What are the interest-free conditions of 65438+ 10,000 yuan venture loan?

1.654.38+ What are the interest-free conditions for the ten thousand yuan venture loan?

Interest-free loan 654.38+ten thousand yuan

1, the application must be at least 18 years old, hold valid identity documents and have a fixed residence;

2. The applicant must be a college student or a college graduate who graduated less than two years ago, with a college degree or above;

3. Before starting a business, the applicant needs to have its own funds to support entrepreneurial activities;

4. Before applying for a loan, the applicant must obtain an industrial and commercial business license in advance, and the project will operate normally for at least half a year;

5. The applicant must provide certain guarantees, such as a third-party person or institution with repayment ability;

6, the use of loans must comply with laws and regulations and related assistance policies;

7. Open a repayment account in a loan bank and accept bank supervision.

Second, the venture loan is interest-free within 654.38 million yuan.

Try to consult the local bank about the loan.

When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide proof of stable income source: bank flow sheet, labor contract, etc.

3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

4. Other information stipulated by the bank.

What are the conditions for an interest-free loan of 36,543,800 yuan?

Bank interest-free loan of RMB 654.38+10,000:

1, bank interest-free loan conditions 1) Identity certificate and business premises: the loan applicant must have legal and valid identity certificate, legal residence certificate at the place where the loan bank is located, and have a fixed residence or business premises. 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.

2) Proof of identity and business place: The investment project of the loan applicant requires that it already has certain self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

3) Settlement account: the loan applicant must open a settlement account in the bank where he lends, 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.

4) Loan guarantee: loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge, third-party guarantee, etc., and provide some information about their credit status, repayment ability, loan investment, etc. to the bank as much as possible, which will increase the credibility of the loan and facilitate the smooth acquisition of the loan.

Generally speaking, the bank's interest-free loan amount is 65,438+0,000-200,000 yuan, but different banks have different regulations on the maximum loan amount. For example, the maximum loan amount of Ping An Bank is 500,000 yuan; The maximum amount of the Postal Savings Bank is 50,000 yuan for farmers and100,000 yuan for merchants; The minimum amount of CCB is 5000 yuan. Therefore, the specific situation shall be subject to the provisions of the handling bank selected by the lender.

4. What are the conditions for interest-free venture loans within 654.38+10,000 yuan?

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method at present, so in the case of application, the bank requires the borrower to have a stable job and a fixed residence; Personal credit status is good; The borrower's income will also be required to have an average monthly income of not less than 3,000 yuan. After submitting the relevant application materials, the bank can apply for monthly income after approval.

Loan Type 2: Housing Mortgage Loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. Then for the application, in addition to the life of the lender's house, it must also have strong liquidity within 20 years; Generally, if the mortgage loan amount does not exceed the information of the appraised value of the house, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years after being approved by the bank.

Loan Type III: College Students' Entrepreneurship Loan

The high degree of attention goes beyond our mutual loan creation. There are support policies. What are the conditions of subsidy or interest-free for ordinary loans? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; The application conditions for this kind of loan are still relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank for approval.

Loan Category 4: Personal and Family Loans

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, it is necessary to have full capacity for civil conduct and stable local income; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

Loan Type 5: Housing Mortgage Loan

At present, what are the conditions for many people to apply for housing mortgage loans? Generally speaking: have a valid identity; Good credit record and repayment of commercial housing sales contract or letter of intent; Have to pay for the house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.