If You Want To Start A Business, How Can You Make Loans Without Collateral?

< p style= "text-align: center" > < img src= "/uploadimages/201305/06/20130506104032_sj.JPG" align= "center" border= "0" alt= "/" < < > >

< p > < /p >.

< p > now there are more and more college students who choose to start their own businesses. But at the beginning of < a href= "//www.sjfzxm.com/business/" > entrepreneurship "/a", capital is a major problem before us.

So how do university students who want to start a business solve this problem? If you have collateral, you can consider applying for a bank loan. What if there is no collateral? < /p >

< p > in fact, a lot of places have promulgated relevant a href= "//www.sjfzxm.com/news/index_q.asp" > support policy < /a >. If university students want to start a business, they can apply for loans to university students in local related units. However, the request for this loan is two years' application in Biye, and if the graduation time is too long, they will not be able to get the loan.

If we encounter such a situation, we must consider only applying for the loan for unemployed people. In the specific case, we take < a href= "//www.sjfzxm.com/news/index_p.asp > > Ji'nan < /a > as an example: < /p >

< p > < < /p > < < > >

< p > 1.

The original and photocopy of the identity card, account book, single certificate or marriage certificate of the applicant and the guarantor; 2.

The original and photocopy of the property certificate (or rental related documents); 3.

The original and photocopy of the business license, the certificate of business place (including the property right certificate of the place of operation, the land use certificate or the premises lease contract); 4.

Guarantor's income certificate.

< /p >

< p > the application procedure for unemployed people's start-up loans < /p >

< p > 1.

The applicant first went to the human resources and social security service center where his residence was registered to handle unemployment registration; < /p >

< p > 2.

To apply for loans in the form of self startups, the above centers examine and decide whether to lend or not; < /p >

< p > 3.

After examining the applicant's information, the people's social service center will submit a recommendation form to the bank and conduct a pre loan investigation by the bank; < /p >

< p > 4.

Through comprehensive evaluation of the applicant's loan purpose, credit status and repayment ability, the bank will grant loans to meet the loan conditions.

< /p >

< p > < < /p > for unemployment registration.

< p > for unemployment registration, it is necessary to submit identity cards, account books, and graduates from secondary and technical schools in the sending period to submit a registration card. The application for employment and unemployment registration in Ji'nan is required to exceed the dispatch date. < /p >

< p > < < /p >.

< p > 1.

Since the unemployment loan is the way to take credit, the applicant also needs to find a guarantor when applying for a loan. The guarantor's request is that the guarantor needs stable work and income in the urban area of Ji'nan.

< /p >

< p > 2.

The amount of a single loan is usually between 50 thousand yuan and 80 thousand yuan, and the loan period is generally not more than 2 years.

< /p >

< p > 3.

Applicants who have good management and personal reputation, timely repayment and multi employment will be able to handle two loans after the first loan is paid off, and the second loan period will not exceed 1 years.

< /p >

< p > 4.

In addition to construction, entertainment and advertising, sauna, massage, Internet cafes, oxygen bar and other industries, self startups can enjoy more discount policy. The borrower pays interest to the bank first, and the discount interest fund is paid to the borrower after examination.

< /p >

< p > < /p >.