Bank loans: individuals who have the ability to operate or have already engaged in production and business activities. They are required to apply for capital requirements by undertaking or re starting business, and a special loan issued after the bank recognised effective guarantee.

Eligible borrowers can get a single loan of 500 thousand yuan according to their personal resources and repayment ability. They can also apply for a higher loan amount for those who have reached a certain scale or become reemployment stars.

The duration of business loans is usually 1 years, and the longest is not more than 3 years.

In order to support laid-off workers to start their own businesses, the interest rate of venture loans can also be reduced by 20% according to the same grade interest rates stipulated by the people's Bank of China. The loans for laid-off and unemployed people launched in many regions can also enjoy 60% government discount.

Commercial mortgage loans: at present, many personal loans handled by banks outside the bank will not be used for loan purposes as long as the mortgage procedures are in line with the requirements.

People who need to start a business can flexibly use their personal consumption loans to start businesses.

The amount of mortgage loans generally does not exceed 70% of the collateral valuation price, and the maximum loan limit is 300 thousand yuan.

If you want to purchase a commercial house along the street, you can apply for a mortgage by applying for the purchase of a house, and apply for a commercial housing loan to the bank. The loan amount is generally not more than 60% of the value of the commercial housing valuation to be purchased. The longest loan period is not more than 10 years.

Because the business needs to purchase cars, trucks, buses, mini cars and taxi operators, it can also handle automobile consumption loans. This loan generally does not exceed 80% of the purchase amount, and the loan term is not more than 5 years.

If you do not have certificates of deposit or treasury bonds, there is no policy, but your wife or parents have a stable income, which can also become an excellent credit resource.

At present, banks have a special liking for the high-income class. Lawyers, doctors, civil servants, employees of public institutions, and financial industry personnel are listed as preferential treatment of credit loans. Employees in these industries can only get a guarantee loan of about 100 thousand yuan in the financial institutions such as ICBC, CCB and other institutions only by looking for one or two colleagues.

Moreover, such loans do not need to handle any mortgage or assessment procedures.

If you have such a relative, you can get loans in his name, and you can get venture capital on the same day if you prepare all kinds of materials.