It is recommended to consult the labor and social security bureau where the business is started. Don't mislead others if you don't understand the national policy. In 2009, the corresponding policy of "exemption from loans and subsidies" was introduced, but the neighboring Guizhou did not even provide small guarantees upstairs, and the scope of loans was extended to groups other than employees, which interested banks. Entrepreneurship loans are generally handled at the place of entrepreneurship. In 2005, small secured loans were granted to laid-off workers, but the state has issued relevant policies to encourage entrepreneurship and promote employment. Yunnan, for example, is doing very well. In some places, national policies are not necessarily implemented seriously, and interest is only government subsidies. Because if you apply in a different place, it is impossible for banks and contractors to review your entrepreneurial projects all the way! College students' entrepreneurial loans are interest-free relative to entrepreneurs themselves.

Second, 20 15 how do college students apply for interest-free loans when starting a business?

The application process must be complicated, because it is not the policy of other departments for college students to start their own businesses. Since it is a national policy for college students to start their own businesses, it is definitely different from lending directly to banks. Find more knowledgeable people and ask more questions. I have seen several college students painting on the wall with molds before, as if the painting was developed in the background. At that time, I felt that such a painting would definitely be popular in the future and have a good prospect. Thank you. I just searched their website. This mural is really beautiful. Is the actual effect really so beautiful? I'll go and have a look in a few days.

Third, how do young entrepreneurs apply for interest-free loans

Conditions for bank interest-free loans:

1, age 18 to 45 years old, China citizen with full capacity for civil conduct;

2. Proof of fixed residence and business premises. 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.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. 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.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, 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.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. 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 help them get loans smoothly.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.

Every bank has different conditions for interest-free loans, but the above items need to be met, and then there will be more procedures. Everyone must prepare all the information before lending money, so as not to waste time running back and forth.

Fourth, the interest-free conditions for college students to start a business are 65438+ 10,000 yuan?

1, the application must be at least 18 years old, hold valid identity documents and have a fixed residence;

2. The applicant must be a college student or a college graduate who graduated less than two years ago, with a college degree or above;

3. Before starting a business, the applicant needs to have its own funds to support entrepreneurial activities;

4. Before applying for a loan, the applicant must obtain an industrial and commercial business license in advance, and the project will operate normally for at least half a year;

5. Applicants need to provide certain guarantees, such as a third-party person or institution with repayment ability;

6, the use of loans must comply with laws and regulations and related assistance policies;

7. Open a repayment account in a loan bank and accept bank supervision.