The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount. Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
2. What is the maximum amount of interest-free loans for college graduates?
Hello!
Our company only has 1000 interest-free
Only on behalf of personal views, don't spray if you don't like it, thank you.
How many places in 3.JD.COM can be exempted from interest?
There is no interest-free loan line in JD.COM.
JD.COM Xiao Jing Loan is a loan service specially provided for businessmen. At present, the ceiling of a single merchant loan is as high as 2 million yuan, and the annualized interest rate of the loan is about 14%-24%, which is lower than that of peers. The interest of Xiao Jing loan is calculated according to the store's rating, current loan amount, term and repayment method. Therefore, in addition to adjusting the loan interest rate by choosing the loan term and repayment method, the store can also obtain a better rating by improving the operation of the store and maintaining a good repayment record, thus obtaining a lower loan interest rate.
4. What is the maximum amount of interest-free loans for college students?
The maximum interest-free loan for college students is 654.38+10,000 yuan. The longest service life of interest-free loans for college students is only 3 to 5 years, and the longest decoration loan is no more than 10 years. When handling commercial housing loans, the longest service life shall not exceed 30 years, and the sum of the age at the time of borrowing and the loan term shall not exceed 70 years old, that is, the applicant shall be a China citizen with full civil capacity from/kloc-0 to 45 years old.
Conditions for applying for interest-free loans for college students:
1, identification.
2. Ask students to provide student ID cards and transcripts.
3. Graduates are required 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: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.
6. Check whether students have bad criminal records.
7. College degree or above.
8 unemployed for more than 6 months after graduation, and registered in the local labor and social security department.
Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank.