Requirements for loan amount: the small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, with a term of 1 ~ 2 years. After 2 years, they will not enjoy financial discount. The amount of risk loans generally requires:
The maximum amount shall not exceed the working capital required by the borrower for normal production and operation activities, and the purchase (installation or repair) of small equipment (machines and tools), 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.
Extended data:
There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities.
Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school.
The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit loan is an important part of college student loan.
National student loans only need to be borrowed. Students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. The following is a detailed introduction to the policy details of college student loans for you.
The new policy will change the current practice of repaying the loan principal within four years from the date of graduation. Depending on the employment situation of the borrower after graduation, the loan will be repaid after 1 2 years and paid off within six years.
According to the new policy, borrowing students can apply to the bank to adjust the repayment plan after graduation or termination of their studies 1 year, and the handling bank should accept it and make reasonable adjustments according to the actual situation and relevant regulations.
For students who fail to repay the national student loan within the agreed time limit and amount, the handling bank will charge default interest on the amount of the default loan, and load the default behavior into the credit information system of financial institutions, and financial institutions will no longer handle new loans and other credit businesses for them;
On schedule, the names, citizen ID numbers, graduation schools and default behaviors of students who have been in arrears for more than one year and have not actively contacted the handling bank will be provided to the National Student Loan Management Center according to their affiliation.
The National Student Loan Management Center will further improve the information management and post-loan tracking management of borrowing students, and accept the inquiries of the handling banks about the information of borrowing students; The list of students who have defaulted on loans provided by the handling bank will be published in the news media and the website of the national college graduates' academic qualifications inquiry system.
Borrowing students can repay national student loans in two ways: banks usually design two repayment methods for borrowing students: matching principal and interest repayment method and average capital repayment method.
Matching principal and interest repayment method: the amount of principal and interest in each period is equal, and the repayment pressure is evenly distributed; The repayment method of average capital, the repayment amount in each period is more at the beginning, and the repayment amount in each period is less later, and the repayment pressure is tight before it is loose. The total principal and interest paid by the equal principal and interest repayment method is slightly higher than that by the average capital repayment method.
Baidu Encyclopedia-Student Loan Policy