Loans: The government requires commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries to provide loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 65,438+00% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital will increase to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years. If their family members have stable income or effective assets to provide corresponding joint guarantee, and their credit standing is good and repayment is guaranteed, they can appropriately increase credit loans on the basis of controllable risks and enjoy preferential low interest rates.
2. Can students borrow money from the bank?
No fixed income, no mortgage guarantee. Under normal circumstances, loans are not allowed, but college students who meet the requirements of student-origin student loans can apply for student-origin student loans, and the maximum loan amount per student per academic year does not exceed 6000 yuan.
3. Can Baoding Bank lend money to students?
No, because students are not adults, _ have the ability to repay.
4. Which bank in Baoding can handle college students' entrepreneurial loans?
Why is it only 2W? As long as you have a mortgage. After the evaluation, according to the estimated loan position, decide how much to lend you. Generally around 50%, it may be higher.