1. What are the ways for college students in Changsha to apply for business loans?

you can apply for a business loan. At present, there are three main ways: (1) Individuals (including partnerships) who start their own businesses in Changsha (including six districts, three counties and cities) can apply for small secured loans for the part with insufficient self-raised funds; (2) The Communist Youth League Committee, the Municipal Pioneering Office, the Pilot Sub-branch of Changsha Bank and Yuelu District SME Credit Guarantee Co., Ltd. * * jointly set up the Changsha Pioneering Youth Financial Service Center, and set aside 3 million yuan of special loan funds from the Pilot Sub-branch of Changsha Bank every year to support Changsha youth entrepreneurship, and loans can be made in the form of joint guarantee; (3) The Postal Savings Bank has set up a business, which can be borrowed in the form of mortgage loan and joint guarantee.

second, how to borrow the youth entrepreneurship loan of the Postal Savings Bank

I suggest that you can log on to the online bank of the Postal Bank or consult with the local postal bank. The following is what I know, depending on your own specific situation.

Bengbu City Loan Network is the first loan information platform, the first loan publicity platform and the first loan intermediary platform in Bengbu. Welcome to Bengbu Tongcheng Loan Network. Address: Floor 2, Pearl Community Property, Donghai Avenue, bengshan district, Bengbu.

loan amount:

the maximum loan amount can reach RMB 5 million, which is subject to the regulations of the local postal branch;

the maximum revolving credit line is implemented, and it can be repaid with the loan and used repeatedly within the limit.

loan term:

The longest revolving credit term is 5 years. During the revolving credit term, the business activities are normal, and the use of the funds meets the conditions of the lending bank, so you can apply for loans for multiple times;

the maximum term of each loan is 5 years.

Loan interest rate:

The benchmark interest rate of commercial loans of the People's Bank of China fluctuates appropriately.

repayment method:

1. Matching principal and interest

Repay the loan principal and interest with the same amount every month within the loan term.

2. Matching principal and interest in stages

During a certain grace period, only the loan interest will be repaid, and the principal will not be returned. After the grace period, the loan will be repaid according to the matching principal and interest repayment method;

3. Repay the principal and interest in one lump sum

Repay the loan principal and interest in one lump sum when due;

loan guarantee:

mortgage guarantee is mainly based on real estate, including personal housing and commercial housing, as well as other collateral required by Postal Savings Bank.

Processing channel:

You can apply online at the local Postal Savings Bank which provides personal business loan services with credit lines or log on to the online bank.

Processing time limit:

Approval opinions will be issued within 7 working days at the earliest. Please consult the local postal branch for details.

Handling process:

Application → field investigation → examination and approval → signing of contract → implementation of guarantee conditions → effective quota → withdrawal

Application materials:

Materials to be submitted when applying for personal business loan with quota:

1. Application form for personal business loan quota;

2. The original and photocopy of the valid identity documents of the borrower and his spouse;

3. The borrower's household registration book and proof materials of residence for one year;

4. Legal production and operation procedures. Such as: the original business license and tax registration certificate that have passed the annual inspection; Engaged in special industries, should provide the original and copy of the business license of the relevant administrative departments; If it is a limited liability company or partnership, it is also necessary to provide the organization code certificate, the original and copy of the articles of association;

5. Original and photocopy of the property right certificate (or lease contract and agreement) of the business premises;

6. If the mortgage of real estate is involved, the originals of real estate license, land use right certificate and * * * ownership certificate, and the original and photocopy of the ID card of the mortgagor and spouse shall be provided;

7. Personal settlement account you opened in the Postal Savings Bank;

8. Other materials required for handling the loan.

Third, how to borrow the youth entrepreneurship loan of the Postal Savings Bank

Hello, the farmers of the Postal Savings Bank are loans for rural planting, breeding and other production and business purposes. The borrower must be married, and the family members have more than two laborers, aged between 18 and 6 years old, have local hukou or have lived in the local area for more than one year, and have more than one year of planting and breeding experience. At the same time, one or two natural persons are required to provide guarantees. Guarantors require people with stable income, such as national civil servants, teachers and doctors, or form a joint guarantee team of 3 to 5 households. If all the conditions are met, the maximum loan amount can be less than 5, yuan. Merchants of Postal Savings Bank are used for business and turnover of merchants and small business owners. Borrowers are required to have a business license, have been operating normally for more than half a year, be aged between 18 and 6, have a local hukou or have lived in the local area for more than one year, and need to provide one or two natural persons as guarantors. The guarantors are people with stable income such as national civil servants, teachers and doctors, or form three joint guarantee groups. If all the conditions are met, the maximum guarantee can be. Business loan: it is required to have a business license to operate normally for more than one year, and at the same time, there is a real estate mortgage; Personal comprehensive consumption loan: it needs to be mortgaged with the house owned by the borrower; Personal housing loan: the main guarantee is the housing purchased by the borrower, the age of which is not more than the fixed number of years specified by the local postal savings bank, and the mortgage registration can be handled in the local housing management department; Personal commercial housing loan: secured by the mortgage of the purchased house.

4. How long does it take to approve the postal venture loan?

generally, the business start-up loan of postal bank is released about one month after application.

after applying for the loan, the loan information submitted must be approved by the postal bank, and it will take about 3 working days to complete it.