1. What are the conditions for entrepreneurial loans for Yunnan college students?

Entrepreneurship loans for Yunnan college students:

1. Application conditions:

1. College graduates or above;

2. After graduation Have not been employed for more than 6 months and have registered as unemployed with the local labor and social security department.

2. Loan term:

The term is 1 to 2 years. After 2 years, there will be no fiscal interest discount.

3. Loan methods:

The ways for college graduates to start their own businesses are guaranteed and mortgage (pledge) loans.

4. Relevant instructions:

For specific operation methods, please consult the local Labor and Social Security Bureau.

In addition, there are other preferential policies for college students to start their own businesses. For example, those engaged in self-employment are exempted from industrial and commercial registration and management administrative fees for one year.

5. Application materials:

When applying for this type of loan, there are three important points:

First, the loan applicant must have a fixed residence or Business place;

Second, business license and operating permit, stable income and the ability to repay principal and interest;

The third and most important point is what the entrepreneur needs Investment projects already have a certain amount of own funds.

Only those who meet the above conditions can apply to the bank. The information required when applying mainly includes: proof of marital status, personal or family income and property status and other repayment ability documents; relevant agreements on the purpose of the loan. , contract; guarantee materials, ownership certificates and lists involving collateral or pledges, and mortgage (pledge) valuation reports issued by the bank's recognized appraisal department.

In addition to written materials, there must be collateral. There are many types of mortgages, including movable and real estate mortgages, time deposit certificate pledges, securities pledges, highly liquid movable assets pledges, and qualified guarantor guarantees. The amount of payment is determined based on the specific guarantee method.

General requirements for entrepreneurial loan amount:

① The maximum amount shall not exceed the working capital required by the borrower for normal production and operation activities, purchase (installation or repair) of small equipment (machines), and franchise chain operations 70% of the total funds required;

②The term is generally 2 years, with a maximum term of no more than 3 years, of which the maximum term for production and operating working capital loans is 1 year;

③Personal entrepreneurial loans are subject to the term loan interest rate promulgated by the People's Bank of China, which can fluctuate up or down within the prescribed range.

Loan repayment method:

1. For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid in one lump sum upon maturity, and the interest will be paid off along with the principal;

2. For personal business loans with a loan term of more than one year, the principal and interest repayment method of the loan can be the equal principal and interest repayment method or the equal principal repayment method;

3. It can also be used Repay according to other methods agreed upon by both parties.

2. Are there any entrepreneurial loans for college students in Kunming, Yunnan? How to apply? What are the requirements?

What preferential policies do colleagues have before looking for funds?

3. How to get a business loan in Kunming?

The Kunming Youth Entrepreneurship Promotion Association (ybc Kunming Office) has received When your download request arrives, please follow the download path shown to obtain the "Kunming Youth Entrepreneurship Plan Registration Form", "Entrepreneurship Plan" template and "Questions for filling in the Entrepreneurship Plan" respectively. After downloading, please write your business plan in detail and fill in the cash flow statement according to the key points listed in the "Business Plan". After writing is completed, please print your "Kunming Youth Entrepreneurship Plan Registration Form" and "Entrepreneurship Plan" by yourself and submit it to the Kunming Youth Entrepreneurship Promotion Association (ybc Kunming Office) at the following address, or mail it directly to the address so that we can as soon as possible Get your project reviewed! (We only accept printed "Entrepreneurship Plan") Address: 1st Floor, Jingze Building, No. 7, Xunjin New Village, Kunming City (behind Jinbi Industrial and Commercial Branch) Postal Code: 650100 Tel: 0871-3181065, 3181061 "Kunming Youth Entrepreneurship Plan Registration Table" download path: /manage/uploadfiles/27560.doc "Business Plan" template download path: /manage/uploadfiles/80682.doc "Tips for filling in the business plan" download path: /manage/uploadfiles/48542.doc Note: 1. The "Entrepreneurship Plan" template lists the outline and key factors that need to be considered in the form of questions. Please elaborate on the requirements in detail based on the implementation of your entrepreneurial project (during the elaboration process, actual survey data should be used for analysis) . 2. When writing the "Business Plan", if you still cannot fully grasp the key points to be analyzed, you can refer to the explanatory prompt elements for the key points in the "Business Plan" in the "Questions for Filling in the Business Plan" to consider and finally complete your business plan. 3. The cash flow forecast table is an important basis for reflecting the financial status analysis, so when writing, please carefully analyze and fill it out based on the implementation of the entrepreneurial project.

I also learned about this recently. College students can borrow up to 50,000 in entrepreneurial loans without guarantees or mortgages.

But there are some difficulties with the business plan and cash flow budget. YBC will review and approve it after you complete it, and the money will be given to you only after passing the review and approval.

4. Are there any entrepreneurial loans for college students in Kunming, Yunnan? How to apply? What are the requirements?

There are business loans for college students.

Application Procedures

1. For matters related to applying for loans for college students to start a business, please consult the banking department;

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

< p>1. Go to the registration hall of the Municipal Industrial and Commercial Bureau and each branch county industrial and commercial bureau to collect the registration form.

2. Apply to the registration authority for pre-approval of the company name;

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

Application requirements

1. Freshly graduated college students, and college students who have graduated within two years;

2. College degree or above;

3. Over 18 years old.

Extended information: Application process:

1. Acceptance. The applicant applies to the University Student Entrepreneurship Park Management Service Center and submits relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center;

2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount;

3. Public announcement. The commercial loan interest discount objects and interest discount amounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days;

4. Approval. If there is no objection after publicity, the Personnel Bureau will issue an approval notice;

5. Appropriation. According to the approval notice from relevant departments, the Finance Bureau will allocate funding from the special fund to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates.