With regard to small secured loans, the loan targets are the following persons who are self-employed and have insufficient funds for starting their own businesses more than three years away from the statutory retirement age: 1. Holders of the "Re-employment Concession Card" issued by the labor and social security departments; 2. Demobilized urban veterans; 3. Registered unemployed persons in other cities and towns who hold unemployment registration certificates issued by labor and employment service agencies (with unemployment certificates or unemployment insurance manuals); 4. Small labor-intensive enterprises that meet the loan conditions. Any other loan needs to apply for a mortgage loan from the bank, and the bank will evaluate your collateral and finally determine the loan amount.

Second, how to borrow the qualification certificate for college students' entrepreneurship?

1, unemployed for more than 6 months after graduation, registered in the local labor and social security department.

2. College degree or above

Application process:

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days.

Third, how do graduates apply for venture loans

College students who started their own businesses just after graduation are rather ignorant. Maybe I don't know much about commercial loans. The following is an article I compiled for you about how graduates apply for venture loans.

How to apply for college students' business loan, and the process of business loan?

0 1. Confirm the start-up capital (about 40,000 yuan) and the guarantor, and finalize the capital.

02. The loan applicant submits a written application (loan application and business plan) to the community labor and social security service station where he lives, and the community labor and social security service station accepts it according to the relevant policies, and investigates the relevant operation and credit status. Find out the information and documents you need.

03. Confirm whether the community labor security service station has the consent intention, if so, rent the facade and sign the lease contract (ask for a copy of the real estate license); Transfer accounts, apply for employment unemployment registration certificate and self-employment certificate; Apply for business license, tax registration certificate and health permit.

04. Contact the community labor and social security service station and provide it with business license, tax registration certificate, employment and unemployment registration certificate and other documents. The community labor and social security service station issues relevant forms, and the loan applicant fills in and completes the declaration and registration.

05. After the first trial in the community, the loan applicant will bring relevant materials to the Municipal Bureau of Labor and Employment for review and return them to the community labor and social security service station. The community labor security service station will file the household registration book, ID card, business license, tax registration certificate, employment unemployment registration certificate and other materials of the loan applicant and submit them to the District Labor and Employment Bureau.

06. The District Bureau of Labor and Employment will collect and review relevant data and report to the Municipal Bureau of Labor and Employment and the Municipal Guarantee Company on a regular basis. The municipal guarantee company, the Municipal Finance Bureau and the Municipal Employment Bureau shall organize relevant personnel to verify the application materials and business conditions, and notify the community labor security service station where the loan applicant is located after confirming the loan amount.

07. The community labor and social security service station informs the loan applicant to receive the financial discount form at the small secured loan window of the municipal human resources market, and go through the discount formalities at the Municipal Finance Bureau for review. The loan applicant shall go through the relevant loan and counter-guarantee procedures in the human resources market window of the city. City commercial banks issue loans to loan applicants according to the notice of city guarantee companies. (If the loan applicant is guaranteed by a credit union or a civil servant, he can apply for registration in the local community, and go directly to the small-sum secured loan window of the human resources market to go through the formalities of small-sum secured loans, and be exempted from the counter-guarantee procedures. )

20 15 how do college students apply for business loans?

It is understood that college students must meet certain conditions when applying for business loans, generally: they must have a bachelor's degree or above; Unemployed for more than 6 months after graduation, and registered in the local labor and social security department; Must have a fixed residence or business premises; Business license and business license, stable income and debt service ability; The projects invested by entrepreneurs already have their own funds.

Eligible college students can apply for entrepreneurial loans, and the materials they need to provide mainly include: proof of marital status, personal or family income, property status and other proof of repayment ability; 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.

Application procedure

1. Please consult the Banking Department for matters related to college students' business application for loans;

2. The procedures for obtaining a business license are as follows:

(1) Get the registration form from the registration hall of the Municipal Administration for Industry and Commerce and the industrial and commercial bureaus of counties and districts.

(2) Apply to the registration authority for pre-approval and registration of the company name;

(3) Fill in the company registration form and submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.

4. How do fresh graduates in Jiangsu Province apply for venture loans? Urgent! ! !

There are more wolves than meat! I was exhausted and my hair turned white when I applied. It's not a blow, it's just a political slogan. But if you are registered in Shanghai. There is a 1% chance. Find another way, brother. Start your own business and accumulate experience until you are 120% sure. You can borrow money. The best preparation. The more detailed you write, the better. You may find investors.