What are the requirements for interest-free loans for personal entrepreneurship in Beijing? With the increasing social pressure, many people choose to start their own businesses, and when funds are scarce, self-employed interest-free loans have become the best choice for self-employment. So, what are the conditions for interest-free loans for individual entrepreneurs in Beijing? Please see the introduction below!

1. What are the application conditions for interest-free loans for individual industrial and commercial households in Beijing?

1, age 18 to 45 years old, China citizen with full capacity for civil conduct.

2. Have permanent residence and permanent residence in Beijing.

3. Have the ability to repay interest-free loans on time and provide guarantors.

4. Good reputation and no bad records.

5. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits.

2. What is the amount and duration of interest-free loans for individual entrepreneurship in Beijing?

It is understood that the maximum amount of interest-free loans for individual entrepreneurship does not exceed 70% of the total amount of funds required by the lender for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operations. 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.

II. Personal Microfinance in Beijing

Standard requirements of banks for borrowers:

1, with China resident identity card or household registration certificate, at least 18 years old.

Those who are not at large in prison have no bad hobbies.

3. Good credit, certain economic strength and ability to repay the principal and interest.

4. The borrower must be a natural person with full capacity for civil conduct and must ensure that the loan is used for legitimate business.

5. Have a stable occupation and income, high integrity, clear property rights, no malicious default on bank loans, and no triangular debts.

My Baidu space has a more detailed explanation.

If you don't understand, you can ask me

Personal loan: I have a small personal loan in Beijing, which one is better?

The bank's loan threshold is relatively high, so it is not easy to approve. It's best to find people who can cooperate with banks and get loans or guarantees smoothly.

Fourth, how do individuals in Beijing handle it?

1. Each bank has issued different travel loan products for different groups of people. Customers can choose according to their actual situation.

2. Does the individual's repayment ability meet the requirements of the lending institution, such as whether he has a job in Beijing, whether his monthly salary is stable, how much he earns, whether he has social security or provident fund, and so on. Only when the repayment ability is met can the approval pass smoothly!

3. Effective rights recognized by the lender can be provided as pledge guarantee, and units or individuals with compensatory capacity can also be used as guarantors to repay the principal and interest of the loan and bear joint and several liabilities.

Conditions of individual borrowers in Beijing

Since you can apply for an individual in Beijing, what are the specific conditions to meet? Xiaoyun and his wife learned the following:

1. Have a permanent residence in Beijing, local permanent residence (or valid residence certificate) and full capacity for civil conduct;

2. If you don't have a fixed residence in Beijing, you must have a legitimate occupation and a stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. Can provide proof of address (house lease contract, water and electricity bill, etc.). ).