China Bank's entrepreneurial loan for college graduates is an "ideal home"? "Chuangyebao" is a small secured loan for college graduates, which refers to loans granted by lenders to encourage unemployed college graduates with certain entrepreneurial ability to start their own businesses.

1. The loan target

Unemployed college graduates who are within the legal working age, have full capacity for civil conduct, are healthy, honest and trustworthy, have entrepreneurial aspirations and have entrepreneurial conditions. The term "college graduates" refers to college graduates who have not been employed for five years and have obtained college diploma or above issued by full-time colleges and universities recognized by the state, and also applies to students with special expertise. On the original basis, it will be expanded into college graduates (including college student village officials and returned students).

Second, the borrower's conditions

(1) A natural person with full capacity for civil conduct;

(2) having a local permanent residence and permanent residence;

(3) Holding a valid resident ID card, having a diploma of junior college or above issued by a full-time ordinary college recognized by the state, providing a personal file filing certificate issued by an archiving agency, and a certificate of employment unemployment registration issued by the local labor and social security department, etc.; A partnership shall also provide a cooperation agreement or articles of association;

(4) proof of the business scope and the ownership of the business site;

(5) It can provide effective guarantee recognized by the bank;

(6) Your self-raised funds shall not be less than 3%;

(7) Other conditions stipulated by the lender.

III. The materials to be submitted are as follows:

(1) If a guarantee institution is adopted, the following materials shall be submitted:

(1) The original and photocopy of your valid ID card (including but not limited to ID card or household registration book);

(2) Unemployed college graduates provide the original and photocopy of the Graduation Certificate and the employment unemployment registration certificate issued by the local labor and social security department; For the partnership, a cooperation agreement or articles of association shall also be provided;

(3) the original and photocopy of the industrial and commercial business license or business license;

(4) loan application, which should include the loan amount, loan term, loan purpose, repayment method, repayment source and other main contents;

(5) review opinions recommended by the community and qualified by the labor and social security department;

[6] The loan guarantee institution reviews and promises to provide written guarantee documents of irrevocable joint and several liability guarantee;

once, the audit confirmation opinions and materials provided by the labor and social security department for engaging in low-profit projects (applicable to low-profit project loans guaranteed by guarantee institutions and financially subsidized);

⑻ your self-financing documents;

⑼ your personal credit report;

⑽ other documents or materials required by the handling bank.

(2) If natural person guarantee and mortgage (pledge) guarantee are adopted, the following materials shall be submitted:

(1) Original and photocopy of resident identity card or household registration;

(2) Students with special expertise should provide school certificates, and unemployed college graduates should provide the original and photocopy of the Graduation Certificate and the employment unemployment registration certificate issued by the local labor and social security department; For the partnership, a cooperation agreement or articles of association shall also be provided;

(3) the original and photocopy of the industrial and commercial business license or business license;

(4) loan application, which should include the loan amount, loan term, loan purpose, repayment method, repayment source and other main contents;

(5) self-employment project plan;

[6] your self-financing documents;

⑺ your personal credit report;

⑻ Other documents or materials required by the handling bank. Because there are some differences in different regions, please consult the local agency in detail when applying for a loan.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GO APP to handle related business. Can college students get a loan?

Can college students get loans?

College students belong to the category of adults, and loans are completely possible. There are several main ways to get loans for college students:

First, apply for a student loan from the school, which can be consulted and negotiated with the academic affairs office of the school. If allowed, the school will handle the loan matters.

second, the national interest-free loan for business start-up. You can go to the relevant community for consultation with your graduation certificate and identity documents. If the conditions are completely met, you can apply for a loan.

Third, the state also takes care of college students' loans in terms of bank loans, but I need to have a business place and a business license of the relevant industrial and commercial departments.

In addition, the relevant interest-free policies on college students' self-employment loans are as follows, which are official provisions in China, and are now relayed to you for reference:

1. Conditions for applying for college students' entrepreneurship loans:

1. College graduates or above;

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

second, the loan term: the small-scale business start-up loans provided by the state for college graduates are government-subsidized loans, with a term of 1-2 years, after which they will no longer enjoy financial discount.

third, loan methods: the micro-loan methods for college graduates to start their own businesses are guarantee and mortgage (pledge) loans.

For more information about whether college students can get loans, go to: See more. Can college students get loans?

Yes. When college students apply for a loan for the first time, they should submit the following materials: (1) the borrower's household registration book and valid ID card (show the original and hand in 2 copies). (2)*** with the borrower's household registration book and valid ID card (show the original and hand in 2 copies). (3) Application Form for Identification of Students with Financial Difficulties in Colleges and Universities (1 original and 1 copy each). #p# Subtitle #e#(4) Proof of family financial difficulties (one original and one copy each). (5) the bank card of the borrower's savings in the local postal service (show the original for checking and hand in 2 copies). (6) Borrowing students show their student ID cards and hand in 2 copies. Your student ID card has no mortgage or proof function, so you don't have to hand it in after application. There are many ways to repay, and it is the bank, not the school, that lends you money. (1) Before the students graduate, they shall be paid off in one time or several times; (2) After graduation, all the loans will be paid back to the loan issuing department by their work units; (3) After the expiration of the trainee period, the graduate will be deducted from his salary month by month within two to five years; (4) The unit where the graduates work, depending on their performance, decides to reduce or exempt the loans paid back; (5) For the students who have borrowed money, if they are expelled from the school, ordered to drop out of school or the students voluntarily drop out of school for violating the national laws and school discipline, the parents of the students shall be responsible for returning all the loans. Can college students get loans?

College students belong to the category of adults, and loans are completely possible. There are several main ways to get loans for college students. Please refer to: You can consult and negotiate with the academic affairs office of the school in this regard, and the school will handle the loan matters if permitted. For a national interest-free loan for starting a business, you can go to the relevant community for consultation with your graduation certificate and identity certificate. If the conditions are fully met, you can apply for a loan. In terms of bank loans, the state also takes care of college students' loans, but I need to have a business place and a business license of the relevant industrial and commercial departments. Conditions for applying for college students' entrepreneurial loans: college graduates or above; Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department. Loan Term: The small-scale business start-up loans provided by the state for college graduates are subsidized loans by the government, with a term of 1-2 years, after which they will no longer enjoy financial discount. Loan mode: the micro-loan mode for college graduates to start their own businesses is guarantee, mortgage (pledge) loan. Please consult the local labor and social security bureau for specific operation methods. In addition, there are other preferential policies for college students to start their own businesses. For example, those who are engaged in self-employment are exempt from industrial and commercial registration and management administrative fees within one year. The relevant departments should be consulted about the specific policies for college graduates to start their own businesses. When applying for such loans, the application materials are important in three aspects: first, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and the ability to repay the principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds. Only those who meet the above conditions can apply to the bank. The materials to be provided when applying mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Relevant agreements and contracts for loan purposes; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, negotiable securities pledge, movable property pledge with strong liquidity, and qualified guarantor guarantee. The amount of payment is determined according to the specific guarantee method. Amount Requirements The amount of the venture loan is generally required: the maximum amount shall not exceed 7% of the total amount of funds 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 loans for production and operation is 1 year; The term loan interest rate promulgated by the People's Bank of China shall be applied to individual venture loans, which may fluctuate within the prescribed range. Loan repayment method: 1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest will be repaid at one time, and the profits will be paid off with the principal; 2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. Tax Exemption Policy College graduates (including junior college students, undergraduate students and graduate students) who are engaged in self-employment shall be exempted from self-employment registration fees, self-employment management fees, demonstration text cost of economic contracts, etc. within one year from the date of business approval. In addition, if you set up an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. Article 11 of the Interim Measures for Personal Loans An application for personal loans shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.