At the press conference, Chen Zhong, deputy director of the Zhejiang Provincial Department of Human Resources and Social Security, introduced that the employment policies for college graduates in Zhejiang are relatively rich. In addition to the urban area of Hangzhou, the restrictions on graduates with college degree or above will be fully liberalized, and the conditions for settling in Hangzhou are bachelor degree or above. College graduates working in Zhejiang can enjoy living allowances ranging from 200,000 to 400,000 yuan or housing and rental subsidies. College students who want to start a business can borrow 654.38+ 10,000 to 500,000 yuan. If the operation fails, the government will compensate the loans below 654.38+10,000 yuan and the loans above 654.38+10,000 yuan by 80%. College students are engaged in home economics, old-age care and modern agricultural entrepreneurship, and the government gives 65,438+10,000 yuan of entrepreneurship subsidies. College students are employed in these fields, and the government gives employment subsidies of 654.38+10,000 yuan per person every year for three years. College students go to Zhejiang for internships, and there are living allowances everywhere. Graduates with family difficulties will be given a job-seeking and entrepreneurship subsidy of 3,000 yuan per person.

Application conditions for college students' entrepreneurial loans in Hangzhou

College degree or above.

2, with the city account (except suburban counties)

3. Unemployment registration has been made in the Labor Bureau (it takes about 15 yuan to apply for employment unemployment registration certificate).

4, the urban area has its own name (or immediate family name) fixed property as collateral.

5. Having a guarantor (must be an on-the-job civil servant of the country and have no large credit business or debt in the bank).

6, have their own company or enterprise or individual entity, and has been operating normally for more than half a year.

7. Individuals have no bad credit records (credit cards, student loans, personal credit, etc.). ).

(One of the four or five items is enough, except for the hard door. )

If you have these items, you can go to the local employment guidance center and ask the local bank that provides college students with entrepreneurial loans, and apply for loans at the bank credit office. The bank will tell you what you should have, the documents you need to fill in and the supporting materials you need to provide (personal ID card, household registration book, real estate license or guarantor's ID card, work permit, salary details within three months, unit certificate, community certificate, local talent agency certificate, personal company business license, relevant financial statements, income statement, etc.). )

At that time, we made a lot of noise when we were doing it, and the relationship also reached the municipal level (I don't know if there is any relationship, but I haven't heard of it-_-! ~) It took about 2 months (from application to loan)

The welfare is a three-year interest-free loan of 5 yuan (about 1W after deducting public relations expenses, and the remaining 4W).

1 The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;

(5) Open a settlement account in a bank, and the operating income will be settled by the bank.

Application materials for college students' entrepreneurial loans

(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;

(2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.

How to get a business loan for Hangzhou University graduates?

First, college graduates apply for business loans:

1, college degree or above;

2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Two. Preferential policies for entrepreneurial loans for college graduates;

1. College graduates can get a discount loan of up to 300,000 yuan when starting a business in Hangzhou, but they must meet the relevant guarantee conditions;

2. College graduates can get 200,000 ~ 200,000 free subsidies for starting businesses in Hangzhou, and get government subsidies through application;

3. College graduates can get rent subsidies for starting businesses in Hangzhou: per square meter 1 yuan in the first year, 0.5 yuan per square meter in the second year and 0.5 yuan per square meter in the third year. But the maximum is 100 square meter.

4, college graduates business loan period:

The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1~2 years, after which they will no longer enjoy financial interest subsidies.

Third, college graduates' entrepreneurial loans

There are secured loans and mortgage loans for college graduates to start businesses. Loans should be guaranteed by people with stable income and good credit status. Mortgage means that college students can use their own cars or houses as collateral.

How to apply for entrepreneurship subsidies for college students in Hangzhou?

1, Application Form for College Students' Entrepreneurship Support in Hangzhou;

2, identity, household registration, education, students to provide proof of school and school acceptance of the project incubation certificate, industrial and commercial registration certificate;

3. To apply for commercial loan discount, a loan contract must be provided; Contracts, vouchers and business plans that provide relevant expenses when applying for free project funding;

4. Projects that apply for 6.5438+0.5 million yuan and 200,000 yuan for free funding will be given priority under the same conditions recommended by entrepreneurial tutors or venture capitalists, venture capital institutions and related enterprises.

The application for project funding shall be conducted according to the following procedures:

1, accepted;

2. review;

3. review;

4. publicity;

5. Ratification;

6. payment.

Hangzhou University Students' Entrepreneurship?

The interest on venture loans is generally calculated according to the commercial loan interest rate of banks, and generally fluctuates around the national benchmark interest rate. Venture loans are generally supported by policies, and local government finance will take the initiative to bear part of the loan interest. For example, the interest rate of entrepreneurial loans for laid-off workers or fresh college graduates can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the entrepreneurial loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government. The latest national benchmark interest rate is as follows: 1. The interest rate within one year is 4.35%; 2. The annual interest rate for one to five years is 4.75%; 3. The interest rate over five years is 4.90%. Generally speaking, the interest rate of venture loan is 0, but it should be discussed in different situations, including campus venture loan and applying for venture loan in the bank. If it is a college student business loan, then this business loan is interest-free, and the general term is between two and three years; If you apply for a venture loan through the bank's special window, as long as the amount is not very large and the term is not long, it is interest-free. If the amount is large and the service life exceeds the bank's tolerance, interest will be charged appropriately, which will be lower than other types of bank loans. Therefore, the interest on venture loans is still very cost-effective. Good luck with your application. The policies of venture loans are similar everywhere, mainly unsecured, interest-free or low-interest. The application procedures vary from place to place, so it is best to consult the local founders (institutions under the Human Resources and Social Security Bureau). Let me take Nanjing's policy as an example: Nanjing college students' self-employment loan is a business loan for non-full-time college graduates in Nanjing within five years after graduation. Due to the lack of funds, government departments provide guarantee funds, commercial bank loans, business projects meet the relevant conditions, and the government gives subsidies. All qualified self-employed graduates can apply to Nanjing Graduate Employment Guidance Service Center. Bank of Nanjing approved the loan to help graduates solve their financing difficulties. The policies and operating methods for applying for venture loans are as follows. Article 1 loan purpose and loan amount 1. Venture loan is a kind of policy-oriented commercial loan, which is used to make up for the capital gap of the borrower in the initial stage or in the process of entrepreneurship. The borrower shall use the loan according to the purpose agreed in the loan contract, and shall not misappropriate it for living expenses or expenses unrelated to entrepreneurial projects and production and operation. Banks and city graduate employment guidance service centers have the right to supervise and inspect the payment and use of loans according to loan contracts. If the borrower violates the terms of the loan contract, the lending bank has the right to recover the loan in advance or take credit sanctions. 2. The venture amount is generally 30,000-50,000 yuan, with a maximum of 65,438+10,000 yuan. Employment through a partnership organization shall not exceed a maximum of 250,000 yuan. 3. The term of the venture loan is six months, one year and two years. The loan interest rate is determined according to the benchmark loan interest rate published by the People's Bank of China. After repaying the principal and interest, you can apply for full discount, and 50% discount for non-profit industries. 4. When the venture loan expires, due to the needs of the development of production and operation, in accordance with the principle of repayment first, the borrower can apply for loan extension to the loan bank and the employment guidance service center of city graduates in advance, and go through the guarantee extension procedures. The bank and the city graduate employment guidance service center shall review and decide according to the conditions of loan renewal. If it is really difficult to repay the loan due, it is necessary to apply for an extension to the bank and the city graduate employment guidance service center two months in advance. The extension can only be made once, no more than one year, and there is no discount for the extension. Article 2 The designated bank accepting risk loans is Jimingsi Sub-branch of Bank of Nanjing. Article 3 The object of fund guarantee refers to non-Nanjing full-time graduates of Nanjing ordinary colleges and universities who start businesses in Nanjing within two years after graduation. Article 4 The basic conditions for applying for a secured loan are 1, and the applicant has no bad credit record or other economic violations. 2, the applicant to fill in the "Nanjing college students' self-employment loan application review form". 3. To apply for a loan of more than 30,000 yuan, the applicant must go through the necessary counter-guarantee procedures such as property mortgage, pledge and personal guarantee at the employment guidance service center of city graduates. 4. The applicant's account must be linked to the collective account of Nanjing Talent Service Center. 5. Self-owned capital requirements: the applicant should have more than 50% of the capital or assets needed for starting a business. 6. The administrative examination and approval procedures prescribed by law must be complete. Article 5 Handling procedures (check .. CN in the "Self-employment" module of Nanjing Graduate Employment Network) Article 6 The materials that the applicant should provide: 1 The applicant fills in the Letter of Authorization for Entrusting Personal Credit Information (in duplicate). (Download from the "Self-employment" module of Nanjing Graduate Employment Network .. CN) 2. Approval Form for the Application for Self-employment Loan of College Students in Nanjing (in duplicate) filled out by the applicant. (Download from the "Self-employment" module of Nanjing Graduate Employment Network .. CN) 3. A written application report for venture loan (one copy). 4. Applicant's ID card (one original and one copy each). 5. The applicant's household registration certificate (one copy). 6. The applicant's graduation certificate (one original and one copy each). 7. Summary of business plan (two copies). 8. Business license and tax registration certificate (including tax payment certificate) (one original and one copy each). 9. Marriage certificate and divorce certificate (one original and one copy each). 10, special business qualification certificate (one original and one copy each). 1 1, recent financial statements and cash flow statement (one copy). 12. The applicant shall provide the credit certificate of the counter-guarantor or the original certificate of the rights of the counter-guaranteed assets. Article 7 The responsible borrower of the borrower shall strictly fulfill the agreed obligations, accept the post-loan management and supervision of Nanjing Graduate Employment Guidance Center and designated banks, and ensure that the loan funds are used exclusively. The borrower shall consciously accept the financial supervision or financial agency of the fund management institution and the relevant departments entrusted by it. If the borrower maliciously evades the debt, once found, he will be investigated for legal responsibility according to law. 、

So much for the introduction of college students' entrepreneurial loans in Hangzhou.