Conditions for bank interest-free loans:

/kloc-China citizens aged 0/8 to 45 with full capacity for civil conduct;

Proof of fixed residence and 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.

Proof of funds. The loan applicant's investment project requires that he already has some 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.

Settlement account. The loan applicant must open a settlement account with the loan bank, 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.

Loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly.

Good reputation and no bad record;

Second, I want to know in which banks or government departments can college students borrow interest-free loans to start businesses?

I'll pay:

First, the application conditions:

1, college degree or above;

2, more than 6 months after graduation, to the security department for unemployment registration.

Second, the loan period:

The short-term period provided by the state to college graduates is 1 ~ 2 years, after which they will no longer enjoy financial subsidies.

Three. Loan method:

The way for college graduates to start a business is guarantee and mortgage.

Four. Relevant explanation

The specific operation method can be consulted with the local labor and social security bureau. Besides, there are other ways for college students to start their own businesses.

Body management, 1 year political fee; The specific policies of self-employment and self-employment file custody in the employment guidance service business of college graduates in this city should be negotiated with relevant departments.

Five. expand

When applying for such loans, three points are more important:

First, it is still a business place. The second is business license and business license ability; The third and most important project has its own funds.

Only those who meet the above conditions can apply to the bank, and the information to be provided when applying mainly includes: relevant agreements and contracts on repayment, such as the income and property status of married families; Guarantee materials, involving the ownership certificate and list of collateral or pledge, 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. Mortgagor, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and qualified guarantor guarantee. The payment amount depends on the specific burden.

Amount requirement

General requirements for the amount of venture loan: the maximum amount shall not exceed the funds required by the borrower for normal production of small equipment (machines and tools) and franchise chain operation.

The term is generally 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;

Personal commercial loans are subject to the fixed loan interest rate announced by the People's Bank of China.

Loan repayment method

1. During the loan period, the individual venture loan will repay the principal and interest in one lump sum, and the interest will be paid off with the principal;

2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties.

At present, more than 80% of these policies are supported by the state. The differences are listed in the approval process of each bank. You have to ask the government one by one where you started your business, and the local government will give you some support. I hope everything I write for you can help you. Hope to adopt.

3. Can I get an interest-free loan from the bank with a business license?

At present, bank loans are all mortgaged, such as cars, equipment and real estate. You can ask the local bank for details. In some places, credit guarantees can be provided by the local grassroots, such as village committees and community cadres.

4. Can I get an interest-free loan in the bank with my business license? What are the procedures?

Interest-free loans in banks with business licenses?

Honey, are you thinking too much?

It is feasible to apply for a bank loan with a business license, but there are certain conditions. Generally, banks only accept loans from enterprises and individual industrial and commercial households that have been operating normally for more than one year after applying for a business license, which are generally operating loans. Some banks will relax the conditions for half a year, but if they want to apply for a bank loan just after completing their business licenses, it is estimated that no bank will accept it.

Moreover, even if the bank accepts it, you need to provide houses, factories, etc. As collateral, because you are not sure whether you have the ability to repay normally.

Interest-free loans are really not feasible. I have worked in a bank for 12 years, and I have never heard of any bank that can provide interest-free loans. Banks are self-financing companies, how can they not make money? Unless it involves loans for agriculture, rural areas and farmers, or college students' entrepreneurial loans, these are subsidized by the relevant departments, rather than interest-free loans provided by banks.

And not only is it not interest-free, but the interest rate of general operating loans is higher than the benchmark interest rate. Don't believe that any intermediary who can handle interest-free loans but charge a handling fee is deceptive.

What's the procedure? What materials are generally needed?

Yes, China Bank has a kind of venture loan, which is a discount loan, which is basically equivalent to interest-free. It is required to have an actual business place within 3 years of the license, and the annual running water is above 6.5438+0 million. Personal credit liabilities require that family credit loans, including credit cards, should not exceed 50,000. It is best to have real estate, cars and other assets under the name to improve the pass rate.

Do you have a business license to get an interest-free loan in the bank? What are the procedures? There are three main factors to consider.

On the issue of interest-free loans, many people may want to apply, and even some small enterprises and individual industrial and commercial households hope that all bank loans are interest-free and useless loans. Last year, it was widely circulated that they could apply for interest-free loans from banks as long as they obtained business licenses. What will the reality be like? Mainly depends on three factors.

The first factor is that normal bank self-employed loans need to conduct risk assessment and investigation on the operating conditions of individual industrial and commercial households, and clarify the purpose of loans. The business license is only the premise of the loan and may not be approved.

As a personal business loan or a loan for individual industrial and commercial households, having a business license is only the first step, but if you want to borrow, you need to conduct a strict inspection and risk assessment on the business situation, loan purpose and repayment source.

Under normal circumstances, both individual industrial and commercial loans and individual business loans need to provide the following materials of the applicant:

First, the original and photocopy of the legal representative's ID card and household registration book; The second is to provide the original and photocopy of the annual business license and tax registration certificate; It is best to have a three-year business report; At least half a year's bank flow and other relevant information that can prove the legal income of the legal representative; The marital status of the legal representative, such as marriage certificate, divorce certificate, single certificate, etc.; Legal and sufficient collateral or pledge; Letter of commitment from the mortgagor or guarantor, and other materials required by the bank.

Bank loans will not be granted just because you have only one business license, just as loans for supporting agriculture will not be granted just because you are a rural person. Equally important, the purpose of the loan is also an important part of the bank's review, including the rationality and legality of the repayment source of the bank loan, so as to ensure that the bank loan has sufficient repayment source.

The second factor is that banks have no interest-free loans, which is a misunderstanding of many people. But this is not the case.

There is no interest-free loan in the bank's loan business, because the bank's loan funds are deposits, which need to be paid, as well as interest. In addition, the bank's operating costs include rent, water and electricity, labor costs and various taxes and fees, which is also the reason why the bank loan interest rate is higher than the deposit interest rate, otherwise the bank will lose money.

In reality, people often question when applying for loans, why do banks need loan interest? Why can't we provide interest-free loans to people in urgent need of funds? In fact, if banks provide interest-free loans, they will lose money, which will lead to the failure to pay deposits in time, which will lead to the credit crisis of banks.

Therefore, in reality, there will be no interest-free loans provided by banks, and there will be no interest-free loans that can be handled only with a business license. This must be clear.

The third factor is whether there are interest-free loans in reality. Yes Although it is handled in a bank, it is essentially different from the general loans of banks.

My friend is in a small city in the south, where some small businesses are developed. Some relatives at home are also doing business. When talking to them in June last year, they said that many businesses are now handling interest-free mortgage loans. It is said that many people apply for interest-free loans, whether it is medium-sized businesses with assets of hundreds of millions or small businesses with only small factories, they all apply for loans with their own houses or relatives' houses. My friend's own real estate license was borrowed by several relatives.

It can be seen that you don't need to apply for a loan if you have a business license, but you have to mortgage your house to apply for a loan. In fact, what we call "interest-free loans" are not real bank interest-free loans, but interest-free loans issued by local governments to support local economic development, especially the development of small and micro enterprises and self-employed households. Enterprises and individuals still need to pay interest when lending, but this interest is not borne by the lender, but subsidized by the government. The loan applicant only needs to repay the principal, which is called interest-free loan in folk simplification. However, not everyone can apply for interest-free loans, and not everyone can apply for loans as long as they have a business license, because only specific groups can apply for poverty alleviation loans for vulnerable groups, and some rural interest-free loans help them get rich; There are also some operating loans for small and micro enterprises and individual industrial and commercial households.

Therefore, the so-called interest-free loans are not interest-free, but government interest subsidies. Because most government discount loans are handled through banks, people mistakenly think that they are interest-free loans from banks.

What needs to be clear is that, generally speaking, it is not a full interest-free loan, but a partial discount, and the lender also needs to pay a certain amount of interest. For example, in order to fight against the epidemic, according to the Notice of the Ministry of Finance on Supporting Financial Services to Prevent and Control the novel coronavirus Epidemic (Jin Cai [2020] No.3) issued on February 2, 2020 and the provisions of the the State Council Executive Meeting on February 5, 2020, banks are supported to produce, transport and sell key medical prevention and control materials and daily necessities, and the financial sector gives 50% preferential treatment to ensure that the corporate loan interest rate is lower than 1.6%.

There are two factors here, one is a 50% discount on finance, and the other is that the actual loan interest rate is lower than 1.6%, which means that the actual loan interest rate of the bank is around 3.2%.

It should be noted that some institutions that handle interest-free loans are not bank lending institutions, and other arbitrary charges may be hidden under the signboard of interest-free loans. For example, some lending institutions, fees, fund management fees and other expenses, the comprehensive cost is actually not lower than the interest rate. (Qi Jian)

This kind of loan mentioned by the subject does exist, but it is not everywhere.

This kind of loan is called laid-off re-employment loan, which is interest-free in the first year and normal interest-bearing in the second year. The maximum loan for women is 80,000, and that for men is 50,000. If you need to find a guarantor, you must hold an employment certificate, attend training and apply for a business license before you can apply for such a loan.

This kind of loan has almost nothing to do with banks. Whether it is approval or investigation, it is done by the labor bureau. Banks only participate in the lending stage, so the policies in different regions are different. If the loan is renewed in the second year, interest will be charged. At this time, all aspects of the bank will intervene.

If you still want to know something about the bank, you can write to me privately at any time or leave a message in the comment area. I will reply in time when I see it.

I have the most say in handling interest-free loans in banks with business licenses. I can tell you for sure that it is possible. But the amount is not large, 6,543,800 yuan, which belongs to the government discount loan, that is, the interest is paid in advance by the employment bureau. This is very good for opening a shop, planting, starting a business and doing small business. After all, there is no interest, and the current policy is good. This 6.5438 million yuan can be used for three years.

1. All companies applying for loans from banks must obtain business licenses. If they have a business license, they can apply for interest-free loans from banks, so all companies can apply for interest-free loans.

At present, most banks have no interest-free loans.

Commercial banks are companies that pursue profits. The bank's business model is to absorb deposits and issue loans, and the deposit-loan spread is the bank's income.

An interest-free loan is a loan that the bank gives you without interest. What else does the bank earn? The deposit absorbed by the bank from the depositor is to pay interest to the depositor, and the deposit is to pay interest, but no interest is charged when the loan is given to you. Isn't the bank a net loss? Who wants to do such a job?

Is there an interest-free loan or not?

Yes, but very few, and please be clear, the loan issued by the bank needs interest, but this interest may not need to be paid by you. Who will pay the bill? Paid by the government.

Because at present, many local governments will give some preferential policies to poverty alleviation projects, agricultural projects and college students' entrepreneurial projects, including providing guarantees or interest subsidies for loans applied by banks for these projects, and even some local banks will give some subsidies. However, there is no interest-free loan when a company applies for a loan from a bank.

You can! This is called a risk loan, but not too much! Yes100000,150000,100000 is paid off once every three years, and150000 seems to be paid back in proportion for three years, with no interest during the period. This money seems to be provided by the local government. Please consult the Social Security Bureau for details. It's just a complicated procedure. First of all, you need a business license, a marriage certificate, an ID card, and a map of the location of your shop. Registration begins in May every year. You must go to the government where your account is located and get a form to fill out. These are all relatively easy. The most troublesome thing is that you need to find a couple who are both paid by the government and can't be over 50 years old. When you have done all this, you will be waiting for money. Lending money is faster, as long as the bank calls you today and asks you to sign it.

It is impossible to get an interest-free loan in a bank with a business license. Now the state encourages returning home to start businesses. There is also some policy support. You can apply for an interest-free business start-up loan at the local human resources and social security bureau. However, this kind of application requires higher requirements and requires the guarantee of public officials. Support policies in each region may be different. Please consult the local administrative service window for the specific process. I hope my answer can help you!