Application procedures for business start-up loans for veterans:

1. Apply to the street (township) labor and social security bureau for entrepreneurial land with a retirement certificate.

2, through the street (township) labor and social security departments after the first instance, recommended to the security agencies at or above the county level.

3 guarantee institutions to review the borrower's loan qualifications, to meet the conditions of regret for the project in accordance with the provisions of the loan guarantee procedures.

4. The borrower applies to the bank for a small secured loan at the interest rate of the loan letter.

5. Banks should review the loan information and make timely repayment according to the situation.

6. The borrower shall repay the loan in full and on time as agreed in the contract until the loan is fully paid off.

Extended data:

1. Application materials for veterans' venture capital:

1, my ID card and spouse ID card.

2 re employment permit or employment unemployment registration certificate.

3. Business license.

4. Guarantor's guarantee commitment.

5, the guarantor unit certificate, the person in charge of the unit signature and seal.

6. Guarantor ID card.

7. Lease agreement or proof of property.

8. Lender's marriage certificate.

9. Application approval form (the above information should be filled in with pen).

10. The partnership enterprise shall submit a valid certificate indicating the operation of the partnership enterprise to the industrial and commercial department.

Two, veterans risk loan application amount:

1, and the maximum amount of self-employment loans does not exceed 50,000 yuan.

2, through the industrial and commercial administrative departments to organize entrepreneurship and registration, according to the number of partners (organizations), business projects, repayment ability, credit status and other specific circumstances, appropriately expand the scale of small secured loans, the maximum amount does not exceed 200 thousand yuan. Labor-intensive enterprises are recognized by relevant departments, and the loan amount is determined according to the actual number of employees, with a maximum of 2 million yuan.

Veterans' entrepreneurial loan conditions

Conditions for applying for business start-up loans

I. Identity certificate and business premises

The loan applicant must have legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and have 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.

Second, the proof of funds

The loan applicant's investment projects need a certain amount of self-owned funds, which is an important condition for banks to measure whether to borrow, because the amount of venture loans generally does not exceed 70% of the total amount of funds required for the lender's normal production and business activities and the purchase (installation or repair) of small equipment and franchising.

Third, settle accounts.

The loan applicant must open a settlement account with 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.

Fourth, loan guarantee.

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. 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 help them get loans smoothly.

Extended data:

Process of applying for risk loan

1, prepare materials

Materials include proof of identity, proof of marital status, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank.

To have collateral, there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on.

Step 2 fill out the application form

The applicant holds a business plan (or loan project book) and puts forward demonstration requirements to the loan guarantee recommendation institution or business experts. Those who pass the demonstration can apply for an "application for business loan".

Step 3 get a recommendation

After the recommendation institution organizes experts or relevant personnel to demonstrate the application project, if it meets the conditions of the opening loan, it should sign the recommendation in the recommendation column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant.

4. Identification

The applicant obtains the identity confirmation from the street employment service agency where the household registration is located, and signs the identity confirmation column of the Application for Opening an Account for Loan.

5. Bank acceptance bills

The applicant shall submit a loan application to the designated bank acceptance point with the "Application Form for Opening a Loan Account" signed with recommendation opinions and identity confirmation opinions, and provide relevant materials.

6. Loan review

The bank shall make a loan audit opinion within ten days from the date of acceptance, and fill in the comments in the bank audit opinion column of the Application for Opening an Account Loan and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions.

Step 7 apply for a loan

After accepting the bank's opinions on loan guarantee, the lender's individual (or unit) guarantee procedures and loan procedures can be handled according to the requirements of bank credit rules and regulations within five working days.