A long time ago, the state began to support college students' entrepreneurship. In order to encourage and support college students' entrepreneurship, many policies have been introduced, such as college students' entrepreneurship loans. How do college students apply for professional loans when starting a business? Next, I'll introduce the loan conditions and procedures, and I'll show you around.
Is it easy to approve college students' entrepreneurial loans?
As the name implies, college students' entrepreneurship loan is an unsecured credit loan for college students to start their own businesses. However, in order to apply, college students need to meet the following conditions for applying for college students' entrepreneurial loans:
1. First of all, you must be at least 18 years old, you must also have a valid ID card and proof of legal residence address, and you must also provide a fixed business place;
2. The applicant must have a business license and a business license of related industries, and have a stable income and the ability to repay the principal and interest;
3. Applicants need to have their own funds for investment projects, and the use of venture loans conforms to state regulations.
The process of college students' entrepreneurship loan is as follows:
1, bring the information needed for the loan to the Municipal Personnel Bureau for application;
2, the Municipal Personnel Bureau to review the information submitted, to assess whether it is eligible for loans;
3, issue a recommendation form, and submit it to the county or city guarantee institutions for review;
4, by the handling bank and guarantee institutions to assess the loan qualification;
5. Upon approval, both parties sign a guarantee contract and a loan contract with the lender;
6. Then the handling bank and the guarantee institution will review the loan project together. Generally, after the loan is approved, both parties will sign a guarantee contract and a loan contract with the lender. Finally, they will wait patiently for the loan.
As far as I know, there are two kinds of applications for college students' entrepreneurial loans: application for study and application after graduation. The application for studying abroad requires a guarantor. There are three main ways for college students to apply for venture loans: one is to apply to banks, the other is to apply for discount loans from small and medium-sized science and technology enterprises, and the third is to guarantee loans with new technological achievements or intellectual property rights and patents.
Application and process of college students' entrepreneurial loan conditions
College students' entrepreneurship is an entrepreneurial process with college students and graduates as the main body of entrepreneurship. College students can realize their ideals and prove their value through successful entrepreneurship. When college students lack venture capital, they need loans. What are the conditions for college students to start a business loan? The following are the application conditions and procedures for college students' entrepreneurial loans that I have compiled. Welcome to read!
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Conditions for applying for business start-up loans
1. Applicant 18 years of age or older, holding a second-generation resident ID card, can provide a stable business place;
2. The applicant must have a business license and a business license of related industries, and have a stable income and the ability to repay the principal and interest;
3, need to have a certain amount of venture capital, and the use of venture loans in line with the relevant provisions of the state.
Application process of risk loan
Eligible friends can prepare the Approval Form for Self-employment of College Graduates and other related documents, and follow the following steps:
1. Bring relevant information to the local personnel bureau for application, and the personnel bureau will review the information you provided first;
2. After the approval, the Personnel Bureau will issue a recommendation form, and then submit it to the district/county or municipal guarantee institution for approval;
What are the application procedures for college students' entrepreneurial loans?
We know that the income of college students' entrepreneurship is still very good, so this is also the reason why many college students want to start their own businesses. On the one hand, they can exercise themselves. On the other hand, welfare subsidies are really attractive. Do you know what the application process of college students' business loan is? Let me give you an answer. I hope I can help you. Welcome to read!
1 What are the application processes for college students' business start-up loans?
I. Application conditions
1. Applicants for college students' entrepreneurial loans must be college graduates, either fresh graduates or those with a graduation period of less than two years;
2. The applicant has a college degree or above, and can be a junior college student, undergraduate student, graduate student or doctoral student;
3. The applicant is at least 18 years old.
Generally speaking, the application conditions seem low, but the audit of entrepreneurial projects is the most important, so entrepreneurs must make a reasonable project introduction to their entrepreneurial projects.
Second, the application process
1, apply. The applicant applies for a loan to the management service center of the College Students Pioneer Park, and submits the loan application materials as required;
2. First instance. The management service center of college students' pioneer park conducts preliminary examination according to the materials submitted by the applicant;
3. retrial. For the borrower who has passed the preliminary examination, the Personnel Bureau shall, jointly with the relevant departments of the Finance Bureau, make a thorough investigation of the borrower's entrepreneurial project, including the development direction, project scale (number of people, registered capital, profit, etc.). ), and make a discount decision according to the understanding;
4. publicity. The Personnel Bureau publicizes the information passed by the applicant, which consists of the borrower's information and the preferential amount, and the publicity period is five days;
5. recognition. If the borrower has no objection during the publicity period, the Personnel Bureau will issue a notice of approval;
6. loans. The Finance Bureau makes a loan decision according to the approval notice of the Personnel Bureau, and after receiving the borrower's interest payment voucher, allocates funds from the special loan for college students' entrepreneurship.
2 conditions for college students to apply for business loans
1, college degree or above;
2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;
3. When applying for this kind of loan, 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.
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.
3 requirements for the duration and amount of college students' entrepreneurial loans
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.
Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity 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.
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★ What are the conditions for college students to start a business loan-application conditions and procedures
★ You should know these points about the process of college students' entrepreneurial loans.
★ Handling college students' entrepreneurial loans-the most complete application process for college students' entrepreneurial loans.
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★ What are the preferential policies and application requirements for college students' entrepreneurial loans?
How to get loans for university entrepreneurship?
College students' entrepreneurial loan process:
Step 1: Apply. Graduates apply to the Municipal Personnel Bureau with all kinds of materials;
The second step: preliminary examination. The Municipal Personnel Bureau is responsible for the pre-loan review of small loans, examining whether graduates meet the loan conditions, and whether the loan application project belongs to the small loan financial discount and meager profit project, and issuing a recommendation form. At the same time, evaluate the entrepreneurial ability of graduates applying for small secured loans;
Step 3: Review. County (city) personnel bureau review, submitted to the county (city) guarantee institutions audit;
Step 4: Guarantee. The guarantee institution shall review the loan applicant's guarantee application and the counter-guarantee measures provided;
Step 5: Recognition. By the handling bank in conjunction with the county (city) personnel bureau and guarantee institutions, to review the loan project, responsible for the final approval of the loan application. If the loan is approved after examination and approval, the handling bank shall sign a guarantee contract with the guarantee institution and a loan contract with the loan applicant;
Step 6: borrow money. College graduates (including junior college students, undergraduates and graduate students) engaged in self-employment are exempted from self-employment registration fees, self-employment management fees, and economic contract demonstration text cost. Within 1 year from the date of approval of operation. 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.