1. Can Bank of Ningbo provide loans only with bank statements?
Bank statements can be printed at the counter or at self-service. Separate into salary flow and cash flow. . . Bank statements generally require the last 6 months. Print on special bank paper, the interest settlement must be accurate, and the amount must be reached.
2. What is Ningbo Bank’s latest loan policy?
Ningbo Local Taxation Bureau cooperated with Ningbo Bank to develop and launch the "Tax Bank e-Loan" platform to tailor financial tax services for honest taxpayers and launch pure credit loan products without additional guarantees. You can apply for up to 50 10,000 yuan loan; the loan product period is flexible, with a maximum loan duration of 3 years and a minimum loan duration of 1 day; the funds are convenient to use and can be recycled within the loan limit and can be borrowed and repaid at any time.
3. Can Bank of Ningbo loans be extended during the epidemic?
According to the Ningbo Banking and Insurance Regulatory Bureau’s requirements on the mortgage relief work for disaster-stricken customers, the Bank of Ningbo recently issued a notice requiring Ningbo Bank to Each branch provides relief support to key disaster-stricken groups, including reasonably delaying mortgage repayment deadlines, flexibly adjusting repayment arrangements, and repairing overdue credit records. Focus on alleviating five categories of people. Under the guidance of the Ningbo Banking and Insurance Regulatory Bureau, Bank of Ningbo will focus on five categories of people: those who are hospitalized or quarantined due to COVID-19 infection; those who need to be quarantined due to epidemic prevention and control; Customers who have temporary difficulty in repaying due to objective reasons; personnel involved in epidemic prevention and control; employees, small and micro business owners, individual industrial and commercial households, farmers, etc. Industries that have been greatly affected by the epidemic; other groups with special difficulties who cannot repay their mortgage loans in time due to the epidemic. "One person, one policy" for mortgage repayment According to the notice of the Bank of Ningbo, each branch in Ningbo can formulate a repayment plan, including but not limited to delaying repayment, reducing interest, etc. According to the actual situation of mortgage loan customers, "one person, one policy". Bank of Ningbo will define the extension period based on the difficulties of mortgage customers affected by the epidemic; loans that have been deferred in repayment will not be collected and will not affect the credit record during the extension period. At the same time, in accordance with the requirements of regulatory authorities, Bank of Ningbo will strengthen the monitoring of account funds to prevent moral risks such as "free riding". Past due credit records can be repaired. For eligible customers affected by the epidemic, Bank of Ningbo has opened a green channel for credit objections. After overdue interest settlement, they can apply for credit record repair. For a customer whose loan is overdue due to the company's lockdown for epidemic prevention, the company issues a prevention and control work certificate, meets the credit protection conditions, and deletes the customer's overdue record. Through a package of protection policies such as "one person, one policy" and "green channel for credit objections", Bank of Ningbo actively responds to the demands of customers affected by the epidemic and provides customers with all-round care and support. In the face of repeated outbreaks of COVID-19, our country insists on putting people and lives first, and insists on external prevention and internal treatment. The financial industry has spared no effort in epidemic prevention and control, innovating online business models, and striving to improve service quality and efficiency. According to the unified arrangement, Bank of Ningbo will strictly implement various requirements for financial support for epidemic prevention and control, and play its role and contribute to "fighting the epidemic, protecting people's livelihood, maintaining stability, and promoting development." Related questions and answers: What are the credit loan conditions of Bank of Ningbo? 1. The loan applicant must have the nationality of the People’s Republic of China and the People’s Republic of China. 2. The loan applicant is between 18 and 60 years old and has full civil capacity. 3. The loan applicant has a stable income and the ability to repay the loan on time. 4. The loan applicant must have a valid identity certificate and a fixed residence. 5. The credit status of the loan applicant is good. 6. The loan applicant meets other conditions of Bank of Ningbo.
4. Are there any good policies for start-ups?
You can take a look
Beijing government’s policies on entrepreneurship
Relevant policies: First, register with the local labor service department and inquire about local preferential policies Where to apply
(1) College graduates who start their own business within two years after graduation must apply for a business license at the industrial and commercial department where the entrepreneurial entity is located. If the registered capital (capital) is less than 500,000 yuan, they are allowed to register before 10 of the capital (the capital contribution will be increased to 50 in installments).
(2) Business income tax for large enterprises or business units in the information industry, technical service industry, and those engaged in transportation, post and telecommunications through the Ministry of Taxation will be halved in the second year. Corporate income tax; newly established enterprises or business units engaged in public utilities, commerce, material industries, foreign trade, tourism, logistics, education and culture, and health services will be exempted from corporate income tax for one year with the approval of the tax department.
(3) State-owned commercial banks and qualified urban credit cooperatives in various countries should provide self-employed graduates with simplified procedures and facilitate account opening and settlement. The loan limit should be determined at around 20,000 yuan. If an extension is required, you can apply for an extension once. The loan interest is determined according to the loan interest rate announced by the People's Bank of China. The maximum guarantee limit is 5 times the guarantee fund, and the term is the same as the loan term.
The talent intermediary service agency affiliated to the administrative department provides free social security, professional titles, file salary and other related procedures for self-employed businesses for 2 years; provides free inquiry of talent and labor supply and demand information, free recruitment advertisements and other services; Municipal Or provide one-time training and evaluation services to employees in talent and labor exchange activities. Bank of Ningbo has two types of loans for individuals: 1. Mortgage: house mortgage. Bailingtong loan targets: 1) civil servants or formal personnel of public institutions; 2) senior managers of enterprises with a registered capital of more than 10 million yuan. These two types of personnel can submit relevant information to the bank, and will be issued after the bank reviews it. loan.
Beijing
Loan amount: up to 500,000, with interest discount provided by the district finance department
Preferential policy: interest discount provided by the district finance department.
In addition to unemployed college graduates with Beijing’s “Reemployment Preferential Beijing Hukou” who want to engage in self-employment or independence, they can also apply for small guaranteed loans.
Beijing Chaoyang
On September 15, the Chaoyang District Government of Beijing proposed in a document to promote the employment of college students that college students registered in the district can apply for 80,000 to 500,000 yuan to start a business. In addition, if you start a business, you can get a rent subsidy of 50 yuan, with a maximum subsidy of 30,000 yuan per year and a maximum subsidy of 3 years.
The document stipulates that if an entrepreneurial college student's project leads to the employment of three people, a one-time reward of 10,000 yuan will be given, and a reward of 2,000 yuan will be given for each person who is promoted to employment, and the total amount shall not exceed 100,000 yuan. The document also encourages college students to start their own businesses and find flexible employment. Unemployed college graduates with Chaoyang household registration can apply to the social security office and district labor security office where they are to start a business. Self-employed businesses can obtain loans of up to 80,000 yuan, and partnerships are considered to be low-profit businesses. , you can also apply for a small loan bank to implement the loan interest rate for the same period without going up.
Annual payment
After deliberation and approval at the municipal government executive meeting, the Municipal Industry and Commerce Bureau announced 30 policies and measures to promote economic growth and support enterprise development. These include many internal school graduates who support college students' entrepreneurship. If they start a business in 2009, those with a registered capital of less than 500,000 yuan (inclusive) are allowed to establish the company.
There are many preferential policies for college students from Beijing to start a business.
“In the past, the registered capital for starting a one-person company had to be paid in full in one go.” The relevant person in charge of the Municipal Administration of Industry and Commerce introduced that in order to support Beijing students with low-cost partnerships, sole proprietorships and individual industrial and commercial households, college students Not only can "patents, non-patents, equity and other non-monetary assets" be used to contribute capital, but those with registered capital of less than 500,000 yuan can also pay full capital in two years. In addition, if you start cultural and creative industries such as cultural brokerage, animation production, technology development, technology transfer, technical services and other technology enterprises or individual industrial and commercial households, you can register in a centralized office area, or you can use your residence as a business location for registration. If it is established in a residential building, it shall be handled in accordance with the relevant regulations of the State Administration for Industry and Commerce. In addition, announcement fees and registration fees are waived, and a green channel is opened to provide convenient services. The whole industry protects time-honored and famous enterprises
It is understood that in the past, there have been many "famous brand" phenomena regarding well-known trademarks. For example, "Tsinghua University and Peking University" are registered by some water heater companies. The Beijing Municipal Industry and Commerce Department will establish an "Active Protection System for Enterprise Names" to provide industry-wide protection to the trade names of time-honored enterprises, well-known trademark enterprises, famous trademark enterprises in the city, and Fortune 500 enterprises within the city.
In addition, enterprises, universities, and scientific research institutes can also submit written applications to request the industrial and commercial departments to provide industry-wide protection for their trade names or names within the city. In addition, the industrial and commercial departments will formulate relevant "name transfer" rules within the first half of 2009, and companies can conditionally transfer their corporate names.
The entry threshold for some enterprises has been relaxed
If an enterprise or individual industrial and commercial household applies for "market access", the industrial and commercial department will approve the registration "immediately or within two hours" or decision not to register. In order to actively support the development of small and medium-sized enterprises, for those engaged in investment management and asset management and applying for registration as corporate legal persons, the minimum registered capital is reduced from the original 10 million yuan to 30,000 yuan. In addition, the entry threshold for market entities in the service industry is relaxed, and domestic capital is allowed to operate wherever foreign capital is allowed to operate; all service industries and projects that are not prohibited by laws and administrative regulations for individuals and private entities are allowed to operate.
The 30 measures announced by the Municipal Industry and Commerce Bureau also include: waiving the 2008 annual enterprise inspection fee of 50 yuan for all types of enterprises in the city; helping enterprises out of difficulties; , allowing them to apply for and pass the annual inspection; for enterprises that are unable to pay their registered capital (fund) on time due to difficulties in production and operation, the investment period is allowed to be appropriately extended to the end of 2009; enterprises with trademark and brand advantages are supported to obtain loans by pledging their trademarks in accordance with the law, Ease corporate difficulties; gradually implement full online annual corporate inspections; expand corporate financing channels, etc.
Beijing Youth Entrepreneurship Demonstration Park Support Policy
1. Scope of support policy support for enterprises in Beijing Youth Entrepreneurship Demonstration Park
For settling in the Beijing Youth Entrepreneurship Demonstration Park and processing Support will be given to enterprises entering the park that have local industrial and commercial registration and local tax payment. In principle, enterprises entering the park can stay in the demonstration park for no more than three years and enjoy the three-year demonstration park support policy.
II. Measures to support enterprises in the Beijing Youth Entrepreneurship Demonstration Park
(1) Subsidizing the rent of new enterprises in the Beijing Youth Entrepreneurship Demonstration Park
Enterprises entering the park are in the demonstration park Those who rent office space within the city can enjoy three years of rent subsidies. Calculated based on the rented building area, an annual rent subsidy of 0.8 yuan/square meter/day will be provided from the date of renting, with a maximum of no more than 2 million yuan.
(2) Subsidy for decoration of Beijing Youth Entrepreneurship Demonstration Park enterprises
If enterprises entering the park carry out interior decoration of rented houses approved by the park management agency, they will be given housing subsidies based on the rented building area. A one-time subsidy of 60 yuan/square meter for interior decoration, with a maximum limit of 800,000 yuan.
(3) Reward outstanding entrepreneurial enterprises in the Beijing Youth Entrepreneurship Demonstration Park
For enterprises entering the park that have been identified as outstanding entrepreneurial enterprises in two consecutive assessment cycles, the top ten will be awarded 1 Financial incentive support up to 100,000 yuan.
(4) Reward enterprises in the Beijing Youth Entrepreneurship Demonstration Park
Within two years from the date of local industrial and commercial and tax registration of the enterprise entering the park, the full amount of the district-level fiscal revenue paid by the enterprise will be rewarded to the business. This clause does not apply to enterprises that have moved into the demonstration park from other areas in Changping or have already enjoyed other incentive policies related to district-level fiscal revenue in the industrial transformation and upgrading policy.
(5) Provide guarantee fee subsidies for enterprises in the Beijing Youth Entrepreneurship Demonstration Park
For enterprises entering the park that apply for guarantee through a qualified guarantee company, a guarantee fee subsidy of 50% will be provided, with a maximum of no More than 500,000 yuan.
(6) Providing loan interest discount support for enterprises in the Beijing Youth Entrepreneurship Demonstration Park
Any youth entrepreneurial enterprise that settles in the Beijing Youth Entrepreneurship Demonstration Park or is recommended by the Changping District Youth Entrepreneurship Promotion Center will be approved by the relevant After review by the industry authorities, the loan discount rate for loans within 2 million yuan (inclusive) will be 50%; for the loan amount exceeding 2 million yuan, the loan discount rate will be 40%. The maximum loan interest discount amount shall not exceed 600,000 yuan, and the term shall not exceed two years.
(7) Providing loan guarantee support for entrepreneurial enterprises in Beijing Youth Entrepreneurship Demonstration Park
1. The loan guarantee mentioned in this policy refers to the guarantee provided by a qualified guarantee company according to the contract. It is a legal act to provide loan guarantees generally not exceeding 500,000 yuan (including 500,000 yuan) for entrepreneurial enterprises in the Beijing Youth Entrepreneurship Demonstration Park to ensure the realization of the loan bank's claims. Guaranteed funds support young entrepreneurs who have corporate entities and entrepreneurial projects. Due to insufficient self-raised funds, they can apply for loan guarantees from guarantee institutions.
2. Specific loan guarantee objects and conditions
Applicants must operate legally, have good credit standing, have solvency, and be able to provide effective counter-guarantees in accordance with regulations.
3. Loan guarantee amount
Provide loan guarantees for start-up enterprises that apply for funds for project launch, with the maximum amount not exceeding 50,000 yuan (inclusive).
Provide loan guarantees for start-up enterprises that have already started business activities and have cooperative customers, with the maximum amount not exceeding 200,000 yuan (inclusive); for those who have obtained loans, repaid principal and interest on time and have good production and operation conditions For start-up enterprises, when applying for loan guarantee again, the amount can be increased appropriately, up to a maximum of 500,000 yuan (inclusive).
4. The loan guarantee period is generally one year, and the longest period shall not exceed two years. If the borrower proposes an extension, and on the premise that the borrower can fulfill its debt (including loan interest) repayment obligations on time within the extension period, and the qualified guarantee company agrees to continue to provide guarantee, the loan bank agency can extend the extension once, and the extension period No more than one year.