Is it possible to take a business loan of 5 million

Personal business assistance loans refer to RMB loans issued by the Agricultural Bank of China to natural persons for legal production and operation.

Applicable Objects of Personal Business Assistance Loans: Natural persons with the nationality of the People's Republic of China who are engaged in legal production and business activities, including individual business operators, sole proprietorship investors, partnership partners, small business owners, etc.

What are the advantages of personal loans?

1. High loan amount; A single household can get a maximum loan amount of 10 million yuan.

2. Flexible methods, a variety of options: credit line + guaranteed loan line + mortgage loan line + pledge loan line.

3. The mortgage amount can be approved at one time and recycled for many times.

4. You can use self-service to lend and repay by yourself, easily and independently.

What are the requirements for borrowers to apply for personal assistance loans?

65 years old, with full capacity for civil conduct, a fixed local residence, and a legal and valid identity document;

2. Have a legal and valid production and operation certificate, and those engaged in special industries should hold a special industry business license issued by the competent approval department;

3. Have experience in the operation and management of the industry and have been engaged in the operation of the industry for more than 2 years, and have certain management capabilities;

4. Have a stable operating income and the ability to repay the principal and interest of the loan on time;

5. The secured loan must be legal, effective and worthy of guarantee;

6. Good credit record;

7. Meet other conditions corresponding to Agricultural Bank of China.

The loan term and interest rate are respectively.

The term of the loan shall not exceed 5 years, and the interest rate of the loan shall be implemented on the basis of the term interest rate of the People's Bank of China according to the customer's credit status and the relevant regulations of the Agricultural Bank of China.

How to apply for a personal loan.

The customer submits a loan application and submits relevant information, and the bank conducts investigation, review and approval, signs the loan contract, handles the mortgage, pledge registration and other related procedures, and disburses the loan.

Note: The specific types of business, handling procedures and conditions are subject to the relevant regulations of the local branch of Agricultural Bank of China.

Preparation materials for college student entrepreneurship loan application: 1Application and Approval Form for Independent Entrepreneurship of Ordinary College Graduates; 2.

Original and photocopy of graduation certificate; 3.Original and photocopy of ID card; 4.Registration card; 5.

Two sheets of one inch**; 6.My file needs to be transferred to the Graduation Office of the Personnel Bureau; 7.Proof of repayment ability of the applicant for a college student entrepreneurship loan, such as personal or family income and property status; 8.

Identity documents (including original ID cards, household registration booklets or other valid residence permits) and marital status certificates of college student business loan applicants and their spouses; 9.Guarantee materials for college student entrepreneurship loan applicants: the ownership certificate and list of the collateral or collateral, the certificate of the person who has the right to dispose of the mortgage (pledge), and the appraisal notice of the mortgage (pledge) issued by the appraisal department recognized by the bank.

10.The business license of the applicant for the college student entrepreneurship loan and the business license of the relevant industry, and the relevant agreements, contracts or other materials in the purpose of the loan;

Application requirements: 1. Fresh graduates, and college students within two years of graduation;

2. College degree or above;

Be over the age of 100; 4. Have not been employed for more than 6 months after graduation, and have registered as unemployed with the local labor and social security department.

Application process: Graduates first apply for a small amount of guaranteed loan to the local social security bureau, fill in the "pre-examination form of small amount guarantee loan for laid-off unemployed persons", and then submit identity documents, "employment and unemployment registration certificate", "preliminary review form for small amount guarantee loan for laid-off unemployed persons" and a copy of the business license to the small guarantee loan handling bank, and the bank will sign the loan contract and guarantee contract with the borrower in person after reviewing and agreeing to the loan, and the bank will give a reply within 5 working days after submitting the information.

1.Accept. The applicant shall apply to the Management Service Center of the College Student Pioneer Park and submit the relevant application materials, which will be reviewed by the Management Service Center of the College Student Pioneer Park;

2.Audit. For the commercial loan interest discount object and amount that has passed the preliminary examination, the Personnel Bureau, together with the Finance Bureau and other relevant departments, shall review the information of the commercial loan interest discount object according to the industry orientation, enterprise scale, number of employees, registered capital, profits and taxes and other factors, and verify the amount of interest discount;

3.Publicity. The object and amount of the commercial loan discount that have been approved by the review shall be publicized by the Personnel Bureau and the applicant's unit or community, and the publicity period shall be 5 working days;

4.Approved. If there is no objection after publicity, the Personnel Bureau shall issue an approval notice;

5.Appropriation. According to the approval notice of the relevant department, the Finance Bureau will allocate the subsidy funds from the special fund for supporting college students to start their own businesses after the interest payment voucher is provided by the interest discount object.

Answer hello, inclusive finance refers to the provision of appropriate and effective financial services at affordable costs for all social strata and groups in need of financial services based on the requirements of equal opportunities and the principle of business sustainability. Small and micro enterprises, farmers, urban low-income people, poor people, the disabled, the elderly and other special groups are the key service objects of inclusive finance in China. Vigorously developing inclusive finance is an inevitable requirement for China to build a moderately prosperous society in an all-round way, which is conducive to promoting the sustainable and balanced development of the financial industry, promoting mass entrepreneurship and innovation, boosting the transformation and upgrading of economic development mode, and enhancing social equity and social harmony.

On August 5, 2018, the China Inclusive Finance Innovation Report (2018), jointly compiled by the National Finance and Development Laboratory, the National Party Media Information Public Platform and WeBank, was publicly released in Beijing. HP Financial is not a pyramid scheme.

First, it is used to purchase wealth management products. At present, there are many kinds of domestic wealth management products, you can buy large state-owned commercial banks, insurance companies, and first-class companies' wealth management products, and some wealth management products have an annualized rate of return of more than 5%, or even higher, and the security is good, and the income is much higher than the bank interest rate. According to the annual rate of return of 5%, the annual income of 5 million is 250,000, even if the family has no other income, the family can live a middle-class life.

What can 5 million entrepreneurs do.

The second is equity investment. Equity investment is a hot topic at present, and there are many successful cases of equity investment, and the benefits are very considerable and very attractive. However, where the return is greater, the greater the risk, and there are also equity investments that have lost all their money.

Therefore, when doing equity investment, you must do your homework and do sufficient research. The character of the project executor, the development prospect of the project, the calculation of project profits, the return on investment and the number of years, etc., each link should be repeatedly investigated, researched, scrutinized and analyzed. In order to make decisions that are not necessarily correct, equity investment is a pie, but it is necessary to be cautious.

The third is to invest in calligraphy and painting, antiques, jade and other works of art and collectibles. At home and abroad, art collections are in the ascendant, enduring and enduring, and the appreciation of artworks is certain, the older and scarcer they are, the greater the appreciation. Of course, investing in art requires you to have your own interests and hobbies and a certain degree of appreciation.

What can 5 million entrepreneurs do.

The fourth is to start their own business. In the current era, it is not too small for ordinary people to start a business with 5 million funds. The key is to choose a good project, such as artificial intelligence, big data, cloud computing, 3D printing, new energy vehicles, smart cities and other avant-garde high-tech projects, 5 million funds may be far from enough, as a start-up capital is too little, and this kind of project needs the support of a strong talent team.

Therefore, only by aiming at consumer demand to start a business, combining modern information technology with traditional industries, and creating consumer demand, we can consider investment and entrepreneurship in e-commerce, logistics, culture, entertainment and other industries.

It can also be combined with the promotion of the rural revitalization strategy to find some short-term and fast projects such as characteristic breeding, characteristic planting, and deep processing of agricultural and sideline products in rural areas, so as to realize the development of undertakings and the appreciation of assets in the process of promoting the prosperity of rural industries in the country.

Do what you are good at, with high profits.

I can do this, but only do it on my side and not anywhere else, you are a**.

Yes, apply for a start-up loan.

Where are you, what's going on over there, what's there?

Hello, yes, as long as the procedures are complete, you can apply for a loan from a local bank, and the following are the conditions for applying for a business loan:

1. The borrower must be a natural person with full capacity for civil conduct.

2. Have a Chinese residence ID card or household registration certificate.

3. Have a stable career and income.

4. Good credit and the ability to repay principal and interest.

5. Loan types: personal loans or corporate loans.

Conditions of the loan business:

1. Natural persons between the ages of 18 and 65;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable occupation and income, and the ability to repay the principal and interest of the loan on time;

4. Good credit information, no bad record, and legal purpose of the loan;

Documents required for the loan:

1. Valid ID card;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank statement;

5. Proof of income or proof of personal assets;

6. Credit report;

7. Plan or statement on the use of the loan;

Get a snack, business is super good.

There are a few conditions that need to be met to apply for a start-up loan, otherwise the loan will be rejected. Start-up loan application conditions:

1. Have full capacity for civil conduct and be under the age of 50.

2. Hold the industrial and commercial business license, tax registration certificate and related industry business license issued by the administrative authority for industry and commerce.

3. Engage in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the principal and interest of the loan on time.

4. Good credit, law-abiding, no bad credit and debt records, and can provide mortgages, pledges or guarantees recognized by the bank.

5. Have a fixed residence and business premises in the handling agency.

6. Other conditions stipulated by the bank.

Start-up loan application process.

1. Prepare materials.

These documents include proof of identity, proof of marital status, proof of repayment ability such as personal or family income and property status; Relevant agreements and contracts for the purpose of the loan; Collateral materials, certificates and lists of ownership of collateral or collateral, collateral valuation report issued by an appraisal department recognized by the bank. Finally, there must be collateral, and there are many mortgage methods, which can be movable property, immovable property mortgage, goods certificate of deposit pledge, valuable pledge, and movable property pledge with strong liquidity, etc.

2. Fill in the application.

The applicant shall submit a demonstration request to the loan guarantee recommendation agency or the business opening expert with the business opening plan (or loan project book), and the applicant can apply for the "Business Loan Application Form" after the demonstration is passed.

3. Get referrals.

After the recommending institution organizes business guidance experts or relevant personnel to demonstrate the application project, if it meets the requirements of the business loan, it shall sign the recommendation in the recommendation column of the "Business Loan Application"; If the requirements are not met, the applicant shall be advised and the relevant materials provided by the applicant shall be returned.

4. Identity confirmation.

The applicant shall obtain identity confirmation at the employment service agency of the neighborhood where the household registration is located, and sign and seal the identity confirmation column of the "Application for Business Loan".

5. Bank acceptance.

The applicant shall submit a loan application to the acceptance point of the designated bank with the "Application Form for Business Opening Loan" with signed recommendation and identity confirmation opinion, and provide relevant materials.

6. Loan review.

The bank shall make a loan review opinion within 10 days from the date of acceptance, fill in the bank review opinion column of the "Application for Business Opening Loan", and submit it to the Business Opening Guidance Service Center. If you do not agree to the loan, you should notify the applicant in time and give advice.

7. Apply for loans.

After the accepting bank obtains the loan guarantee opinion, it can go through the personal (or unit) guarantee procedures and loan procedures of the lender within five working days in accordance with the requirements of the bank's credit rules and regulations.

Start-up Loan Conditions:

1. The loan applicant must have a legal and valid identity certificate and proof of legal residence in the place where the loan bank is located, as well as a fixed residence or business place.

2. The loan applicant must be between 18 and 50 years old.

3. You must be unemployed for up to 6 months before you can apply.

4. You must go through the relevant procedures at the labor and social security department where your household registration is located, apply for "Employment and Unemployment Registration", and apply for a small amount guarantee loan at the social security bureau where your household registration is located with valid documents such as this proof of business execution (copies are also acceptable), tax registration certificates, and store lease contracts.

5. The applicant's investment project requires that he or she already has a certain amount of self-owned funds. This is an important condition for banks to assess whether to borrow, because the amount of entrepreneurial loans is generally not more than 70% of the total amount of working capital required for the borrower's normal production and business activities, as well as the purchase (installation or repair) of small equipment and franchises.

6. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan is in accordance with the relevant laws of the state and the credit policy of the Bank, and it is not allowed to be used for other speculative investment projects such as equity equity.

7. Loan guarantee loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee, and provide some information on their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credit of the loan and facilitate the smooth acquisition of the loan.

8. Other loan conditions stipulated by the relevant lending bank.