Postal savings bank venture loan?

First, the business loan of Postal Savings Bank?

conditions for starting a business loan: 1. The loan applicant must have legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. 2. The loan applicant must be under the age of 18-5. 3. You must be unemployed for up to 6 months before you can apply. 4. You must go through the relevant formalities at the Labor and Social Security Department where your registered permanent residence is located and apply for Employment and Unemployment Registration. You can apply for a small secured loan at the Social Security Bureau where your registered permanent residence is located by virtue of this certificate (copy can also be used), tax registration certificate and store lease contract. 5. The applicant's investment project requires that he has certain self-owned funds. This is an important condition for banks to measure whether to lend or not, because the amount of venture loans is generally not more than 7% of the total amount of funds needed by lenders for normal production and business activities, as well as for purchasing (installing or repairing) small equipment and franchising. 6. The loan applicant must open a settlement account in the bank he is lending, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the relevant national laws and the provisions of the Bank's credit policy, and it is not allowed to be used for other speculative investment projects such as equity. 7. Loan Guarantee Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credibility of the loan and facilitate the smooth acquisition of the loan. 8. Other loan conditions stipulated by the relevant lending bank.

second, how much interest-free loans for college students can be borrowed

The maximum interest-free loans for college students can be 1, yuan. To apply for an interest-free loan for college students' entrepreneurship, the following basic conditions must be met: China citizens aged 18 to 45 with full capacity for civil conduct.

The small-scale business start-up loans provided by the state for college graduates are subsidized loans from the government, with a term of 1-2 years. After 2 years, they will no longer enjoy financial discount. Generally, the amount of venture loan is required: the maximum amount shall not exceed the working capital required by the borrower for normal production and business activities, and the purchase (installation or repair) of small equipment (machines and tools), of which the longest working capital loan period for production and business is one year; The term loan interest rate promulgated by the People's Bank of China shall be applied to individual venture loans, which may fluctuate within the prescribed range.

Conditions for applying for interest-free loans for college students to start businesses:

1. Identity certificate;

2. Students are required to provide student ID cards and transcripts;

3. Graduates need to provide graduation certificates and degree certificates;

4. reconciliation list of common bankbooks or bank cards in the past 6 months;

5. Other credit certificates: scholarship certificate, class cadre certificate, community activity certificate, various certificates of honor/social reward, such as blood donation and voluntary teaching.

6. Check whether the student has any bad criminal record.

7. College graduates or above;

8. He has not been employed for more than 6 months after graduation, and has registered for unemployment in the local labor and social security department.

Only those who meet the above conditions can apply to the bank. The materials to be provided when applying mainly include: proof of marital status, personal or family income and property status and other repayment ability documents; Relevant agreements and contracts for loan purposes; Guarantee materials, involving the ownership certificate and list of collateral or pledged goods, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, negotiable securities pledge, movable property pledge with strong liquidity, and qualified guarantor guarantee. The amount of payment is determined according to the specific guarantee method.

Third, what is the maximum loan for college students in Postal Savings Bank?

Why not call or go to the local business office to ask, which will not help you better

Fourth, what is the maximum loan for college students in Postal Savings Bank?

loan term and amount requirements:

the micro-business loans provided by the state for college graduates are government-subsidized loans with a term of 1-2 years and an interest rate of 2 years.

The amount of venture loan is generally required:

The maximum amount shall not exceed the working capital required by the borrower's normal production and operation activities, and the period of purchasing (installing or repairing tools) and franchise chain stores

is generally 2 years, and the longest period shall not exceed 3 years, of which the longest period of working capital loan for production and operation is 1 year;

Individual business loans fluctuate within the scope of the time limit promulgated by the People's Bank of China.