What are the conditions for starting a business loan and how much can I borrow?

In recent years, the state has strongly supported young people's entrepreneurship, and given some policy support in entrepreneurship, such as waiving administrative fees, providing small secured loans, enjoying vocational training subsidies, enjoying more public services, reducing taxes and fees, social security subsidies and other preferential policies.

In terms of loans, individual entrepreneurs can enjoy personal business guarantee loans supported by two-year financial interest subsidies, with a maximum loan amount of 65,438+10,000 yuan.

So, what conditions do individuals need to meet to enjoy these preferential policies?

1. The borrower must be at least 18 years old, but not more than 50 years old and have full capacity for civil conduct.

2. The borrower needs to have a fixed residence or business premises.

3. The borrower must have legal and valid identification and valid proof of legal residence in the place where the loan bank is located.

4. The borrower can provide the business license issued by the administrative department for industry and commerce and the business license of related industries to prove that it is engaged in normal business activities.

5. The borrower can use valid assets recognized by the loan bank as collateral, such as real estate mortgage, deposit certificate pledge, third-party guarantee, etc., and can be provided by units or individuals with repayment ability.

6. The borrower needs to open a settlement account in the loan bank.

7. The borrower's loan shall be used in accordance with the relevant national laws and regulations, and shall not be used for other speculative investment projects such as equity, or used in some illegal ways.

8. The borrower needs to hold certain self-owned funds, and the amount of venture loan shall not exceed the working capital required for the normal operation of the borrower.

9. Other conditions required by the lending bank.

Bian Xiao reminded: How to choose a bank is also very important for friends who want to apply for personal business guarantee loans. If you want to choose the one that suits you, you'd better do your homework before applying, otherwise you are likely to be blocked.