Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide small loans for college graduates who start their own businesses. In the process of loan, simplify procedures to facilitate account opening and settlement. The loan amount is about 50,000 yuan. ?
The longest loan period is two years. If it is determined that it is necessary to extend the loan term after maturity, you can apply for an extension. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the guarantee period is the same as the loan period.
If college graduates want to start their own businesses within two years after graduation, they need to apply for a business license at the industrial and commercial department where the entrepreneurial entity is located. If the registered capital (capital) is less than 500,000 yuan, it can be put in place by stages. The capital in place in the first phase shall not be less than 65,438+00% of the registered capital (the contribution shall not be less than 30,000 yuan). If the paid-in registered capital is increased to more than 50% in 65,438+0 years, the balance can be put in place by stages within 3 years.
If the family members of entrepreneurial college students have stable income or effective assets to provide corresponding joint and several guarantees, and have a good reputation and guaranteed repayment, they can appropriately increase the issuance of credit loans on the basis of controllable risks and enjoy preferential low interest rates.
Loan repayment method:
1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall 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. Specific preferential policies can be consulted with the local government.
College students' entrepreneurial loan process:
The process of college students' entrepreneurial loan is divided into three parts: pledge, mortgage and guarantee.
Loan application materials:
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, relevant agreements, contracts and guarantee materials for loan purposes, ownership certificates and lists involving collateral or pledge, and mortgage (pledge) appraisal reports issued by appraisal departments recognized by banks.
Time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, and qualified guarantor guarantee. The payment amount is determined according to the specific guarantee method.
Reference to the above content: Baidu Encyclopedia-College Students' Entrepreneurship