The latest national benchmark interest rates are as follows:
1. The interest rate is 4.35% within one year;
2. The annual interest rate for one to five years is 4.75%;
3. The interest rate over five years is 4.90%.
Generally speaking, the interest rate of venture loan is 0, but it should be discussed in different situations, including campus venture loan and applying for venture loan in the bank. If it is a college student business loan, then this business loan is interest-free, and the general term is between two and three years; If you apply for a venture loan through the bank's special window, as long as the amount is not very large and the term is not long, it is interest-free. If the amount is large and the service life exceeds the bank's tolerance, interest will be charged appropriately, which will be lower than other types of bank loans. Therefore, the interest on venture loans is still very cost-effective. Good luck with your application.
Extended data
The policies of venture loans are similar everywhere, mainly unsecured, interest-free or low-interest. The application procedures vary from place to place, so it is best to consult the local founders (institutions under the Human Resources and Social Security Bureau). Here I take Nanjing's policy as an example:
Nanjing college students' self-employment loan is a kind of entrepreneurship loan designed for full-time non-Nanjing college graduates in Nanjing within five years after graduation. Due to the lack of funds, government departments provide guarantee funds and commercial bank loans, and their entrepreneurial projects meet the relevant conditions, and the government gives subsidies. All qualified self-employed graduates can apply to Nanjing Graduate Employment Guidance Service Center. Bank of Nanjing approved the loan to help graduates solve their financing difficulties. The policies and operating methods for applying for venture loans are as follows.
Article 1 Purpose and amount of loan
1. Venture loan is a kind of policy-oriented commercial loan, which is used to make up the capital gap of the borrower in the initial stage or during the venture. The borrower shall use the loan according to the purpose agreed in the loan contract, and shall not misappropriate it for living expenses or expenses unrelated to entrepreneurial projects and production and operation. Banks and city graduate employment guidance service centers have the right to supervise and inspect the payment and use of loans according to loan contracts. If the borrower violates the terms of the loan contract, the lending bank has the right to recover the loan in advance or take credit sanctions.
2. Generally, the loan amount for small enterprises is 30,000-50,000 yuan, with a maximum of 654.38+10,000 yuan. Employment through a partnership organization shall not exceed a maximum of 250,000 yuan.
3. The term of the venture loan is six months, one year and two years. The loan interest rate is determined according to the benchmark loan interest rate published by the People's Bank of China. After repaying the principal and interest, you can apply for full discount, and 50% discount for non-profit industries.
4. When the venture loan expires, due to the needs of the development of production and operation, in accordance with the principle of repayment first, the borrower can apply for loan extension to the loan bank and the employment guidance service center of city graduates in advance, and go through the guarantee extension procedures. The bank and the city graduate employment guidance service center shall review and decide according to the conditions of loan renewal. If it is really difficult to repay the loan due, it is necessary to apply for an extension to the bank and the city graduate employment guidance service center two months in advance. The extension can only be made once, no more than one year, and there is no discount for the extension.
Article 2 The designated bank accepting risk loans is Jimingsi Sub-branch of Bank of Nanjing.
Article 3 The object of fund guarantee refers to non-Nanjing full-time graduates of Nanjing ordinary colleges and universities who start businesses in Nanjing within two years after graduation.
Article 4 Basic conditions for applying for secured loans
1. The applicant has no bad credit record or other economic violations.
2, the applicant to fill in the "Nanjing college students' self-employment loan application review form".
3. To apply for a loan of more than 30,000 yuan, the applicant must go through the necessary counter-guarantee procedures such as property mortgage, pledge and personal guarantee at the employment guidance service center of city graduates.
4. The applicant's account must be linked to the collective account of Nanjing Talent Service Center.
5. Self-owned capital requirements: the applicant should have more than 50% of the capital or assets needed for starting a business.
6. The administrative examination and approval procedures prescribed by law must be complete.
Fifth procedures (in the Nanjing Graduate Employment Network www "self-employment" module query. ***.cn)
Article 6 The materials that the applicant shall provide:
1. The applicant fills in the Power of Attorney for Personal Credit Information (in duplicate). (Download from the "Self-employment" module of Nanjing Graduate Employment Network www. ***.cn)
2, the applicant to fill in the "Nanjing college students' self-employment loan application review form" (in duplicate). (Download from the "Self-employment" module of Nanjing Graduate Employment Network www. ***.cn)
3. A written application report for venture loan (one copy).
4. Applicant's ID card (one original and one copy each).
5. The applicant's household registration certificate (one copy).
6. The applicant's graduation certificate (one original and one copy each).
7. Summary of business plan (two copies).
8. Business license and tax registration certificate (including tax payment certificate) (one original and one copy each).
9. Marriage certificate and divorce certificate (one original and one copy each).
10, special business qualification certificate (one original and one copy each).
1 1, recent financial statements and cash flow statement (one copy).
12. The applicant shall provide the credit certificate of the counter-guarantor or the original certificate of the rights of the counter-guaranteed assets.
Article 7 Liability of the Borrower
The borrower shall strictly fulfill the agreed obligations, accept the post-loan management and supervision of Nanjing Graduate Employment Guidance Center and designated banks, and ensure that the loan is earmarked for special purposes.
The borrower shall consciously accept the financial supervision or financial agency of the fund management institution and the relevant departments entrusted by it.
If the borrower maliciously evades the debt, once found, he will be investigated for legal responsibility according to law.
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