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 Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.

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.

Five. Application material

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.

You can consult the number of the bank online. In order to support college students to start their own businesses, they launched the product of creating a bank loan number, which looks quite good. You can consult and see what the specific process of the loan is.