Specific requirements and process of college students' entrepreneurial loan
I. Application conditions
1, college degree or above; 2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.
Second, the loan term.
The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.
Third, the loan method.
Small loans for college graduates to start their own businesses are secured by mortgage.
Four. Relevant explanation
The specific operation method can be consulted with the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates.
Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
Verb (abbreviation of verb) application materials
First, the loan applicant must have a fixed residence or business premises;
Second, business license and business license, stable income and ability to repay principal and interest;
Third, and most importantly, the projects invested by entrepreneurs already have their own funds.
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; Agreements and contracts related to the purpose of the loan; 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 many 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. Amount Requirements The amount of the venture loan is generally required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation; 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 shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
How to apply for a personal business loan?
1. Search the human resources and social security departments of this province as shown in the figure.
2. The window for finding employment and unemployment opens, as shown.
3. Pull the page below and find the startup loan as shown in the figure.
4. The following are the details of the loan and the supporting objects.
1, eligible registered unemployed persons in cities and towns in the province.
2, employment difficulties (including the disabled)
3. Demobilized veterans
4. People released from prison
5. College graduates (including college student village officials and returned students)
6. Resolving employees and unemployed people in enterprises with excess capacity.
7. Migrant workers returning home to start businesses
8. Online merchants
9. Establish file cards for poor people and other types of independent entrepreneurs.
5. Support time
1. The maximum support period of personal business guarantee loan shall not exceed 3 years.
2, the partnership or organization * * * has a business support period of not more than 3 years.
3. For small and micro enterprises and employment promotion bases and business incubation bases recognized by the human and social departments, the longest support period shall not exceed 2 years.
6. Personal commercial loans
1, personal business guarantee loan in poverty-stricken areas, giving full discount.
2. Personal business guarantee loans in other regions are fully discounted in the first year, 2/3 in the second year and 1/3 in the third year.
Second, the partnership venture loan
According to the quota of 6,543,800 yuan per qualified partner, the interest will be discounted with reference to the personal business guarantee loan.
Third, small and micro enterprise loans.
If the amount is less than 2 million yuan, it will be given a discount of 50% of the loan preferential interest rate on the day when the loan contract is signed. If the employment promotion base and business incubation base are within 2 million yuan, the preferential interest rate of the loan will be given in full according to the date of signing the loan contract.
7. Personal business loans
1. Copy of the applicant's ID card and household registration book;
2. Copy of marriage certificate, spouse's ID card and household registration book (unmarried people do not need to issue them);
3. Business license (business license or breeding and breeding contract issued by relevant departments; Enterprise business license can also apply for personal business guarantee loans);
One of the identification materials of 4.9 entrepreneurs;
5. A copy of the counter-guarantor's ID card and proof of salary income; Copy of mortgage or pledge (if the bank bears all risks, this material is not needed).
loan application
The entrepreneur applies to the venture loan guarantee center of the venture project with the application materials. Online application is handled according to the online process.
2. Audit investigation
The local venture loan guarantee center shall verify the authenticity of the application materials, and assign special personnel (at least two persons) to conduct on-the-spot investigation on the applicant's (small and micro enterprises) venture projects together with the handling financial institutions. .
3. Bank loans
According to the opinions of the venture loan guarantee center, the handling bank shall timely issue loans in accordance with relevant regulations and procedures.
8. Click on the policy consultation, and you can see the contact numbers of loan centers in different cities as shown in the figure.
Extended data:
The significance of risk loan;
Maintaining social stability: providing financial support to the poor can make the poor see hope. Venture loan is not only a good way to ensure social stability, but also a moral and political project to win the hearts of the people.
Promote economic development: Venture loan is a financial lever for people to get rid of poverty and become rich. Providing entrepreneurial loans can not only make full use of financial leverage, but also greatly promote the development of individual and private economy, help people get rid of poverty and become rich, and enhance the credit awareness of the whole society.
Deepening financial reform: Venture loan conforms to the national conditions, is the driving force to catalyze the change of financial concepts and accelerate national rejuvenation, and is a unique financial product in the primary stage of socialism.
Opening wider to the outside world: China is a country with a large number of poor people, and start-up loans will play an important role in credit poverty alleviation activities.
References:
Venture loan-Baidu encyclopedia
How to get loans for college students' entrepreneurship: introduction to loan conditions and processes
A long time ago, the state began to support college students' entrepreneurship. In order to encourage and support college students' entrepreneurship, many policies have been introduced, such as college students' entrepreneurship loans. How do college students apply for professional loans when starting a business? Next, I'll introduce the loan conditions and procedures, and I'll show you around.
Is it easy to approve college students' entrepreneurial loans?
As the name implies, college students' entrepreneurship loan is an unsecured credit loan for college students to start their own businesses. However, in order to apply, college students need to meet the following conditions for applying for college students' entrepreneurial loans:
1. First of all, you must be at least 18 years old, you must also have a valid ID card and proof of legal residence address, and you must also provide a fixed business place;
2. The applicant must have a business license and a business license of related industries, and have a stable income and the ability to repay the principal and interest;
3. Applicants need to have their own funds for investment projects, and the use of venture loans conforms to state regulations.
The process of college students' entrepreneurship loan is as follows:
1, bring the information needed for the loan to the Municipal Personnel Bureau for application;
2, the Municipal Personnel Bureau to review the information submitted, to assess whether it is eligible for loans;
3, issue a recommendation form, and submit it to the county or city guarantee institutions for review;
4, by the handling bank and guarantee institutions to assess the loan qualification;
5. Upon approval, both parties sign a guarantee contract and a loan contract with the lender;
6. Then the handling bank and the guarantee institution will review the loan project together. Generally, after the loan is approved, both parties will sign a guarantee contract and a loan contract with the lender. Finally, they will wait patiently for the loan.
As far as I know, there are two kinds of applications for college students' entrepreneurial loans: application for study and application after graduation. The application for studying abroad requires a guarantor. There are three main ways for college students to apply for venture loans: one is to apply to banks, the other is to apply for discount loans from small and medium-sized science and technology enterprises, and the third is to guarantee loans with new technological achievements or intellectual property rights and patents.
What is the application process of venture loan?
The application process of venture loan is as follows: 1. Preparation materials: These materials include identity certificate, marital status certificate, personal or family income and property status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank. Finally, there must be collateral, and there are many ways of mortgage, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity and so on. 2. Fill in the application form: The applicant holds the business opening plan (or loan project book) and puts forward the demonstration requirements to the loan guarantee recommendation institution or business opening experts. Those who pass the demonstration can apply for a business loan. 3. Obtaining recommendation: After the recommending institution organizes experts or relevant personnel to conduct demonstration on the application project, those who meet the requirements of the opening loan shall sign the recommendation opinion in the recommendation opinion column of the opening loan application; Do not meet the conditions, it shall put forward opinions to the applicant, and return the relevant materials provided by the applicant. Iv. Identity confirmation: The applicant obtains identity confirmation from the street employment service agency where the household registration is located, and signs in the identity confirmation column of the application for opening a loan. The bank accepts the applicant's Application for Opening an Account with the signed recommendation and identity confirmation, submits the loan application to the designated bank acceptance point, and provides relevant materials. V. Loan review: The bank shall make comments on loan review within 10 days from the date of acceptance, fill in comments in the column of bank review comments in the Application for Opening an Account Loan, and submit them to the account opening guidance service center. Do not agree with the loan, to inform the applicant in time, and put forward opinions. 6. Handling loans: After accepting the bank's advice on loan guarantee, the lender can handle the personal guarantee procedures and loan procedures according to the requirements of bank credit rules and regulations within five working days.