Requirements for starting a business loan for the disabled:

1, with the disability certificate, the industrial and commercial and tax departments registered their business planning plan.

2. Having the site and basic funds needed for starting a business, and engaging in business activities in line with national laws and regulations, you can operate in partnership, but you need to provide legally binding documents.

3. The preferential policies of the state for granting loans to the disabled include interest reduction and interest-free. Business loan process for the disabled: 1. Consult the local disabled persons' Federation or the disabled welfare foundation and fill in the application form. If the selected entrepreneurial project meets the standards of the Disabled Persons' Federation or the Disabled Persons' Welfare Foundation, you can directly apply for entrepreneurial loans. If you can't go to the bank to apply for a business loan. 2. The preparation materials need to provide the applicant's ID card, household registration book, disability certificate, business license, income certificate and repayment ability certificate, as well as a third-party guarantee. To this end, when applying for a business loan for the disabled, the relevant materials of the guarantor should also be provided. 3. Submit materials and bid for the application. Due to different entrepreneurial projects and different local policies, the loan amount may be different. The amount of entrepreneurship loans for the disabled: On the premise that the loan guarantee institutions promise to guarantee, they can apply for a small secured loan of 20,000-50,000 yuan from financial institutions, and the disabled employment security fund will receive a discount of 100% in two years and 50% in the third year.

Second, what are the conditions for a venture loan?

What do you need for a venture loan?

1. Apply for employment loans through employment agencies, with the amount ranging from 20,000 yuan to 50,000 yuan. If entrepreneurs are engaged in high-tech industries and have obtained self-employment certificates, the loan amount can be increased to 6,543,800 yuan. The loan ceiling for small businesses is 2 million pounds. It is understood that entrepreneurs engaged in 30 low-profit projects such as hotel services, catering services, haircuts, copying and typing can enjoy financial services without paying loan interest, while other industries need to repay the principal and interest according to the bank loan interest rate. The longest loan period is 4 years, which exceeds the stipulated 2-year loan period. Applying for a loan can be secured in four ways. First, the guarantor works in a government agency or institution. Second, the guarantor has a fixed residence, a fixed income and a fixed job. The third is to guarantee with real estate mortgage. Fourth, guarantee through the credit union area.

2. It is the most common way to apply for starting a business with a bank loan, and the upper limit of personal starting a business loan is also one million dollars, usually not more than five years. The loan mortgage mode of banks is flexible, which can be mortgaged, pledged and guaranteed, and will gradually increase with the increase of years, with the range of about 7.05%.

3. Investing in investment guarantee companies to borrow money has also become a common loan method.

Process of applying for risk loan

Find the labor and social security department. Generally, people who apply for small secured loans must hold a certificate from the Ministry of Labor and Social Security; Two, hold the city vocational training guidance center "industry ability entrepreneurship training certificate", two years after graduation unemployed college (technical) school graduates; 4. Demobilized veterans with valid certificates. Small secured loans can be granted to those who have started their own businesses, started business and hold business licenses. In order to keep the "excellent re-employment quota", it will be controlled at around 30,000 yuan, and the business scale can be increased to 654.38+10,000 yuan (including district facilities). If the loan amount is 50,000 yuan or more, it must be qualified by the city vocational training guidance center for entrepreneurship training, and obtain a certificate of entrepreneurship training, and accept the city vocational training guidance.

3. What are the conditions for a venture loan?

Application conditions for business start-up guarantee loans

1.20 -55 years old (female)

2.60 years old (male);

3. There are requirements for innovation and entrepreneurship;

4. Key employment groups and people with difficulties who have certain entrepreneurial conditions but lack entrepreneurial funds.

Application amount of business start-up guarantee loan: you can apply for business start-up guarantee discount loan of 654.38+10,000 yuan according to regulations.

Term of application for business start-up guarantee loan: generally, the term is 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year.

The conditions required for handling bank risk loans are:

1, with full capacity for civil conduct, aged 18-50 years old.

You must be unemployed for 6 months before you can apply.

3. The loan applicant must have a legal and valid identity certificate and a legal residence certificate at the location of the loan bank, and have a fixed residence or business premises.

4, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.

5. You must go through the relevant formalities at the labor and social security department where your household registration is located, and register for employment and unemployment. You can apply for a small secured loan with this certificate (copy is also acceptable), tax registration certificate and store lease contract at the social security bureau where your account is located.

6. The applicant's investment projects require certain self-owned funds. 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.

7. The loan applicant must open a settlement account in the loan bank, 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.

8. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit 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.

9. Other loan conditions stipulated by the relevant lending bank.

4. What are the conditions for a venture loan?

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