Upstairs, if you don't understand national policies, don't talk nonsense to mislead others! College students' entrepreneurial loans are interest-free relative to entrepreneurs themselves, but interest-bearing relative to banks. Only the state has issued relevant policies to encourage entrepreneurship and promote employment, and the interest is subsidized by the government.
Entrepreneurship loans are generally handled at the place of entrepreneurship. Because you have the ability to audit you all the time.
It is suggested that people who go to start businesses must conscientiously implement national policies. Yunnan, for example, is doing very well. In 2005, small secured loans for laid-off workers were launched, and corresponding loans were launched in 2009, and the scope of loans was extended to groups other than on-the-job workers, while neighboring Guizhou did not even provide small guarantees.
Second, what should I do if the interest-free loan for college students' entrepreneurship expires?
At present, there are two kinds of loans that do not need to pay interest: one is a student loan, and the other is a small secured discount loan. As we all know, student loan means that students with financial difficulties can apply for loans during their college years without paying interest, while small-sum secured discount loan is a loan business for entrepreneurs. Actually, there is a time limit for this. According to Bian Xiao, the interest-free period of the student loan is to pay off the loan within 2 years after graduation. Although no interest is paid, interest will be paid after this time. Moreover, the interest-free time of venture loans needs to be determined according to the qualifications of entrepreneurs, and the bank should be consulted specifically. So, what are the application conditions for interest-free loans? ① The applicant for personal interest-free loan is a China citizen with full capacity for civil conduct, of China nationality, aged between 18-45. Note that foreigners cannot apply for interest-free loans. As we all know, many foreigners can also apply for loans, but interest-free loans do not have this discount. (2) The borrower has a fixed residence, and it is best to have an account in the local loan; Then, what if the account is not in the local loan? Can I apply for a residence permit? Bian Xiao tells you that if you can't, you must apply for an interest-free loan where your account is located. The most important thing is that the borrower should have sufficient repayment ability. As we all know, one of the most important conditions for applying for a loan is that the borrower has a strong repayment ability, a stable job and income, and a very good credit record. Then someone said, what if college students have no jobs? According to Bian Xiao, whether college students apply for student loans or business loans, such interest-free loans need to be guaranteed. If there is no collateral, you can find a guarantor to guarantee it. (4) For the purpose of the loan, the bank will also evaluate the borrower's qualification. If it is conducive to personal and social development and sustainable development, it will be much easier to apply for personal interest-free loans.
3. What if the interest-free loan cannot be repaid when it expires?
Subjectivity of law: if the agreed interest-free loan has no interest within the loan period, it means no interest; If it has no interest within the specified period, it is still necessary to calculate the interest within the interest-free period. The calculation method is the principal multiplied by the interest rate multiplied by the interest-free period.
Legal Objectivity: Article 2 1 1 of China's Contract Law stipulates: "If the loan contract between natural persons does not stipulate the interest payment or the stipulation is unclear, it shall be regarded as not paying interest. If the loan contract between natural persons stipulates the payment of interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. " According to legal and judicial interpretations, "no interest" here means that the borrower does not pay interest within the agreed time limit or when there is no agreed time limit, before the creditor demands and claims interest. Article 9 of "Several Opinions of the Supreme People's Court on People's Trial of Lending Cases" stipulates: "For regular interest-free loans between citizens, if the lender asks the borrower to pay overdue interest, or for irregular interest-free loans that are still not repaid after being urged, the lender may refer to the interest rate of similar loans from banks." According to the above provisions, the lender who repays overdue interest-free loans on a regular basis does not claim interest, or does not require the borrower to pay overdue interest on irregular interest-free loans. On the contrary, the borrower can pay overdue interest.