In order to encourage college students to start businesses, the state has issued relevant policies to support college students who start businesses. So for college students with low income level and limited repayment ability, how much can their entrepreneurial loans be loaned? What is the maximum loan for college students?
How much can a college student loan cost?
The state has a special student loan channel for students from poor families, which belongs to the national public welfare. You can get a loan without any interest or mortgage. This kind of loan channel requires the school to organize an application when you enter school. The loan period is slightly longer and more materials are submitted for review. College students can borrow 3000-5000 yuan per semester through student loans, and begin to pay back the money after graduation.
Student-origin loan is another way for students to borrow from the state. The purpose of the loan is to pay for accommodation and tuition. The restrictions on loan conditions and loan materials are stricter, but slightly looser than student loans. The loan amount is generally around 2000 yuan to 5000 yuan.
College students' financial service platform loan
At present, many student loan platforms have been set up for college students' capital consumption demand, which are divided into consumption staging platform and cash staging platform, and the number of loans for each platform is different. Generally, the loan amount of some formal platforms is generally between 500 yuan and 6000 yuan. For example, judging from students' comprehensive loan demand and repayment ability, the loan amount of Jindou is 1 000 yuan, 1, 500 yuan, 2,500 yuan and 3,500 yuan respectively, which can not only meet the daily consumption needs of college students, but also not make them bear too heavy debts.
How much can college students borrow?
This autumn, the amount of student loans for college students has increased. The loan amount for undergraduates and junior college students is not higher than 8000 yuan, and the maximum loan amount for graduate students is 12000 yuan. This kind of college student bank loan product does not need to pay interest during school.
How much can a graduate student borrow?
College students' entrepreneurial loans belong to, with a maximum loan of 654.38 million yuan. The specific loan amount should be determined according to the applicant's qualifications and regional policies. In addition, this kind of college students' bank loan products can enjoy the discount policy, which is mainly aimed at recent graduates or college students within two years of graduation.
What is mentioned above is the loan amount of college students' bank loans. If you are a college student, you can determine the loan method and loan amount according to your own situation.
How much is the interest-free loan for college students? Are there any regional restrictions?
The maximum loan amount for each undergraduate is no more than 8000 yuan per academic year. Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year. There are no regional restrictions.
Although there is no geographical restriction, the following conditions must be met: having the nationality of the people of China; Honest and trustworthy, law-abiding; According to the relevant provisions of the state, freshmen or college students who have been formally admitted to full-time ordinary colleges, higher vocational schools and junior colleges approved to set up higher education have obtained a true, legal and effective admission notice; Students' pre-school household registration and their parents' (or other legal guardians') household registration are in this city, county (city, district); The family is in financial difficulties, and the income they can get is not enough to cover the basic expenses needed to complete their studies at school. If you want to apply, you must prepare these things:
Apply for a national student loan; Copy of my student ID card and resident ID card; My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located.
After the loan is successful, there are several ways to repay:
Before graduation, students should pay off in one lump sum or several times; Students repay loans with activity funds after graduation; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.
Special attention: Borrowing students should confirm the repayment plan of the student loan with the bank when going through the graduation formalities. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable.
How much can college students borrow for starting a business?
Bank of China provides commercial loans for college graduates. The limit of entrepreneurial loans for college graduates is: for eligible individuals, the maximum loan amount is adjusted to 654.38+10,000 yuan. For partnership enterprises, the loan scale can be appropriately expanded according to the number of people and business projects. For a partnership with more than three persons (inclusive), the loan scale shall be reasonably determined according to 50,000 yuan per capita, and the total amount shall not exceed 200,000 yuan. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
College students' entrepreneurial loans can reach up to 50 thousand. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The municipal finance gives the local finance 60% discount interest funds, and it is good to go to the bank to borrow college students' entrepreneurial loans with ID cards and household registration books.
How much can college students borrow from the bank and how to calculate the interest?
If you need to apply for a national student loan, the loan amount is as follows:
Full-time college students (including students with second degree and higher vocational education) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.
Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.
The national student loan interest rate shall be implemented according to the market quotation price (LPR) of loans of the same grade in the same period minus 30 basis points.
The loan interest payment terms are as follows:
During your study in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the finance, and will be distributed quarterly by the National Student Financial Assistance Management Center. During the school period, if you drop out of school due to force majeure and other reasons, you can apply for preferential treatment.
After graduation, the interest generated by the national student loan will be paid by you monthly, starting from the first interest settlement date after graduation. When you graduate, suspend school, drop out of school, or have your student status cancelled according to the Regulations on the Administration of Student Status in Colleges and Universities, you will pay all interest from the interest settlement date of the first month after completing the relevant procedures. If you fail to repay the loan principal and interest in time according to the regulations, the loan handling bank of Bank of China may charge a penalty interest on your default repayment amount, and you should repay it in full.
Please consult your university or Bank of China loan handling bank for details.
The above contents are for your reference. Please refer to the actual business regulations.
How much is the college student loan?
8000 yuan. The current national student loan subsidy ceiling is 6000 yuan per person per year. After adjustment, the annual loan amount for full-time college students shall not exceed 8,000 yuan; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees. The maximum amount of full-time graduate students applying for loans each year will reach 12000 yuan; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees. The repayment method of the student loan is 1. Pay off the students in one lump sum or several times before graduation; 2. After graduation, students can look at their liquidity to repay their loans; 3, graduates after the expiration of probation, in two to five years by the unit from their wages deducted monthly; In the place where graduates work, according to their performance, they decide to reduce the loan repayment; 5. If the borrower is expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students shall be responsible for returning all the loans.
So much for the introduction of college loans.