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.

The borrowers who meet the requirements can get a maximum 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 venture 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 buy a commercial house along the street, you can buy a house as collateral and apply for a commercial housing loan to the bank. The loan amount will not exceed 60% of the estimated value of the commercial housing purchase. The longest loan period will not exceed 10 years.

Because of the need to purchase cars, trucks, buses, mini cars and taxi operators, the company can also handle auto consumption loans, which generally do not exceed 80% of the purchase amount, and the longest loan period 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 are very fond of 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 by looking for only one or two colleagues.

Moreover, such loans do not require 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.