Nowadays, college students are facing great pressure, not in the previous era, when college students were scarce and easy to find jobs; Now college students are everywhere, undergraduates are everywhere, and graduate students are everywhere! In today's highly educated and stressful society, many people also have some problems in their work!
It is hard to find a job!
Today, if some college students have gone out to work in the summer vacation, we all know that it is difficult for college students to find summer jobs unless they enter some electronic factories, but which college student is willing to work as such cheap labor? In my opinion, in many factories, the working hours are long, the personnel are mixed and the work content is relatively simple, but in the long run, they all need to repeat a job, which will make people's minds empty and their thinking slow down!
Almost all college students are cheap laborers who work in the summer. For example, I work in a counseling institution, and my salary is about 2000 yuan for almost 40 days. However, because I didn't think carefully when signing the contract, I signed the overlord contract! We were in charge of the enrollment of remedial classes in the early stage and served as the teacher of remedial classes in the later stage, but the salary was only about 2000 yuan, which was cheap!
College students can apply for college students' entrepreneurial loans!
Many college students are confused for a long time after finishing their studies and can't find their favorite jobs, which leads to long-term neglect at home and loss of confidence in life! In order to encourage more college students to innovate, the state has set up this loan project!
If college students don't find a job within six months after graduating from college, they can apply for college students' entrepreneurship allowance, but this requires them to have a fixed residence and the ability to repay interest, and they also need a business license! The interest on this venture subsidy is definitely much lower than the interest on borrowing money from outside! So now great changes have taken place in national policies, mostly for the country and the people! The country is getting better and better, and college students are getting more and more attention. I feel very happy and gratified!
Can China Agricultural Bank provide loan service for fresh graduates?
Agricultural Bank of China can provide loan services for fresh graduates.
Banks that handle college students' entrepreneurial loans need to consult the local labor department. Cooperative banks in different regions are different. Some cooperative banks are Agricultural Bank of China, while others are other banks.
China Agricultural Bank's loan conditions for college students.
1. The applicant is between 18 and 65 years old, with full capacity for civil conduct and stable residence.
2. The applicant's personal credit is good, and the applicant and his family have repayment ability.
3. The applicant holds a valid identity document.
4. The Agricultural Bank recognizes the guarantee method provided by the applicant.
5. The applicant agrees to other conditions required by the Agricultural Bank.
After college graduates' housing loans are issued, lenders can issue bank cards to borrowers to handle comprehensive wealth management services such as deposits, loans, consumption, collection and payment, which is conducive to promoting the development of intermediary business of ABC and fully tapping the value-added benefits of personal housing loans.
In order to prevent risks, ABC will strengthen the investigation on the borrower's conduct, self-motivation and work performance during the pre-lending investigation, and investigate the development prospects of the borrower's industry; Follow-up surveys will be conducted regularly after the loan.
Can fresh graduates get loans?
China Bank is an "ideal home" for college graduates' entrepreneurial loans? "Entrepreneurial treasure" is a small secured loan for college graduates, which refers to the loans issued by lenders to encourage unemployed college graduates with certain entrepreneurial ability to start businesses.
First, the loan object
Unemployed college graduates within the legal working age, with full capacity for civil conduct, good health, honesty and trustworthiness, entrepreneurial desire and entrepreneurial conditions. The term "college graduates" as mentioned in these Measures refers to college graduates who have not been employed for five years and have obtained college diploma or above issued by full-time colleges and universities recognized by the state, and also applies to students with special skills. On the original basis, it will be extended to college graduates (including college student village officials and returned overseas students).
Second, the borrower's conditions
(1) A natural person with full capacity for civil conduct;
(2) Having local permanent residence and permanent residence;
(3) Hold a valid resident ID card, have a diploma of junior college or above issued by a full-time ordinary college recognized by the state, and provide a personal file filing certificate issued by an archiving institution and a certificate of employment and unemployment registration issued by the local labor and social security department. ; The partnership enterprise shall also provide a cooperation agreement or articles of association;
(4) Proof of the business scope and ownership of the business premises;
(5) Being able to provide effective guarantee recognized by the bank;
(6) Your self-raised funds shall not be less than 30%;
(7) Other conditions stipulated by the lender.
Three. The information submitted is as follows:
(1) Where a guarantee institution is adopted, the following materials shall be submitted:
(1) Original and photocopy of your valid ID card (including but not limited to ID card or household registration book, etc.). );
(2) Unemployed college graduates provide the original and photocopy of the Graduation Certificate and the Employment Unemployment Registration Certificate issued by the local labor and social security department; The partnership enterprise shall also provide a cooperation agreement or articles of association;
(3) The original and photocopy of the industrial and commercial business license or business license;
(4) A loan application, including the loan amount, loan term, loan purpose, repayment method, repayment source and other main contents;
5] community recommendation, labor and social security departments to investigate the first review opinions;
[6] The loan guarantee institution reviews and promises to provide written guarantee documents of irrevocable joint and several liability guarantee;
(7) The opinions and materials provided by the labor and social security department for the examination and confirmation of meager profit projects (applicable to loans for meager profit projects guaranteed by guarantee institutions and subsidized by finance);
As your self-financing document;
(9) Your personal credit report;
⑽ Other documents or materials required by the handling bank.
(two) natural person guarantee and mortgage (pledge) guarantee, submit the following information:
(1) Original and photocopy of resident ID card or household registration book;
(2) Students with special expertise should provide school certificates, and unemployed college graduates should provide the original and photocopy of graduation certificate and employment unemployment registration certificate issued by the local labor and social security department; The partnership enterprise shall also provide a cooperation agreement or articles of association;
(3) The original and photocopy of the industrial and commercial business license or business license;
(4) A loan application, including the loan amount, loan term, loan purpose, repayment method, repayment source and other main contents;
5] Self-operated project plan;
Your self-financing documents;
Once your personal credit report;
Other documents or materials required by the handling bank. As there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
Conditions for new graduates to start a business loan.
College degree or above; Unemployed for more than 6 months after graduation, and registered with the local labor and social security bureau; Personal credit record is good; Be able to provide valid identity certificate and residence certificate; The purpose of the loan meets the requirements of college students' entrepreneurship.
Fresh college graduates are required to provide proof of identity, student ID card or degree certificate, school report card, graduation certificate, bank card running bill for the past six months, etc. to the loan unit. Other certificates include scholarship certificate, blood donation certificate, class cadre certificate and honorary certificate, which can be provided by college students.
Fresh graduates need to provide business licenses and guarantee materials when applying for venture loans. The guarantee materials must be the evaluation report issued by the evaluation department recognized by the bank. College students can log on to the College Students' Entrepreneurship Network to consult related processes.
When applying for business loans, college students need to trust their household registration files in the employment guidance service center for college graduates. After college students apply for loans, banks will simplify the loan process and create convenient conditions for college students' loans.
The amount of college students' entrepreneurial loans is about 50,000 yuan, and the longest term is 2 years. College students' entrepreneurial loans will provide a certain tax-free time for college students, and the registered capital can be used for installment repayment.
This is the end of the introduction on whether fresh graduates can apply for loans and the loans that fresh graduates can apply for. I wonder if you have found the information you need?