(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;

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

Application materials for college students' entrepreneurial loans

(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;

(2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.

Are there any interest-free loan applications and preferential policies for starting a business?

Interest-free loans are not given casually by the government. It depends on local policies and your business. If it can bring tax revenue and employment to the local government, it is also a green project. You just have to work hard or have some connections.

Interest-free loan Your local government gives you a certificate that you can go to a designated bank for a loan.

When applying for loans, college students' entrepreneurs have to go through street approval, review and recommendation by the Labor and Social Security Bureau, and finally bank approval. If anything fails, the loan will be ruined. But the biggest premise is that the applicant must be a college graduate.

The specific operation should be like this: have an idea, write a good plan and make it as perfect as possible. The street office will give you a certificate and consult the local labor and employment guidance center and commercial bank. You may have to run a lot of places at the same time. How much depends on the place and your ability, generally 2 W-5 W-5 W.

College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 65,438+00% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital will increase to more than 50% within 65,438+0 years, and the balance can be put in place by stages within 3 years.