First of all, applicants need to meet the conditions for applying for loans, as follows:

1, 18 years old or above, with my valid ID card and proof of legal residence in the place where the loan bank is located, I have a fixed residence or work place;

2. The applicant must engage in legal production and operation projects, have a business license issued by the local administrative department for industry and commerce, and have a stable income and the ability to repay loans;

3. The loan applied by the applicant shall comply with the provisions of laws and bank credit policies;

4. Investment projects applying for loans should have a certain liquidity, and a settlement account should be opened in the bank applying for loans. After the project is implemented, the operating income shall be settled by the bank.

Second, what conditions do individuals need to borrow from banks now? Which bank is better in all aspects? Does the state have a policy to support entrepreneurship?

The borrower applying for personal business loan must have: 1. He has full capacity for civil conduct and is under the age of 50. 2. Holding the industrial and commercial business license, tax registration certificate and related legal production and business activities issued by the administrative department for industry and commerce, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can or can guarantee. 5. Dealing with business premises. 6. Other conditions stipulated by the bank. Loan amount, term and interest rate: 65,438+0. The maximum amount of personal venture loan shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation. 2. The term of personal business loans is generally 2 years, and the longest is no more than 3 years. The longest term of working capital loans for production and operation is the fixed loan interest rate issued by the bank of 65,438+0 years. 2. For individual entrepreneurial loans with a loan term of more than one year, repayment of the principal and interest of the loan or the repayment method of average capital can also be made in other ways agreed by both parties. Proof of identity required by the loan applicant (including the original resident ID card, household registration book or other valid residence permit) and proof of marital status; 2. Personal or family income and property business license, ownership certificate and negotiation list, relevant industry contract or other collateral or pledge, certificate of consent of the authorized disposition to mortgage (pledge), and mortgage (pledge) appraisal report issued by the appraisal department recognized by the bank. If you need a loan, we recommend Easy Loan China Consulting Loan Service, which is especially recommended here. It refers to the personal loans granted by Easy Loan China United Cooperative Bank to social natural persons (at the time of opening) for legally designated purposes such as starting a business and working capital. Amount: 5,000-65,438+0,000,000 yuan Application address: hom/activity/product/startup-lianshangxia.html Easy Loan China is a platform for online loan application. It cooperates with all/ microfinance companies to apply for loans online at Shenzhen Development Bank, Standard Chartered Bank, Industrial Bank and Shanghai Pudong Development Bank. E-loan China loan application process: online application-E-loan China financing consultant contacts the applicant and verifies-submits the application to the bank/credit company to contact the applicant-signs the loan contract. One application business, many financial institutions respond! Generally, the application time for personal loans is 1 to 2 weeks, and the application time for corporate loans is 2 weeks 1 month! Save time for lenders to run to major banks and reduce costs outside loans! Easy Loan China Easy Loan China has many kinds of loans, among which personal credit loans and housing loans are free of service charges nationwide, and other types of loans will charge 2%-3% service charges. This is the lowest service fee among peers, which saves the lender's fee other than the loan, and solemnly promises that the task fee will never be charged before the loan is obtained! Friendly reminder: the online application will be reviewed on the same day (9: 00- 18: 00, except weekends). Please keep the phone/mobile phone open so that the financial advisor can contact you to verify the situation. Telephone verification failed for three times, and the loan application was deemed invalid if it failed in the first trial. Generally, after online application, the financing consultant will contact you by phone on the same day (9: 00- 18: 00) to provide the loan applicant with a suitable financing plan, and then the loan applicant can consult in detail.

3. What are the conditions for the state to support enterprise loans?

What are the conditions for a venture loan? 1. Individuals who apply through employment agencies apply for small secured employment loans through employment agencies, with the amount ranging from 20,000 yuan to 50,000 yuan. Entrepreneurs engaged in high-tech industries and have obtained self-employment certificates can increase the loan amount 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 service, catering service, haircut, photocopying and typing can enjoy full financial discount, which means they don't have to pay loan interest, and the rest industries need to repay the principal and interest according to the bank loan interest rate. In addition to the stipulated two-year loan period, entrepreneurs can delay repayment for two years, and the longest loan period is four years. 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. Applying for starting a business from a bank is the most common loan method, and the upper limit of personal business loans provided is also tens of millions, and the loan period usually does not exceed five years. The bank's loan mortgage method is flexible, and it can adopt mortgage, pledge, guarantee and other methods. The loan interest rate rises gradually with the increase of loan years, usually between 6. 1%-7.05%. 3. Investment guarantee companies have fast loans and high interest rates. Borrowing from investment guarantee companies has also become a common way of lending. Find the labor and social security department for the process of applying for venture loan. Applying for small secured loans is generally based on the "Re-employment Concession Card" issued by the labor and social security department; Two, hold the city vocational training guidance center "entrepreneurship training certificate" personnel; Three, with a certain entrepreneurial ability, two years after graduation without employment (technical and vocational 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. The amount of small secured loans provided to those who hold re-employment concession cards is about 30,000 yuan, and the amount of large loans 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, which is recommended by the city vocational training guidance center.

4. What are the conditions for starting a discount loan?

1. China citizens with full capacity for civil conduct and at the age of 18-65;

2. Good credit (no three consecutive tired six in two years), and no violations of law and discipline;

3. Submit the application certificate to the location of the relevant account and provide relevant conditions;

4. The local government or local security bureau will check the relevant information of the borrower;