Legal analysis: The bank will not accept the loan business without my signature, and it will not be able to lend.

Loan methods

1. Entrepreneurship loans

Entrepreneurship loans refer to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. A special loan is issued after an application for capital needs is approved by the bank as an effective guarantee. Qualified borrowers can obtain a single loan support of up to 500,000 yuan based on their personal resource status and repayment ability

For those who need to start a business, personal consumption loans can be flexibly used for starting a business. The mortgage loan amount generally does not exceed 70% of the appraised value of the mortgage property, and the maximum loan limit is 300,000 yuan. If you need to purchase a commercial house along the street to start a business, you can plan to purchase the house as a mortgage and apply for a commercial housing loan from the bank. The loan amount generally does not exceed the planned amount. Purchase 60% of the appraised value of a commercial building, and the loan term shall not exceed 10 years. 3. Pledge loans You can also easily get a personal loan. A deposit certificate pledged loan can lend 80% of the amount of the deposit certificate; a treasury bond pledged loan can lend 90% of the face amount of the treasury bond; the amount of a policy pledge loan issued by an insurance company shall not exceed 80% of the current cash value of the insurance policy

4. Guaranteed loan

If you do not have a deposit certificate, national debt, or insurance policy, but your spouse or parents have a better job and a stable income, this is also excellent. Credit resources

At present, banks have a special preference for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and personnel in the financial industry are all listed as preferential treatment targets for credit loans. Employees in these industries only need You can get a guaranteed loan of about 100,000 yuan from financial institutions such as ICBC and China Construction Bank by asking one or two colleagues to vouch for it. After preparing all the materials, you can get approval on the same day, thus obtaining entrepreneurial funds quickly

5. Small loans

All laid-off and unemployed people who are under 60 years old, in good health, honest and trustworthy, and have certain labor skills, seek self-employment, start a business on their own, or operate and organize a partnership If you are employed, you can apply for a small guaranteed loan from a commercial bank or its branch with a reemployment discount certificate issued by the labor and social security department. Entrepreneurs can hire laid-off and unemployed people.

After consultation, they can Re-employment discount certificate, apply for unemployment loan. Each person can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. If a company hires 10 laid-off workers, it can enjoy a low-interest loan of up to 200,000 yuan.

Legal basis: "Law of the People's Republic of China on Commercial Banks"

Article 34 Commercial banks shall, in accordance with the needs of national economic and social development, under the guidance of national industrial policies carry out loan business.

Article 35 Commercial bank loans shall strictly examine the borrower’s purpose of borrowing, repayment ability, repayment method, etc.

Commercial bank loans should implement a system of separation of review and loan and hierarchical review and approval.

Article 36 For commercial bank loans, the borrower shall provide guarantee. Commercial banks shall strictly examine the guarantor's repayment ability, the ownership and value of mortgages and pledges, and the feasibility of realizing mortgage rights and pledge rights.

If, after review and evaluation by a commercial bank, it is confirmed that the borrower has good credit and can indeed repay the loan, no guarantee is required.

Article 37 A commercial bank shall enter into a written contract with the borrower for a loan. The contract should stipulate the type of loan, purpose of borrowing, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties deem necessary to agree on.