Can I get a small loan from the bank to open a small restaurant? Can I apply for a commercial loan from the World Bank? What are the conditions?

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method at present, so what conditions do you need to apply for this kind of loan? Usually, banks require borrowers to have stable jobs and fixed residences; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 3000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

Loan Type 2: Housing Mortgage Loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Loan Type III: College Students' Entrepreneurship Loan

College students pay more attention to this kind of loan than we thought. At present, many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

Loan Category 4: Personal and Family Loans

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.