First of all, you must have registered as unemployed with the local labor and social security department. If you plan to engage in self-employment or start a small business and have insufficient funds, you can apply for a small guaranteed loan. The relevant regulations are as follows: the amount of the loan applied for is RMB 20,000 to RMB 50,000; for a partnership, the amount is calculated as RMB 20,000 per person, with a maximum limit of RMB 100,000. The loan period is generally 1 year, with a maximum of 2 years, and can be renewed upon expiration. After the loan period expires, graduates who repay the loan on time and meet the prescribed conditions can directly apply for a loan interest discount to the county (city) or district employment management service agency. After review, the finance department will provide an interest discount of 50%. Graduates who apply for small-amount guaranteed loans must submit a loan qualification application to the social security and assistance agency of the street (township) where their household registration is located, fill in the "Small-amount Guaranteed Loan Qualification Form", and provide their ID card and a copy, household register and Copies, unemployment registration certificates and copies, entrepreneurial project feasibility and benefit evaluation reports, relevant collateral (pledge) and third-party guarantee certificates and other supporting documents. Due to different local policies, it is recommended that you consult the local labor bureau to add: Conditions for college student entrepreneurship loans: Materials and steps for applying for small-amount guaranteed loans for self-employment 1. Provide materials: Small-amount guaranteed loan application form, reasonable and valid identity certificate (ID card ), loan business project plan. 2. Application steps (1) Voluntarily submit an application to the Graduate Employment Guidance Service Center affiliated with the human resources department of the government where the business is located. (2) The Graduate Employment Guidance Center will work with relevant departments to conduct a preliminary review of the basic conditions of applicants applying for loan guarantees. (3) The Graduate Employment Guidance Service Center will recommend relevant materials of applicants who pass the preliminary review to the municipal guarantee agency. (4) The municipal guarantee agency shall review the guarantee application. After the guarantee agency promises the guarantee, the Graduate Employment Service Center will submit the applicant's relevant materials to a commercial bank with a loan guarantee cooperation relationship for loan review. (5) After the commercial bank approves the loan after review, it will sign a guarantee contract with the guarantee agency, sign a loan agreement with the loan applicant, issue the loan, and indicate on the applicant's "Self-employment Certificate" that the guarantee agreement has been processed. Conditions for entrepreneurial loans for college students: Bank requirements for loan applicants (1) be at least 18 years old, have a legal and valid identity certificate and a legal residence certificate in the location of the loan bank, and have a fixed residence or business place; (2) hold an industrial and commercial administrative certificate The business license issued by the government and the business license of related industries, engaged in legitimate production and business activities, with stable income and the ability to repay principal and interest; (3) The borrower has a certain amount of own funds for the investment project; (4) The purpose of the loan complies with relevant national laws and the Bank's credit policies, and is not allowed to be used for equity investment; (5) Open a settlement account with the Bank, and the operating income will be settled through the Bank. Loan applicants need to provide application information (1) identity documents of the borrower and spouse (including original resident ID card, household register or other valid residence certificate) and proof of marital status; (2) personal or family income and property status, etc. repayment ability Supporting documents; (3) Business license and business license for related industries, relevant agreements, contracts or other materials for loan purposes; (4) Guarantee materials: ownership certificate and list of collateral or pledges, and the person with the right to dispose of them Proof of agreeing to the mortgage (pledge), the valuation report of the mortgage (pledge) issued by an appraisal department recognized by the Bank.