1. What are the requirements for a venture loan?

1, with full capacity for civil conduct, under the age of 50.

2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce.

3, engaged in legitimate production and business activities, the project has development potential or market competitiveness, with the ability to repay the loan principal and interest on schedule.

4, good credit, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank.

5. Having a fixed residence and business premises in the agency.

6. Other conditions stipulated by the bank.

Second, the conditions of college students' entrepreneurial loans

It's hard! ! ! I also graduated this year. I've looked for many departments, and they're all pushing each other. You give it to me, I'll give it to you. Very troublesome! ! I suggest you go to your Labor and Social Security Bureau to ask, where there is a special window for consulting college students' loans, but the general loan conditions are: diploma, business license, business premises lease contract, guarantor's income certificate, and he has to go in person. . . How many sponsors are there? I don't know about your policy, so I'd better find some connections. My classmate has a loan, but it is related to running for two months! ! !

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Three, the conditions of new graduates' business loans

College degree or above; Unemployed for more than 6 months after graduation, and registered with the local labor and social security bureau; Personal credit record is good; Be able to provide valid identity certificate and residence certificate; The purpose of the loan meets the requirements of college students' entrepreneurship.

This year's college graduates need to provide proof of identity, student ID card or degree certificate, school report card, graduation certificate, bank card running bill in the past six months, etc. to the loan unit. Other certificates include scholarship certificate, blood donation certificate, class cadre certificate and honorary certificate, which can be provided by college students.

Fresh graduates need to provide business licenses and guarantee materials when applying for venture loans. The guarantee materials must be the evaluation report issued by the evaluation department recognized by the bank. College students can log on to the College Students' Entrepreneurship Network to consult related processes.

College students need to trust their household registration files in the employment guidance service center for college graduates when handling business loans. After college students apply for loans, banks will simplify the loan process and create convenient conditions for college students' loans.

The amount of college students' entrepreneurial loans is about 50,000 yuan, and the longest term is 2 years. College students' business start-up loans will provide a certain tax-free time for college students, and the registered capital can be used for installment repayment.

4. What conditions do fresh graduates need for starting a business loan?

To apply for a college student entrepreneurship loan, you need to meet the following conditions:

1, at least 18 years old, with valid residence certificate and fixed residence or business premises;

2. Hold a business license and engage in business activities in related industries, with stable income and the ability to repay the principal and interest;

3. The investment project has certain self-raised funds;

4. The loan shall be used in accordance with relevant national laws and bank credit policies (note: it shall not be used for equity investment);

5. Open a settlement account in the bank, and the operating income will be settled by the bank.

What are the repayment methods of college students' entrepreneurial loans?

The repayment methods of college students' entrepreneurial loans can be divided into two types according to the loan term: first, if the loan term is within one year (including one year), the principal and interest will be repaid at maturity, and the benefits will be paid off with the principal; Two, the loan period of more than one year, the repayment of the principal and interest of the loan can be used in the same amount of principal and interest repayment or other ways agreed by equal parties.