I. Guangdong
It is understood that in recent days, Dongguan has included graduates with college education or above from ordinary universities into the range of people who enjoy preferential policies for small secured loans in the city. University graduates with Dongguan household registration can start their own businesses and apply for loans of up to 80,000 yuan in the future. If a small and medium-sized enterprise is established for a partner or organization, the maximum amount of application for small loans is 200,000 yuan, and the Dongguan Municipal Finance Bureau will fully discount the qualified small secured loans.
According to reports, where college students with household registration in Dongguan apply for small loans to start their own businesses and find their own jobs, and the borrower provides effective mortgage (pledge) counter-guarantee, the amount of secured loans does not exceed 80,000 yuan (including 80,000 yuan); If the borrower provides a third party with a fixed income source as a joint and several liability guarantee for counter-guarantee, the secured loan amount shall not exceed 50,000 yuan (including 50,000 yuan); If the borrower cannot provide counter-guarantee, the secured loan amount shall not exceed 30,000 yuan (including 30,000 yuan).
If small and medium-sized enterprises are established in the form of partnership or organization, according to the counter-guarantee provided by the borrower, the secured loan amounts are 200,000 yuan, 6,543.8+0.5 million yuan and 6,543.8+0.5 million yuan respectively. The term of secured loans is generally not more than two years.
It is understood that in order to simplify the procedures of small secured loans, the counter-guarantee can be cancelled for those who have good personal credit and obtained the certificate of entrepreneurship training with the approval of the municipal labor department.
Second, Tianjin.
Tianjin college students' entrepreneurial loans can reach one million.
Third, Chongqing.
From June 5438+ 10, 2004, Chongqing Employment Service Administration took the lead in expanding the scope of the original re-employment microfinance: all college graduates who have not found a job for more than half a year after graduation and require employment can apply for a microfinance loan of less than 20,000 yuan to start their own businesses as long as they have obtained the urban unemployment certificate.
If the loan for college graduates needs government guarantee, it is useless to go to the bank to find the local social security bureau. Every region has a national loan policy to support college graduates to start their own businesses.