1. You can apply for small secured loans and discount support: you can apply for small secured loans in the entrepreneurial place according to regulations; Engaged in low-profit projects, can enjoy financial discount support, the loan amount does not exceed 65438+ ten thousand yuan; For partnerships and organized employment, the loan amount may be appropriately increased according to actual needs.

Second, the conditions of interest-free 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. The loan applicant must have a fixed residence or business premises;

4. Business license and business license, stable income and ability to repay principal and interest;

5. The projects invested by entrepreneurs have certain self-owned funds.

Three, interest-free loan preparation materials:

1, identification;

2. Graduates need to provide graduation certificates and degree certificates;

3, the past 6 months commonly used passbook or bank card reconciliation list;

4. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.

5. Check whether students have bad criminal records.

Extended data:

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

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