Basic conditions for applying for college students' entrepreneurial loans:
1. College students studying or graduating within two years;
2. College degree or above;
3. 18 years old and above;
4. No bad credit record;
5. Loans cannot be used for stock trading or gambling.
The specific application conditions of different banks are different. Some banks also need business licenses and business licenses, or the projects invested by entrepreneurs are green and can be handed over to local governments. . . Bring in taxes or promote employment.
The loan term is generally 2 years, and no later than 3 years.
College students can apply for entrepreneurial loans within a few years after graduation.
College students can still apply for business loans after graduation. College students who start their own businesses within two years after graduation can apply for college students' entrepreneurship loans. After two years, he can still apply for a business loan, but not as a college student. There will be government subsidies for college students to apply for business start-up loans, so if you want to apply for business start-up loans after graduation, please try to complete the application within 2 years.
As for more than 2 years, users have also applied for business loans, but at this time there is no government subsidy, and users need to pay corresponding interest.
Those who meet the application conditions for college students' entrepreneurial loans may apply for:
College degree or above;
Unemployed for more than 6 months after graduation, and registered in the local labor and social security department;
When applying for such loans, three points are more important:
First of all, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay 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 at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; 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, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
Loan term and amount requirements
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1 ~ 2 years, after which they will no longer enjoy financial interest subsidies.
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.
Loan repayment method
For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid in one lump sum, and the benefits will be paid off with the principal;
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 can be adopted. The relevant preferential policies depend on your local government.
Can college students who have graduated for two years still enjoy entrepreneurial loans?
College students who have graduated for two years can enjoy entrepreneurial loans.
Encouraged by national policies, there are more and more flexible employment forms for college graduates, and self-employment is a good employment form. Chongqing also provides preferential policies for college graduates to start businesses. College graduates who apply for self-employment can enjoy small loans with financial discount. The brief content is as follows.
First, the application conditions:
1, college degree or above;
2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.
Second, the loan period:
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1 ~ 2 years, after which they will no longer enjoy financial interest subsidies.
Three. Loan method:
Small loans for college graduates to start their own businesses are secured by mortgage.
Four. Relevant explanation
The specific operation method can be consulted with the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
Verb (abbreviation of verb) related content
College students' entrepreneurship is interest-free for 3 years. Information: Copy of ID card and student ID card.
Loan amount:1-50000; Loan term: 1-5 years; Loan interest rate: the monthly interest rate is one percent (1%).
Graduation certificate, school employment office certificate, file, go to the talent center in your city and put the file down, then fill out a self-employment form, just stamp it by the personnel bureau, and then apply to the bank.
Application conditions for college students' entrepreneurial loans
Application conditions for college students' entrepreneurial loans: 1. Application conditions: 1, unemployed for more than 6 months after graduation, registered as unemployed in the local labor and social security department. 2. College degree or above. Second, the loan method: the micro-loan method for college graduates to start their own businesses is guarantee and mortgage (pledge) loan. Third, the loan term: the small-scale entrepreneurial 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. Fourth, explain the specific operation methods. Online message for college students' entrepreneurship network consultation. Other college students' entrepreneurship policy is 1, and those who are engaged in self-employment are exempted from administrative fees for industrial and commercial registration management within 1 year. 2. Self-employment: Self-employment can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
Notice on Carrying out One-time Entrepreneurship Subsidy 1. The subsidy object of one-time entrepreneurship subsidy in this Municipality is enterprises or individual industrial and commercial households (hereinafter referred to as entrepreneurial organizations) founded by the following persons for the first time in this Municipality. (1) The following persons registered in this Municipality. 1. University graduates in the year of graduation and within two years. Refers to the graduates of vocational education from ordinary colleges and universities, technician colleges, preparatory technician classes and special education colleges who started their own businesses in the same year and within two years. 2. Register the unemployed. Refers to those who have registered for unemployment in the public employment service department. 3. Retired soldiers. Refers to the retired soldiers who started their own businesses within one year after being approved to retire from active service. 4 social welfare employment organizations "supporting" resettlement personnel. Refers to the personnel who establish labor relations with social welfare employment organizations in this Municipality and enjoy public welfare post subsidies. 5. Report the enterprise to divert employees. Refers to the employees who need to be diverted from enterprises that have implemented major adjustment and reform measures such as resolving excess capacity and relocation within the city in accordance with the relevant provisions of the state and this Municipality, and have been filed with the human resources and social security departments. 6. Rural labor force. Refers to the labor force with agricultural household registration.