1, a natural person with full capacity for civil conduct;

2. Have local permanent residence and fixed residence;

3. Hold a valid identity card, have a diploma of junior college or above (including junior college) issued by a full-time college recognized by the state, provide a personal file filing certificate issued by the filing institution, and a certificate of employment and unemployment registration issued by the local labor and social security department;

4. The partnership enterprise shall also provide a cooperation agreement or articles of association; Proof of ownership of business scope and business premises;

5. Being able to provide effective guarantee recognized by the bank;

6, self-raised funds shall not be less than 30%;

7. Other conditions stipulated by the Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.

Second, what are the conditions for college students to start a business loan?

Understand the entrepreneurship policy of college students

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3. Requirements for business start-up loans for college graduates of China Bank?

1, a natural person with full capacity for civil conduct; 2. Have local permanent residence and fixed residence; 3. Hold a valid identity card, have a diploma of junior college or above (including junior college) issued by a full-time college recognized by the state, provide a personal file filing certificate issued by the filing institution, and a certificate of employment and unemployment registration issued by the local labor and social security department; 4. The partnership enterprise shall also provide a cooperation agreement or articles of association; Proof of ownership of business scope and business premises; 5. Being able to provide effective guarantee recognized by the bank; 6, self-raised funds shall not be less than 30%; 7. Other conditions stipulated by the Bank of China. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

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

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1. identification and business premises

The loan applicant must have a 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. 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 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.

3. 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.

4. Letter of 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.

Interest on risky loans

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

Generally speaking, the interest rate of college students' entrepreneurial loans can be lowered by 20% according to the same grade interest rate stipulated by the People's Bank of China, and some local governments also discount it. The term of venture loan is generally 1 year, and the longest is no more than 3 years.