College students can borrow up to 80,000 yuan for starting a business, which generally lasts for 2 years. The loan applicant needs to provide counter-guarantee for the loan. Loan projects will be subsidized in accordance with the relevant provisions of the state and the autonomous region.
Fresh college graduates, unemployed college graduates, and college students (including entrepreneurial teams) who start their own businesses for the second time can apply for entrepreneurial loans in the local labor and social security departments. The application of college students' entrepreneurial loans needs certain conditions. Applicants should have specific business projects and obtain business licenses, and participate in SIYB training organized by the Communist Youth League and the labor department before applying for loans.
Take several provinces and cities as examples: registered unemployed college graduates in Taiyuan who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan. College graduates who start their own businesses in Fujian can enjoy the discount policy of small secured loans and other forms of small loans, with a maximum discount loan amount of 50,000 yuan. Qingdao allocated100,000 yuan to set up the Qingdao College Graduates Entrepreneurship Support Fund to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams with more than two people can be relaxed to 200,000 yuan.
College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
The procedure is more simplified. Where college graduates apply to engage in self-employment or bid for private enterprises within two years after graduation, they can register in advance through the "green channel" in the registration hall of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying.
For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.
How much can college students borrow for starting a business?
How much can a college student's entrepreneurial loan be borrowed varies from place to place, which is about 65,438+10,000 to 500,000. The loan applicant needs to provide counter-guarantee for the loan. The loan project will be subsidized according to the relevant requirements of the state and autonomous prefecture. The application of college students' entrepreneurial loans needs certain standards. Applicants need to have actual business projects and obtain business licenses, and can apply for loans only after participating in the training of labor agencies.
How much is the college students' entrepreneurial loan?
The maximum amount of college students' entrepreneurial loan shall not exceed 70% of the total amount of funds required by the applicant for production, operation and purchase of equipment and assets, and the maximum amount shall not exceed 50,000 yuan. However, the loan quotas of different places and banks are different, and they are also looking for bank loans. College students' entrepreneurship loan is a credit loan issued by banks and other institutions to college students. The government has formulated many preferential policies to support college students' entrepreneurship. The above is the relevant content of how much college students can borrow for starting a business. 1 is the way for college students to start a business loan; Apply for a loan from a bank; 2. College students can use new scientific and technological achievements or intellectual property rights and patent rights to make secured loans; 3. Apply for discount loans for small and micro technology enterprises. Banks attach great importance to borrowers' repayment ability, and the examination and approval of individual loan applications is very strict. According to the loan approval unit of the bank, newly graduated college students have almost no repayment ability and are generally not allowed to apply for loans. However, if the applicant can provide a third-party guarantee, he can apply for a secured loan, which requires the loan guarantor to have excellent personal credit and good economic ability. The higher the comprehensive score of the loan guarantor, the higher the loan amount. If you have real estate, you can apply for a mortgage loan, so the probability and amount of the loan will be higher. What are the conditions for a venture loan? 1. Lenders are college graduates, demobilized soldiers and other unemployed people; 2. When the lender submits the application, individuals and family members have no bad credit records and other loans, except housing loans, poverty alleviation loans and car purchase loans; 3. Some regions will stipulate that the applicant is an individual industrial and commercial household or the legal representative of the enterprise, and require the lender to provide a fixed business place to operate normally when receiving subsidies. Self-employed loans are easy to apply for as long as they meet the corresponding application criteria. However, the actual application criteria will still be different in each region, so be sure to check clearly before applying in case the application is not passed. This article is mainly about the knowledge points about how much college students can borrow for starting a business loan, and the content is for reference only.