacity and unemployed people; migrant workers who have returned to their hometowns to start businesses; online merchants; registered poor people; rural self-employed farmers. Employees who rely on platform employment to purchase necessary tools for production and operation are included in the support targets. Starting a business in our province is not restricted by household registration area or industry.

6. What are the prerequisites for applying for "loan exemption and subsidy" and personal business guaranteed loans?

When applying for a loan, the applicant (including shareholders in a partnership) is not employed in government agencies (including on- and off-staff personnel) or state-owned enterprises (except for employees of enterprises that resolve excess production capacity), and does not belong to the Persons who have gone through retirement procedures; when submitting a loan application, except for student loans, poverty alleviation loans, housing loans, car loans, and small consumer loans below 50,000 yuan (including credit card consumption), I and my spouse should have no other loans. .

7. What other conditions should be met to apply for "loan exemption and subsidy" and personal business guaranteed loans?

When applicants and partnership shareholders apply for loans, individuals should generally hold an "Employment and Entrepreneurship Certificate"; the business entity has registered as a market entity and is operating normally, and has clear requirements for the loan funds to be applied for. Business purposes (the applicant is a registered poor person, and if he can provide a registered household certificate issued by the poverty alleviation and other departments, he is not required to apply for market registration); the applicant has no bad credit record; the applicant is a legal business entity The representative can directly submit the loan application. If the applicant is a shareholder of a partnership, the applicant must obtain the authorization and consent of the legal representative.

4. How to get a business loan?

Banks can apply for business assistance loans

The opening process (taking Industrial and Commercial Bank of China as an example)

The applicant applies to the lending bank, and the lending bank conducts a loan investigation And report it to the branch for approval. After approval, the loan funds will be paid to the agreed account.

Customers applying for a loan must provide the following information:

1. Fill in the loan application form.

2. Original and copy of valid identity documents and marital status certificates of the borrower and spouse.

3. Annually inspected business license (or valid operating certificate, merchant operating certificate, stall certificate, etc.) and business site property rights certificate or contracting and leasing certificate materials.

4. Certification materials reflecting the operating status and repayment ability of the borrower or its operating entities.

5. Other materials required by the lending bank.

Extended information

1. Main methods

There are three main options for entrepreneurial loans. Entrepreneurs can choose the entrepreneurial loan that suits them according to the situation.

2. Personal Entrepreneurship

(1) Entrepreneurship loan refers to an individual who has certain production and operation capabilities or is already engaged in production and operation activities. A special loan issued after the bank recognizes the effective guarantee. Qualified borrowers can obtain a single loan support of up to 500,000 yuan based on their personal resource status and repayment ability.

(2) For those who have started a business of a certain scale or become re-employment stars, they can also apply for a higher amount of loans. The term of a business loan is generally 1 year, with a maximum term of no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of entrepreneurial loans can be reduced by 20% according to the same level of interest rates stipulated by the People's Bank of China. In many areas, laid-off workers' entrepreneurship loans can also enjoy a government discount of 60%.

3. Commercial mortgage

(1) For many personal loans handled by banks, as long as the mortgage procedures meet the requirements, the bank will not ask about the purpose of the loan. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan limit is 300,000 yuan.

(2) If you need to purchase a commercial house along the street to start a business, you can use the house to be purchased as a mortgage and apply for a commercial housing loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house to be purchased. The loan period The maximum period shall not exceed 10 years.

4. Guaranteed loan

If you have no certificate of deposit, national debt, or insurance policy, but your wife or parents have a stable income, then this can also become an excellent credit resource. At present, banks have a special preference for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and personnel in the financial industry are all listed as preferential treatment targets for credit loans.