The interest-free policies related to college students' self-employment loans are as follows: 1. Application conditions for college students' entrepreneurship loans: 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 term: the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1 ~ 2 years. No longer enjoy financial discount after 2 years. Third, loan methods: the micro-loan methods for college graduates to start their own businesses are guarantee and mortgage (pledge) loans. Four, the specific operation method can be consulted to 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. V. Application Materials When applying for such loans, three points are more important: First, 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. Under normal circumstances, the amount of venture loan shall not exceed 70% of the total amount of funds 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. Seven. Loan repayment method: 1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid at the maturity, and the benefits will be paid off with the principal; 2. 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. Eight. Tax Exemption Policy College graduates (including junior college students, undergraduates and postgraduates) who are engaged in self-employment shall be exempted from self-employment registration fee, self-employment management fee and demonstration text cost of economic contract within 1 year from the date when the enterprise is approved to start business. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. The specific preferential policies depend on your local government. (Source: China's leading online lending platform Easy Loan China ()) Easy Loan China Loan Fraud Prevention Keep in mind: In fact, the trick of the liar is very simple, which can be summarized as: (1) The loan requirement is extremely low, no mortgage is required, and there are no other requirements. It can be said that you can get a loan if you want. (2) I dare not disclose the name of my company, I can't provide the company's business license or the company has no investment scope, I can't provide formal contract texts and invoices, and I won't even give you a landline. You only know the other person's cell phone, but you can't even see the other person's face. (3) Before the loan arrives, you should charge your so-called travel expenses, interest, handling fees, attorney fees, etc. Anyway, it means asking for money. After you get it, you won't be treated again. Check loan fraud and report loan fraudsters. For more details, please pay attention to Easy Loan China Liar Exposure Desk! 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