1, application. Graduates apply to the Municipal Personnel Bureau with various materials.

2. First instance. The Municipal Personnel Bureau is responsible for the pre-loan review, and will review whether the graduates meet the loan conditions and whether the loan application project belongs to the low-profit financial discount project and issue a recommendation form. At the same time, the entrepreneurial ability of graduates applying for small secured loans is evaluated.

3. review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit.

4. guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided.

5. recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. After examination and approval of the loan, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant.

6. The loan application is successful and the loan is released.

Graduates who want to apply for loans through lending institutions need to meet the following conditions:

1. The applicant is at least 18 years old, has a valid identity certificate and a legal residence certificate where the loan bank is located, and has a fixed residence or business premises;

2. There is a certain income, and the income reaches a certain period, and the period reaches a certain amount;

3. Good credit record, no bad credit record is very important. If the borrower has a bad credit record, it will be difficult to obtain a loan successfully;

4. The applicant holds the business license issued by the administrative department for industry and commerce and the business license of related industries, engages in legal production and business activities, and has stable income and the ability to repay the principal and interest;

5. Other conditions stipulated by the lending institution. The student is applying for a business start-up loan and needs to meet the relevant policies of local business start-up loans. If students can provide proof materials such as real estate and cars under their own names when applying for loans, it will be beneficial to get loans smoothly.

How do college students get loans?

There are two situations, as follows:

1. College students applying for student-origin credit student loans must meet the following conditions:

(1) A natural person with full capacity for civil conduct.

(2) Have a permanent residence ID card and a detailed address of the school and its department.

(3) Having the student ID card, school registration certificate and other relevant certificates issued by the school; Proof of tuition, living expenses and other related learning expenses required by students during their study; Loan application form or relevant certificates approved by the introducer.

(4) Students who meet the requirements of the loan bank and their moral performance prove that there is no bad credit behavior.

(5) Other conditions stipulated by the lending bank.

2. Application conditions for college students' entrepreneurial loans

(1) College degree or above;

(2) Those who have not been employed for more than 6 months after graduation and have registered for unemployment in the local labor and social security department;

(3) When applying for such loans, three points are more important:

First, the loan applicant must have a fixed residence or business premises;

Second, business license and business license, stable income and ability to repay principal and interest;

The third and most important point is that the projects invested by entrepreneurs already have their own funds.

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 appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

How do college students borrow money from banks?

Students who meet the demand conditions can apply for student loans issued by China Development Bank.

There are four main forms of student loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.

Because of financial problems in starting a business, you can apply for college students' entrepreneurial loans.

Application conditions for college students' entrepreneurial loans

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Extended data:

Student loan:

Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages.

College students' entrepreneurial loans:

Application process:

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;

4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.

6. Application materials for college students' entrepreneurial loans.