Conditions for the guarantor of venture loan:

1. Entrepreneurs who apply for business guarantee loans are under the age of 18-57 (excluding 57) for men and under the age of 18-47 (excluding 47) for women, and do not enjoy retirement benefits.

2. Participate in entrepreneurship training and hold entrepreneurship training certificate.

3. engage in low-profit projects.

4. Having a fixed business entity in the place where the loan is located.

Generally speaking, the interest rate of college students' entrepreneurial loans can be lowered by 20% according to the same grade interest rate stipulated by the People's Bank of China, and some local governments also discount it. The term of venture loan is generally 1 year, and the longest is no more than 3 years.