At present, there is no entrepreneurial loan for college students, but both micro-loans and credit loans can be suitable for college students' loans. For example, a small loan can reach 20,000 yuan with only one ICBC employee as a guarantee. As for credit loans, lenders can borrow up to 50,000 yuan if they need the guarantee of civil servants above the department level. It is reported that Chongqing will implement more preferential policies this year to encourage college students to apply for small business loans. Graduates who are engaged in self-employed business will be exempted from all administrative fees for registration management within 1 year from the date when the business is approved by the industrial and commercial department. It is reported that individuals applying for small loans for re-employment can reach 20 thousand yuan; Self-employment to absorb laid-off workers, can be appropriately relaxed to 50 thousand yuan; For partnership enterprises, the maximum loan amount shall not exceed 400,000 yuan in principle. After obtaining a small loan for re-employment, the borrower can continue to enjoy preferential policies such as re-employment tax relief and industrial and commercial support. According to the regulations, this year's graduates engaged in self-employment (except for industries restricted by the state) will be exempted from various administrative fees for registration management within one year from the date when the industrial and commercial departments approve their operations. Small loans for re-employment can take the form of guarantor guarantee, real estate mortgage and securities pledge. Guarantors can guarantee not only legal persons, but also civil servants and employees of enterprises and institutions with stable income. When applying for a loan, you should apply to the neighborhood Committee of your community with the list of collateral (guarantee contract) and valid documents. Meet the conditions, the neighborhood committee to your street (town, township) recommended; The street (town, township) where it is located shall be reported to the labor and employment department of the county (autonomous county, city), and the labor and employment department shall, in conjunction with the financial department, conduct an audit within 5 working days, and send relevant information to the financial institution that undertakes the loan. The financial institution shall put forward its opinions within 5 working days, and if it agrees to the loan, it shall be directly issued to the loan applicant. The loan term does not exceed one year, and the loan can be renewed for one year. The interest rate shall be subject to the loan interest rate for the same period stipulated by the People's Bank of China. Business projects must comply with national policies and regulations, except for industries restricted by the state, such as construction, advertising, sauna, massage, internet cafes, oxygen bars, and similar projects, such as beauty, hairdressing, water bars, bars and foot washing. There are three main ways to choose venture loans, and entrepreneurs can choose their own venture loans according to the situation. Personal business start-up loan: Business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has been engaged in production and business operation activities, after applying for capital requirements for starting or re-starting, and being approved by the bank for effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of the venture loan is 1 year, with a maximum of 3 years. Commercial mortgage loan: At present, banks handle many personal loans, so long as the mortgage procedures meet the requirements, banks will not ask. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. Secured loan: If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name, and you can get the venture capital on the same day when you prepare all kinds of materials.