How to apply for college student loans

1. How to apply for college student loans and what are the conditions?

1. College graduates or above;

2. Unemployed for more than 6 months after graduation, and registered as unemployed with the local labor and social security department;

3. When applying for this type of loan, there are three important points:

First, the loan applicant must have a fixed residence or business place. Secondly, a business license and operating permit, stable income and the ability to repay principal and interest; thirdly and most importantly, the entrepreneur has a certain amount of his own funds for the project he invests in.

Only those who meet the above conditions can apply to the bank. The information required when applying mainly includes: proof of marital status, personal or family income and property status and other repayment ability documents; relevant agreements on the purpose of the loan. , contract; guarantee materials, ownership certificates and lists involving collateral or pledges, and mortgage (pledge) valuation reports issued by the bank's recognized evaluation department. In addition to written materials, there must be collateral. There are many types of mortgages, including movable and real estate mortgages, time deposit certificate pledges, securities pledges, highly liquid movable assets pledges, and qualified guarantor guarantees. The amount of payment is determined based on the specific guarantee method.

Are there any preferential policies for college student loans?

Preferential policies for college student loans: In order to encourage college graduates to start their own businesses and drive employment through entrepreneurship, the Ministry of Finance and the State Administration of Taxation issued the "About Support "Notice on Tax Policies for Promoting and Promoting Employment", which clarifies that graduates can enjoy preferential tax exemption policies for starting their own businesses within three years from the year of graduation. Among them, college graduates who start a business while in school can apply for the "College Graduates Self-Employment Certificate" from the college where they are located.

Those who start a business after leaving school can apply directly to the human resources and social security department at or above the county level where they started their business with their graduation certificate for the issuance of an "Employment and Unemployment Registration Certificate" as a proof of policy enjoyment. Entrepreneurship loans for college students are unsecured and unsecured credit loans for college students issued by banks and other fund-issuing institutions to students in colleges and universities (college students, undergraduates, graduate students, doctoral students, etc.).

College student loan application process:

1. Acceptance. Applicants apply to the University Student Entrepreneurship Park Management Service Center and submit relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center;

2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount;

3. Public announcement. The commercial loan interest discount objects and interest discount amounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days;

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

5. Appropriation. According to the approval notice, the Finance Bureau will allocate funding from the special funds to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates;

6. College student entrepreneurship loan application materials.

Reference for the above content: Baidu Encyclopedia - Preferential policies for self-employment loans for college students

Can fresh graduates get loans

Bank of China’s college graduates’ entrepreneurial loans are " "Ideal Home? Entrepreneurship Treasure" small guaranteed loans for college graduates refer to loans issued by lenders to encourage unemployed college graduates with certain entrepreneurial abilities to start their own businesses.

1. Loan targets

Unemployed college graduates who are within the legal working age, have full capacity for civil conduct, are in good health, are honest and trustworthy, have the desire to start a business and have the conditions to start a business. . The so-called college graduates refer to current and recent college graduates who have obtained a junior college or above (including junior college) academic certificate issued by a nationally recognized full-time general institution of higher learning and have not yet been employed within 5 years. It also applies to current students with special expertise. On the original basis, it will be expanded to include college graduates (including college student village officials and students who have returned from studying abroad).

2. Borrower conditions

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

(2) Having a local permanent residence and fixed residence;

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(3) Hold a valid resident ID card, have a junior college degree or above (including junior college) issued by a nationally recognized full-time institution of higher learning, provide a personal file archiving certificate issued by an archiving institution, the local labor and social security department The issued employment and unemployment registration certificate, etc.; for partnership operations, a cooperation agreement or articles of association should also be provided;

(4) Proof of business scope and business site ownership;

(5) Can provide An effective guarantee recognized by the bank;

(6) Your self-raised funds shall not be less than RMB 30;

(7) Other conditions stipulated by the lender.

3. Submit the following information:

(1) If the guarantee method is adopted by a guarantee agency, submit the following information:

(1) The original and copy of your valid ID document (including but not limited to ID card or household registration book, etc.);

⑵ Unemployed college graduates must provide the "Graduation Certificate" and the original and copy of the employment and unemployment registration certificate issued by the local labor and social security department; for partnerships; Those operating should also provide a cooperation agreement or articles of association;

⑶The original and copy of the industrial and commercial business license or operating license;

⑷The loan application should include the loan amount, loan period, The main contents such as the purpose of the loan, the repayment method, and the source of repayment;

⑸ Community recommendations and preliminary review opinions of the labor and social security department;

⑹ The loan guarantee agency reviews and promises to provide Written guarantee document of irrevocable joint and several liability guarantee;

⑺The review confirmation opinions and information on low-profit projects provided by the labor and social security department (applicable to loans for low-profit projects guaranteed by guarantee institutions and with fiscal discounts);

⑻ Documents proving your self-raised funds;

⑼ Your personal credit report;

⑽ Other documents or information required by the handling bank.

(2) If the natural person guarantee method and the mortgage (pledge) guarantee method are used, the following materials must be submitted:

⑴The original and copy of resident ID card or household registration;

⑵Students with special expertise should provide proof of enrollment, and unemployed college graduates should provide the "Graduation Certificate" and the original and copy of the employment and unemployment registration certificate issued by the local labor and social security department; for partnerships, cooperation should also be provided Agreement or articles of association;

⑶ Original and copy of industrial and commercial business license or business license;

⑷ Loan application, which should include the loan amount, loan period, purpose of loan, and repayment method , repayment sources and other main contents;

⑸Self-employment project plan;

⑹Documents proving your self-raised funds;

⑺Your personal Credit report;

⑻Other documents or information required by the handling bank. Because there are certain differences in various regions, you need to consult the local agency when applying for a loan.

The above content is for your reference, please refer to actual business regulations.

How to apply for entrepreneurial loans and unemployment loans for college students

The country provides loans of RMB 30,000 to RMB 70,000 to college students to start their own businesses. Loan procedures:

Article 15 If the borrower is an individual industrial and commercial household, he or she shall submit an application to the social security office where the household registration or business is located, and fill in three copies of the "Beijing Small Amount Guaranteed Loan Application and Recommendation Letter for Self-employment" (One copy each from the social security office, handling bank, and guarantee agency) and provide the following documents:

1. Borrower’s identity document.

Including the originals and copies of the "Resident Identity Card", "Household Register", "Reemployment Discount Certificate", "University Graduation Certificate", self-employment certificate of demobilized (transferred) soldiers or rural labor transfer employment registration certificate;

2. "Entrepreneurship Training Qualification Certificate" or Entrepreneurship Training Qualification Certificate approved by the Beijing Municipal Labor and Social Security Department and its copy, and a qualified entrepreneurial project plan or feasibility analysis report approved by the Entrepreneurship Training Institution;

3. Original and copy of "Business License for Individual Industrial and Commercial Households";

4. "Personal Commitment Letter for Small Guaranteed Loans in Beijing Credit Community";

5. Economic Other information required by banks and guarantee institutions.

Article 16 If the borrower is a small business founded independently or in partnership, an application shall be submitted to the labor and social security department of the county where it is registered, and the "Beijing Small Business Small Guaranteed Loan Application" must be filled in in triplicate. , (one copy each from the district and county labor and social security departments, guarantee agencies, and handling banks) and provide the following documents:

1. "Reemployment Discount Certificate" and "University Graduation Certificate" of the founder, partner or shareholder Certificate", self-employment certificate of demobilized (transferred) military personnel, original and copy of rural labor transfer employment registration certificate;

2. Copy of "Business License", "Enterprise Organization Code Certificate", "Registration Capital Verification" Report" original and a copy with the official seal of the company;

3. Certificate of business location and a copy with the official seal;

4. Articles of Association and partnership with the official seal of the company Copy of the agreement;

5. Copy of tax registration certificate (national tax, local tax);

6. Identity card of the legal representative, power of attorney of the authorized agent and agent Original and copy of ID card;

7. Copy of loan card and password (or copy of loan card query results);

8. Resolution of the shareholders’ meeting on the company’s decision to apply for financing guarantee Or the resolution of the partners’ meeting;

9. Financial statements for the current year, including balance sheet, profit and loss statement, etc.;

10. General situation of the company and project feasibility report;

11. Counter-guarantee measures to be provided;

12. Other information required by the guarantee agency and the handling bank.

Article 17 The borrower should open an account at the lending bank, and the funds used for project operations should not be less than 30% of the loan principal; the borrower should operate legally, have good credit standing, and have the ability to repay debts.

Article 18: Approval procedures for borrowers to apply for small-amount guaranteed loans for individual industrial and commercial households.

Can college students get loans?

Can college students get loans?

College students belong to the category of adults. Loans are completely possible. There are several main ways to get loans for college students. :

First, apply for a student loan from the school. In this regard, you can consult and negotiate with the school’s Academic Affairs Office. With permission, the school will handle the loan matters.

Second, there is a national interest-free loan for entrepreneurship. For this, you can go to the relevant community with your diploma and ID for consultation. If the conditions are fully met, you can apply for the loan.

Thirdly, in terms of bank loans, the state also takes care of college student loans, but you need to have a business place and a business license from the relevant industrial and commercial department.

In addition, the relevant interest-free policies for self-employment loans for college students are as follows. This is the official provision of our country and is now reproduced to everyone for reference:

1. Application for college student entrepreneurship loans Conditions:

1. College graduates or above;

2. Not employed for more than 6 months after graduation, and registered as unemployed with the local labor and social security department.

2. Loan period: The small entrepreneurial loans provided by the state to college graduates are government subsidized loans with a term of 1 to 2 years. After 2 years, they will no longer enjoy financial discounts.

3. Loan methods: The methods for college graduates to start their own businesses are guaranteed and mortgage (pledge) loans.