20 17 what information do you need to apply for commercial loans under the new national commercial loan policy? Business guarantee loan is a policy loan that people who meet the loan conditions face in the process of job hunting, self-employment and cooperative organization employment. The purpose is to help more workers achieve employment and re-employment through credit support by setting up a business start-up guarantee fund, which is guaranteed by guarantee institutions and issued loans through banks.

What are the policies for national venture loans?

(1) College graduates start their own businesses within 2 years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. The registered capital (capital) is less than 500,000 yuan, and installment payment is allowed. The first-time paid-in capital is more than 10% of the registered capital (the contribution is more than 30,000 yuan), and more than 50% of the paid-in registered capital within 1 year, with the balance of.

(2) Enterprises or business departments newly established by university graduates engaged in consulting, information and technical services shall be exempted from enterprise income tax for two years with the approval of the tax authorities. Enterprises or business departments newly established in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year and levied enterprise income tax by half in the second year with the approval of the tax authorities, and newly established in commerce, commerce, materials, foreign trade, tourism, logistics and warehousing.

(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide small loans for graduates who start their own businesses, simplifying procedures and facilitating account opening and settlement. The loan amount is about 20,000 yuan. The longest loan period is 2 years. If an extension is needed after the expiration, you can apply for an extension. The loan interest rate is determined according to the loan interest rate published by the People's Bank of China. The maximum guarantee amount is 5 times of the guarantee fund, and the term is the same as the loan term.

(4) The talent intermediary service institutions affiliated to the personnel administrative department of the government save personnel information (including social insurance, jobs, wages and other related procedures) for self-employed graduates, provide information on the supply and demand of talents and labor for two years free of charge, and publish recruitment advertisements and other services free of charge, so as to appropriately reduce the cost of participating in the talent market and labor exchange activities.