The road of college students' loan entrepreneurship

1. Apply through an employment agency

Individuals applying for small secured employment loans through employment agencies have different quotas in different cities, generally ranging from 20,000 yuan to 50,000 yuan. If entrepreneurs engage in high-tech industries and apply for self-employment certificates, the loan amount can be increased to 65,438+10,000 yuan. It is understood that entrepreneurs engaged in 30 low-profit projects such as hotel service, catering service, haircut, photocopying and typing can enjoy full financial discount, which means they don't have to pay loan interest, and the rest industries need to repay the principal and interest according to the bank loan interest rate.

There are four ways to apply for a loan:

The first type: the guarantor works in a government agency or institution;

Second, the guarantor has a fixed residence, a fixed income and a fixed job;

The third is to guarantee by real estate mortgage;

Fourth, guarantee through the credit union area.

2. College Students' Entrepreneurship Service Center

Many cities have set up entrepreneurial service departments such as College Students Pioneer Park, such as Jinan Youth Entrepreneurship Service Center. Generally, the loans provided are small secured loans or credit loans, but entrepreneurial college students generally require a legal business license and a fixed business place.

3. Bank loans

Applying for a business start-up loan from a bank is also a loan method. The upper limit of personal business loans provided by banks may reach one million or even ten million, and the loan period usually does not exceed five years. The bank's loan mortgage method is flexible, and it can adopt mortgage, pledge, guarantee and other methods. The loan interest rate rises gradually according to the growth of the loan term.

4. Investment guarantee companies and small loan companies

If the borrower has collateral, he can choose a small loan company or an investment guarantee company to apply for a venture loan. This kind of loan is generally fast, but the interest will be higher.

College students' venture loan quota

The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount. Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; Personal business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.

How to repay college students' loans for starting a business?

According to the length of the loan, it can be divided into two types:

The first type: the loan period is short, and the principal and interest can be repaid in one lump sum within one year (including one year). There are preferential policies for college graduates to start a business loan, and I don't have to pay interest for the loan for two years. Because of this, it is necessary to repay the principal in one lump sum.

Second, if the loan term is long, you can choose the equal principal and interest repayment method and the average capital repayment method. Matching principal and interest repayment method means that the monthly repayment amount is relatively fixed and the repayment pressure is relatively even. However, the average capital repayment method repays the same principal every month. However, due to the high interest rate in the early stage and the high repayment pressure in the early stage, it tends to decrease in the later stage.

Students can choose one of them according to their own situation, and remember to repay on time. Applying for a college student loan to start a business is just the beginning, and there is still a long way to go in the future. Don't lose big because of small things, which will affect your future career. Paying back on time is also one of the basic principles of being a man.