Rural entrepreneurship loans can be applied according to the following procedures: 1. The applicant submits the loan application materials to the Communist Youth League organization. 2, organize the examination and approval of loans and submit them to rural credit cooperatives. 3. Rural credit cooperatives review loans. 4. The loan contract is signed after examination. 5. Loans from rural credit cooperatives. 6. The applicant repays the loan on time. Preparation materials and approval process of rural business start-up loan: 1, prepare ID card, business license, loan guarantor, business start-up certificate, repayment ability certificate and other materials, and submit a loan application to the Labor and Social Security Bureau where the household registration or business operation is located. 2. Next, the staff will review the borrower, usually for personal data, credit and entrepreneurial ability. 3. After the first trial is passed, they will write a letter of recommendation and report it to the superior guarantee institution. After the final review is passed, they will sign a loan contract with the borrower ... 4. The last step is to get the information, sign a loan contract with the bank, and the bank will issue loans. 1. identification and business place. The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities. 2. The funds prove that the loan applicant has certain self-owned funds for the investment project. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. 3. Settlement Account The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity. 4. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

Ii. 202 1 new business license loan policy?

For 202 1 customers who need loans, we divide them into the following scenarios:

1, existing enterprises and real estate are used as collateral to supplement the cash flow of enterprises;

2. The interest on the mortgaged house is relatively high, and I want to replace the customer base;

I want to improve my living environment, but I don't have enough money to give my clients.

In any of the above scenarios, choosing the right banking products may save 30% of the bank interest rate. The latest bank loan interest rate is 202 1, please refer to:

2021March 30th, Bank of Beijing preferential policies

02

After reading this, many fans still don't understand. How can you simply choose a specific product?

Then we'll tell you 202 1 the simplest product:

1, the enterprise needs 6 months (both registration and acquisition are required)

2. Real estate (newly bought second-hand house has been transferred for 3 months)

3. Credit information: The credit information of husband and wife borrowers and enterprises is good, and there is no lawsuit or punishment.

4. Income: Personal income Enterprise income can cover twice the loan amount.

Loan strategy: why was it rejected? A little secret hidden in the running water of the bank

5. Liabilities: personal credit loans and credit card real estate loans cannot exceed 70% of total assets. To put it bluntly, your assets are 6,543,800,000 yuan, and your total credit liabilities are no more than 7,000,000 yuan.

After meeting the above conditions, we will choose banking products for you:

① Operating loan: the annual interest rate is 3.5%~3.85%, and the amount is100000. When the enterprise is established 1 year or more, the running water can cover 2 times (new transfer can be handled).

② Operating loan: annual interest rate: 4.5%, with a maximum of 65,438+00 years, with interest first and capital later, and running water covering the monthly payment.

③ Operating loan: annual interest rate: 3.85%-5.25%, with a quota of 30 million yuan. It can be used for business offices, shops, luxury houses and real estate under the company's name, with equal principal and interest for 20 years and a room age of 40 years.

(4) Operating loan: the annual interest rate is 5.5%~7%, and the maximum for real operation is 8.5%, and the approval is extremely fast. The property with the longest operating life is 15 years.

⑤ Operating loan: the interest of one loan for two years is 4. 15%. If the real estate enterprise lasts for more than 3 months, the loan amount is 100000, and the longest loan is10 year, which can be repaid in 30 months.

⑥ Enterprise credit: The annual interest rate is 4.25%-6.5%, the amount is1-50,000, and all kinds of enterprises with tax grade B/ Zhongguancun/Hi-tech can give priority to interest payment.

⑦ Quick loan: 0.625% monthly interest, new? Shareholders' residence in the Fifth Ring Road, with a quota of 6,543,800,000 yuan, with interest paid first and principal repaid later, with a maximum of 3 years.

We have selected 7 efficient products from 30 banking products for you.

There are differences in processing time, interest rate and customer base, which can meet most customers who need financing loans. Some fans asked: How to quickly choose the best banking product for you?

This requires the following conditions:

1, investigation of its own conditions (including real estate, credit, tap water and company)

2 understanding of bank products (including interest rate, percentage, repayment method, loan term, stability, etc.). )

3. By combing your own conditions and needs, with the help of professional consultants, you can meet the application conditions of the bank.

Instead of saying, 3.5% annual interest rate is ok?

The question should be: check your own conditions correctly and then see what kind of bank loan you can apply for? Don't delay the best financing opportunity because of your lack of conditions.

03

We believe that as long as your credit information is not particularly bad, all the above banking products can be satisfied. 202 1 with the passage of time, the bank's loan policy for small and micro enterprises will continue to tighten and the threshold will continue to increase. If you want to save financing costs, from the latest policy:

The operating loan of 202 1 will continue to receive all-round support from the policy, which is a very good opportunity to cut in. Whether it is replacing loan products or financing small and micro enterprises, we need to actively plan and prepare, so that the saved money can be used for business operations, enhance corporate profits and achieve high-quality growth and development.

For customers who buy new properties, I suggest that you not only need a professional property consultant, but also find a professional financial consultant before buying a house, first understand the latest bank loan policy, and then do what you can according to your own conditions? ..

Three, how to write an application for farmers' entrepreneurship and loans

I'll give you a version:

Application form/application

Dear leaders of xx Credit Union

My name is xxx, male, xxx family, married, born on xx, xx, and I live in xxxxxxxxxxxxxx. My ID number is xxxxxxxxxxxx. I work outside all the year round, engaged in the manufacture and installation of aluminum alloy doors and windows. After years of work, I learned the manufacturing and installation technology of aluminum alloy doors and windows, and I have saved 60 thousand yuan. Now I am returning to my hometown to start a business. I rented a foundation of about 40 square meters in Tangqiao Road, Baiceng Town, Zhenfeng County (lease term 10 year), built two facades on the foundation, and opened a professional aluminum alloy door and window manufacturing and installation shop. For the convenience of transportation, I also bought a Dongfeng truck worth 30 thousand. At present, the funds are insufficient, so I hereby apply for a loan of RMB 20,000 only (RMB 20,000) to make up for it. The term is two years, after which the principal and interest will be paid off in one lump sum. I hope the leaders of your club will give me approval.

4. How to write the application for entrepreneurship loan for returning migrant workers? Please tell me, thank you! ! !

Find the labor and employment bureau and train first.