1, with full capacity for civil conduct, under the age of 50.

2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.

3, 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.

4. Good credit standing, law-abiding, no bad personal credit record and debt record, and can provide mortgage, pledge or guarantee recognized by the bank.

Extended data:

The process of handling personal business loans is as follows:

1. Submit application materials and fill in relevant application forms.

2. Obtain the recommendation institution or relevant personnel to apply for project demonstration and support.

3. Identity Confirmation The applicant shall obtain identity confirmation from the street employment service agency where the household registration is located, and sign in the identity confirmation column of the Loan Account Opening Application.

4. The bank accepts relevant loan applications and certificates and conducts audits.

5. After receiving the loan guarantee opinions, the accepting bank can handle the lender's personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.

Baidu encyclopedia-personal venture loan