Starting conditions of venture loan: 1. The loan applicant must have a legal and valid identity certificate, proof of legal residence at the place where the loan bank is located, and a fixed residence or business place.
2. The loan applicant must be 18-50 years old. You must be unemployed for 6 months before you can apply. You must go through the relevant formalities in the labor and social security department where your account is located, and apply for employment and unemployment registration. You can apply for a small secured loan at the social security bureau where your account is located with this certificate (copy can also be used), tax registration certificate and store lease contract. The applicant's investment projects require him to have some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of risk loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. 6. The loan applicant must open a settlement account in the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan is in line with the relevant national laws and the provisions of the Bank's credit policy, and it shall not be used for other speculative investment projects such as equity. 7. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they should provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and help them get loans smoothly. 8. Other loan conditions stipulated by the lending bank. Second, how much can college students borrow from interest-free loans?
The maximum interest-free loan for college students to start a business is 6,543,800 yuan. To apply for an interest-free loan for college students' entrepreneurship, the following basic conditions must be met: China citizen aged 65,438+aged 08 to 45, with full capacity for civil conduct.
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans from the government, with a term of 1 ~ 2 years, after which they will no longer enjoy financial interest subsidies. Generally speaking, there are requirements for the amount of venture loan: the maximum amount shall not exceed the working capital required by the borrower for normal production and business activities and the purchase (installation or repair) of small equipment (machines and tools), of which the longest working capital loan period for production and business is 1 year; Personal business loans shall be subject to the term loan interest rate announced by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
Conditions for applying for interest-free loans for college students to start businesses:
1, identification;
2. Students need to provide student ID cards and transcripts;
3. Graduates need to provide graduation certificates and degree certificates;
4. Checklist of frequently used bankbooks or bank cards in the past 6 months;
5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.
6. Check whether students have bad criminal records.
7. College degree or above;
8 unemployed for more than 6 months after graduation, and registered in the local labor and social security department.
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; Relevant agreements and contracts for loan purposes; 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 various 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. What is the maximum loan amount for college students in Postal Savings Bank? ...
Why don't you call or ask the local business office? It won't help you better.
4. What is the maximum loan amount for college students in Postal Savings Bank?
Requirements for loan term and amount:
The micro-business loans provided by the state for college graduates are subsidized loans from the government, with a term of 1 ~ 2 years and interest of 2 years.
The amount of risk loans usually requires:
The maximum amount shall not exceed the working capital, purchase (installation or repair of tools) and franchise chain stores required by the borrower's normal production and business activities.
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 float within the time limit announced by the People's Bank of China.