Apply for a guarantee

Second, how do newly graduated college students get loans?

1. Applying for a business start-up loan mainly meets the following conditions:

1 Legal and valid identity certificate and legal residence certificate of the place where the loan bank is located, with a fixed residence or business premises.

2) The lender needs to hold a business license, engage in legal production and business activities, and have a stable income and the ability to repay the principal and interest.

3) The purpose of the loan conforms to national laws and bank credit policies and regulations.

4), investment projects, there is a certain amount of free funds. Account, future operating income through bank settlement, etc.

2. Application steps:

1). After meeting the application conditions for venture loan, the applicant applies to the Personnel Bureau with relevant materials. After passing the preliminary examination, the Personnel Bureau will issue a recommendation form and evaluate the applicant's entrepreneurial ability.

2) After the preliminary examination is passed, the local personnel bureau will review the applicant and submit it to the local guarantee institution. With the above information provided by the guarantee institution, you can sign an agreement to handle the loan when you arrive at the bank.

Application slip

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.

3. The loan applicant must have a fixed residence or business premises.

4. Business license and business license, stable income and ability to repay principal and interest.

5. Projects invested by entrepreneurs

Third, how to get a loan just after graduation?

Legal analysis: college students can get bank loans as long as they meet the following conditions: 1, identity certificate and business place. The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities. 2. The funds prove that the loan applicant has certain self-owned funds for the investment project. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. 3. Settlement Account The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity. 4. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans. Legal basis: Article 679 of People's Republic of China (PRC) Civil Law states that a loan contract between natural persons is established when the lender provides the loan. Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. Derivative question: What are the conditions of college students' bank loans? 1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate; 2. Have a stable legal income and proof, and have the ability to repay interest; 3. When the loan business needs a down payment, it has the ability to pay the full down payment; 4. If the personal loan amount is large, the collateral conditions required by the bank shall be met; 5, such as credit loans, need to have a good reputation; 6. Other conditions meeting the requirements of the bank.