First, the loan object and conditions
Loan target: Xi 'an university graduates (including university student village officials and returned students) who set up enterprises or engage in self-employment in Xi 'an, and college students in ordinary universities.
Loan terms:
1. The applicant is between the age of 18 and the statutory retirement age, and has full capacity for civil conduct.
2. No bad credit record.
3 there are specific business projects and clear business premises, and the relevant licenses have been handled.
4. Have certain self-owned funds and repayment ability.
Second, the loan amount and duration
Loan amount: according to the borrower's actual situation and business projects, the maximum loan support can be 500,000 yuan.
Loan term: generally 2 years, and the longest is not more than 3 years.
Third, the loan application process
1. The borrower applies to the employment service agency in the district and county where he is located, and submits relevant materials.
2. The employment service agencies at the county level shall conduct preliminary examination on the application materials of the borrowers, and recommend them to the loan financial institutions if they meet the requirements.
3. The loan financial institution shall examine the application materials of the borrower, conduct a loan investigation on those who meet the requirements, and determine the loan amount and term.
4. The borrower signs a loan contract with the loan financial institution and uses the loan according to the contract.
Fourth, the loan discount policy.
In order to encourage college students to start their own businesses, Xi also provides a loan discount policy. For qualified college students' entrepreneurial loans, the government will give some discount support to reduce the interest burden of borrowers. The specific discount ratio and amount are determined according to the actual situation of the borrower and the business project.
In a word, Xi's college students' entrepreneurship loan policy provides strong support for college students who are interested in entrepreneurship and helps them realize their entrepreneurial dreams. Eligible borrowers can apply for loans according to their own conditions and enjoy preferential policies.