1. Banks that can choose loans:

Many banks, such as China Everbright Bank, Bank of Communications and Minsheng Bank, have college students' entrepreneurial loans.

2. There are several ways for college students to apply for interest-free loans:

(1) Guarantee centers or employment agencies all over the country. In order to encourage college students to start their own businesses, local governments have introduced preferential policies for college students' entrepreneurial loans, including government interest subsidies and increasing loan quotas. Applying for a startup loan in this way requires a guarantee.

(2) bank loans. Borrowers can apply for personal business loans in banks, with a large loan amount and flexible loan methods, and can obtain loans through mortgage, pledge and guarantee.

(3) Company or guarantee company. The threshold for starting a business loan through such companies is lower, and the next payment is faster, but the financing cost is higher. In addition to interest, you have to pay certain procedures.

3. As can be seen from the above introduction:

Almost all banks support college students' entrepreneurial loans, all of which are implemented by the unified policies of the state and guaranteed by preferential policies provided by the government. The state gives discount to college students' entrepreneurial loans, so it is the most economical and secure loan method. If you apply for a loan through a loan company, it is fast, but the interest you have to bear is high.

College students' entrepreneurship training certificate is like a stepping stone. With this certificate, the loan will be better. However, there are still some risks in lending. I suggest investing carefully, not in a hurry.

Where can I apply for a college loan?

The places where college students apply for loans are:

1. Management Service Center of College Students Pioneer Park, where you can apply for college students' entrepreneurial loans;

2. The Education Bureau of the place of origin can handle the national student loan;

3 student financial assistance management center, you can apply for student credit loans.

College student loans have gradually become the main service for major online lending companies to develop college student customers. College students' self-employment, installment consumption, education and training and other aspects of consumption expenditure make them become high-consumption groups with no fixed income, which makes them have a strong demand for loan services. However, the student loans and entrepreneurial loans provided by the national government with harsh conditions and troublesome applications can no longer meet the loan needs of today's college students.

Requirements for loan term and amount:

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.

Generally speaking, the amount of venture loan does not exceed 70% of the total liquidity 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.

Loan repayment method:

1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the profits will be paid off with the principal;

2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties. The relevant preferential policies depend on your local government.

Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.

Where can I borrow college students' entrepreneurial loans?

College students' entrepreneurial loans recommend Moore Long. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year.

The specific process of college students' entrepreneurial loans is as follows:

1. Bring relevant materials to the Human Resources Department for application.

2. The local community department will accept the applicant's application materials after receiving the application and accepting the relevant materials.

3. The human and social departments shall conduct preliminary examination, check whether the applicant meets the loan conditions, check whether the materials are complete, and evaluate the applicant's entrepreneurial ability.

4. After passing the preliminary examination, the human society department shall submit it to the higher human society department for review.

5. If the applicant needs to provide guarantee, the guarantee institution shall strictly examine the loan application and guarantee application provided by the applicant and the counter-guarantee measures provided.

6, by the handling bank, guarantee institutions and local departments to review the loan project.

7. Sign various contracts according to the audit results.

For more information about loans, please consult Mollon. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

Where can college students get loans?

1, bank loan. With the continuous development of social economy, college students can apply for loans directly from banks. The advantage of bank loans is that the amount is large and the application threshold is low. In other words, the success rate of college students' loans is relatively high. However, the bank loan threshold is higher. College student loans require applicants to provide their identity certificates, work certificates, student ID cards and other materials. 2. Loans from loan companies. The loan threshold of a loan company is lower than that of a bank, but not every student can apply for a loan. The loan threshold of college student loan companies will be lower than that of banks.

How do college students get loans?

1. Apply for a student loan through China Development Bank, and enjoy interest-free preferential policies during school. Repayment after graduation bears interest according to the benchmark interest rate of central bank loans for the same period; 2. To apply for college students' credit loans through major banks, you must be at least 18 years old, with no bad credit record and no other liabilities; 3. Through the loan platforms or institutions on the market, you need to be wary of routine loans, and you must find a formal and reliable platform. There are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan. Public full-time colleges and universities should actively implement the national student loan policy and cooperate with students from poor families in colleges and universities to handle national student loans. In addition, some private colleges and universities have carried out national student loans. Students should pay attention to the relevant statements in the school enrollment brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through their schools. In principle, students apply once during their school days, and the bank issues national student loans by stages. What materials do I need to provide to apply for a national student loan? Copy of my student ID card and resident ID card (minors must provide valid identity certificate of legal guardian and written consent to apply for a loan); My explanation of the family's financial difficulties; Proof of family financial difficulties issued by the relevant departments where the students' families are located. The students themselves shall bear legal responsibility for the authenticity of the certification materials provided by them. The relevant departments of the examination and approval school are responsible for the qualification examination of the national student loan applications submitted by students, and checking the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications. Repayment method before graduation, students pay off in one lump sum or several times; After graduation, students can look at their liquidity to repay their loans; After the probation period expires, graduates will be deducted from their wages month by month within two to five years; The unit where the graduates work depends on their work performance and decides to reduce the loan repayment; For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, their parents should be responsible for returning all the loans.