[Edit this paragraph] Application conditions for college students' entrepreneurial loans
1, a college student who graduated within two years; 2. College degree or above; 3. 18 years old or older.
[Edit this paragraph] Application materials for college students' entrepreneurial loans
1, identification; 2. Students need to provide student ID cards and transcripts; 3. Graduates need to provide graduation certificates and degree certificates; 4. Checklist of frequently used bankbooks or bank cards in the past 6 months; 5. Other credit certificates (if any): certificate of scholarship, certificate of class cadres, certificate of community activities, certificate of various honors/social rewards, such as blood donation and volunteer teaching.
[Edit this paragraph] Business characteristics of college students' entrepreneurial loans:
1. Credit is related to the loan amount. 2. Enjoy low-cost loans. 3. The repayment period is diversified.
[Edit this paragraph] College students' entrepreneurial loan related products:
Hengfeng bank Co., Ltd.-Standard Chartered Bank Personal Small Short-term Credit Loan-Harbin Bank Unsecured Personal Loan-Harbin Bank Personal Salary Guarantee Loan-Citibank Personal Credit Loan-Bohai Bank Happy Time Loan-Modern Time Loan.
[Edit this paragraph] Preferential policies for college students' entrepreneurial loans
Beijing
From May, 2006, in addition to those who have the Beijing Re-employment Concession Card, unemployed university graduates with Beijing hukou can also apply for small secured loans if they want to engage in self-employment or start small businesses independently or in partnership. Last year, the new policy issued by Chongwen District stipulated that entrepreneurs in Chongwen District can get loans of up to 500,000 yuan, and the district finance will give them a discount. At the same time, the number of loan subjects stipulated in the new policy has also increased. In addition to unemployed, unemployed and entrepreneurial college students, qualified students of Chongwen District Entrepreneurship Training Course, members of entrepreneurs' clubs and private owners who start businesses in this area can apply for the loan.
Shanghai
In order to stimulate the entrepreneurial passion of graduates, Shanghai has set up an "angel fund" for college students' entrepreneurship. The "angel fund" for college students' entrepreneurship is up to 300,000 yuan, and college students can get support of 50,000 to 300,000 yuan.
Chongqing
University graduates who have not been employed for more than half a year and have a fixed account can register in the neighborhood Committee where the account is located and apply for bank mortgages and secured loans of 3,000 to 4,000 yuan; In addition, in order to adapt to the changes in the employment situation of college students, in the past two years, Chongqing has successively launched small loans for college students' entrepreneurship, and opened employment resources and employment markets to local and foreign students equally, creating more employment opportunities for college graduates.
Taiyuan
Taiyuan registered unemployed college graduates who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan. The financial department of the county (city, district) may entrust a designated guarantee institution to provide guarantee for it, and the county (city, district) shall be responsible for making up for the operating gap of small secured loan funds.
Fujian Province
College graduates who start their own businesses can enjoy the discount policy of small secured loans and other forms of small loans. The maximum amount of discount loans is 50,000 yuan, and the finance will give full discount within 3 percentage points of the benchmark loan interest rate announced by the People's Bank of China for the same period. At the same time, relying on the Youth League Committee to set up a guarantee fund for college students' self-employment to provide guarantee services for college graduates who need guarantees in different places.
Qingdao
Qingdao allocated 6.5438+million yuan to set up the "Qingdao College Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams of two or more people can be relaxed to 200,000 yuan.