First, you must have registered with the local labor and social security department for unemployment. If you plan to engage in self-employment or small business, you can apply for a small secured loan.

The relevant provisions are as follows: the amount of the loan applied for is 20,000 yuan to 50,000 yuan; In the case of partnership, the maximum is 6.5438+10,000 yuan, calculated at 20,000 yuan per person. The loan term is generally 1 year, and the longest is no more than 2 years. You can renew it when it expires. After the loan expires, graduates who repay the loan on schedule and meet the prescribed conditions can apply for loan discount directly to the county (city) and district employment management service agencies, and after examination, the financial department will give 50% discount.

Graduates applying for small secured loans should apply to the social security agency in the street (township) where their household registration is located for loan qualification identification, fill in the qualification identification form for small secured loans, and provide their ID card and photocopy, household registration book and photocopy, unemployment registration certificate and photocopy, feasibility and benefit evaluation report of entrepreneurial projects, relevant collateral and third-party guarantee certificate and other credentials.

Due to different local policies, it is recommended to consult the local labor bureau.

For more information about preferential policies for starting a business, the landlord can go to China University Student Entrepreneurship Policy Network (www.zdcy8.cn) to have a look. The national preferential policies section is aimed at various regions, but if you don't know, you won't put it forward, so it will be regarded as your suggestion to give up this right automatically.

Second, how to apply for a female entrepreneurship loan

Processing flow of women's entrepreneurship loan:

1. Loan declaration: The applicant submits a written application to the township (community) women's federation organization where he lives, fills in the Application Form for Women's Small Guaranteed Loan, which is endorsed by the township (community) women's federation organization and submitted to the district women's federation for examination and approval, and then sent to the district labor and social security bureau for examination and approval.

2. Loan review: The District Labor and Social Security Bureau will submit the application for women's small secured loans to the District SME Credit Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) for review, and issue a letter of intent for guarantee to the credit cooperatives designated by the District Credit Union, which will accept the application for secured loans and verify the application materials according to the loan procedures.

3. Loan issuance: If the loan is approved by the guarantee company and approved by the credit cooperative, the credit cooperative will sign a loan contract and a guarantee contract with the lender and the guarantee company, go through the specific loan issuance procedures, and deposit the loan amount into the personal settlement account opened by the lender in the loan credit cooperative. If there is any objection after the loan credit cooperatives verify the loan, they shall promptly notify the lender.

Prepare information:

1. Hold my household registration book, ID card, re-employment concession card or employment unemployment card, graduation certificate of higher or secondary institutions, commendation certificate of women's federations at all levels, entrepreneurship certificate issued by the community (village committee), original and photocopy of vocational skills, science and technology or entrepreneurship training, detailed home address description, etc.

2. Apply for small secured loans for women;

3. The original and photocopy of the business license issued by the administrative department for industry and commerce that has passed the annual inspection;

4. The original and photocopy of the tax registration certificate that the applicant has passed the annual examination;

5. Original and photocopy of the business place certificate;

6. Effective information and feasibility report of the loan project;

7. Other relevant materials that credit cooperatives think need to be provided.

Tips: Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and various credit institutions. The types of loans are personal loans, auto loans, housing loans, provident fund loans, consumer loans and credit loans. 20 13 specific positioning of the latest loan interest rate:

Short-term loans for six months to one year are:

1. 180 days (inclusive) 5.6%; 2. 180 days to 365 days (inclusive) 6%.

The medium and long-term loan interest rate for one year to five years or more is:

One to three years (inclusive) 6.15%; 2. Three to five years (inclusive) 6.4%; 3. More than five years, 6.55%. In response to the national call for personal credit reporting, users are advised to abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.

Third, how to apply for a business loan.

1, first search into the human resources and social security department of this province, and find the window of employment and unemployment. 2. Click to enter employment and unemployment, and then drag the following web page to find the business loan. 3. The following is the detailed information of the loan, and the support targets are (1) eligible registered unemployed people in cities and towns of the whole province, (2) people with employment difficulties (including the disabled), (3) retired soldiers, (4) released prisoners, (5) college graduates (including university student village officials and returned overseas students), (6) employees and unemployed people in enterprises with excess capacity, (6). For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. 5. The term of the venture loan is generally 1 year, and the longest is no more than 3 years. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government. Need to provide proof of identity and business premises, proof of funds, relevant account books, settlement accounts and loan guarantees.