Can I apply for a business loan with a university diploma?

;? As more and more college students graduate, the employment pressure is also increasing. Many college students want to They want to know if they can apply for a business loan with their college diploma. We know that college students in Yueqing City can apply for entrepreneurial loans from the Agricultural Bank of China and need to provide a college diploma. In fact, more often than not, the role of a university diploma is to prove that you have the qualifications. When college students apply for entrepreneurial loans, they need to consider the specific circumstances. Generally speaking, a university diploma cannot be used to apply for a loan, nor can it be used as collateral. form appears. However, it is better if the borrower can provide a copy of his or her university diploma when applying for a loan. If you happen to be a recent graduate and have a university diploma, it is more convenient to apply for a business loan. College students who want to start a business need to be college graduates or above, and have been unemployed for more than 6 months after graduation, and have registered as unemployed with the local labor and social security department. Generally speaking, college students can apply for small-amount entrepreneurial loans to start their own businesses, which mainly enjoy the government's financial interest subsidies. The period is 1 to 2 years, and they will no longer be eligible after 2 years. To put it simply, more often than not, a university diploma only appears as an auxiliary material. Of course, various regions have different policies for college student entrepreneurship loans, so the required materials are different. If you want to know whether your university diploma can apply for a business loan, you need to go to the relevant departments for consultation and understanding. ? Can college students who have graduated two years ago still enjoy entrepreneurial loans?

College students who have graduated two years ago can still enjoy entrepreneurial loans.

With the encouragement of national policies, there are more and more flexible employment forms for college graduates, and self-employment is a good form of employment. Chongqing also provides a preferential policy for college graduates to start their own businesses. College graduates who apply for self-employed businesses can enjoy small loans with fiscal discounts. The brief content is as follows.

1. Application conditions:

1. College graduates or above;

2. Those who have not been employed for more than 6 months after graduation and are under local labor security The department handled unemployment registration.

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 benefits. discount.

3. Loan methods:

The small loan methods for college graduates to start their own businesses are guaranteed and mortgage (pledge) loans.

4. Relevant instructions

For specific operation methods, please consult the local Labor and Social Security Bureau. In addition, there are other preferential policies for college students to start their own businesses. For example, those who are self-employed will be exempted from industrial and commercial registration and management administrative fees for one year; those who start their own businesses and are self-employed can also keep their household registration files in the municipal university. Employment guidance service center for college graduates. For specific policies on self-employment of university graduates, the relevant departments should be consulted.

5. Related content

College students can start their own business interest-free for 3 years, information: ID card and copy of student ID card

Loan amount: 10,000-50,000; loan Term: 1-5 years; loan interest rate: one percent monthly interest rate (1%)

Graduation certificate, school employment certificate, get the file, go to the talent center in your city to click on the file and then Just fill out a self-employment form, get it stamped by the Personnel Bureau, and then go to the bank to apply. Can newly graduated college students apply for business loans?

Yes.

College graduates who start their own business within two years after graduation must go to the industrial and commercial department where the entrepreneurial entity is located to apply for a business license. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be paid in installments. The first installment of funds is not required. If the amount is less than 10% of the registered capital (the capital contribution is not less than 30,000 yuan), the paid-in registered capital will be increased to more than 50% within one year, and the balance can be paid in installments within three years.

For college students who have just graduated within two years and want to start a business, it is better to apply for the national preferential entrepreneurial policies. Because policies vary from place to place. To apply for preferential policies, you must first apply to the Labor and Employment Security Bureau or Employment Guidance Center in the area where your household registration is located or where your school is located.

Loan applicants must have a fixed residence or business location.

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 appraisal 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.