Hai 'an is a county-level city in Jiangsu Province with rapid economic development. Many local people plan to set up shop to do business. In order to meet the capital demand, they often need loans. So how do local people apply for commercial loans? Let's get to know each other.

I. Types of loans

Local loans have great advantages, not only stable long-term residence, but also fixed assets can be used for mortgage loans.

1, college students' entrepreneurial loans

Hai 'an also has some preferential policies for students to start businesses. The government has introduced many preferential policies, including financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and so on. Qualified graduates can learn about it.

2. Operating loans

Small and micro enterprises and individual merchants can consult with local banks, financial institutions and loan companies. Generally, there are related commercial loans, corporate loans and tax loans. After the interview, I will see if I can submit an application according to my own situation.

3. Mortgage loan

If the store has not yet opened, it is generally impossible to apply for a company loan. You can try to apply for a mortgage loan with your own car or real estate, and the amount is relatively high.

Second, the application materials

The application materials required by individuals and small and medium-sized enterprises are slightly different, mainly as follows:

Individual industrial and commercial households:

1, copy of business license

2. Original proof of income

3, the original company or individual running water

4. Copies of materials used for commercial purposes

Small and micro enterprises:

1, copy of business license

2. Original proof of income

3, the original company or individual running water

4. Copies of materials used for commercial purposes

5. Original business qualification statement

In addition to the above documents, the personal identity information, credit report and marriage certificate of the operator or legal person are also required. The requirements of each financial institution are different, and the institution shall prevail.

In short, if you want to open a shop in Hai 'an and lack funds, you'd better go to a bank financial institution for a loan, which is safer and more reliable. The better the personal qualifications and collateral, the higher the loan amount.