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.
This year's college graduates need to provide proof of identity, student ID card or degree certificate, school report card, graduation certificate, bank card running bill in 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.
College students need to trust their household registration files in the employment guidance service center for college graduates when handling business loans. 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' business start-up loans will provide a certain tax-free time for college students, and the registered capital can be used for installment repayment.
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 a loan issued by a lender to encourage unemployed college graduates with certain entrepreneurial ability to start their own businesses.
First, the loan object
Unemployed college graduates with full capacity for civil conduct, good health, honesty and trustworthiness, entrepreneurial desire and entrepreneurial conditions within the legal working age. The term "college graduates" as mentioned in these Measures refers to college graduates who have been employed for less than five years and have obtained college education or above from full-time colleges and universities recognized by the state, and also applies to students with special skills. On the original basis, it is extended to college graduates (including college student village officials and returned students).
Second, the borrower's conditions
(1) A natural person with full capacity for civil conduct;
(2) Having a local permanent residence and permanent residence;
(3) Hold a valid identity card, have a diploma of junior college or above (including junior college) issued by a full-time college recognized by the state, provide a personal file filing certificate issued by an archiving agency, 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) If a guarantee institution is adopted, the following materials shall be submitted:
(1) Original and photocopy of my 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; In the case of partnership, a cooperation agreement or articles of association shall also be provided;
(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 instance of qualified evaluation 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 low-profit projects (applicable to low-profit project loans guaranteed by guarantee institutions and subsidized by finance);
As a 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 provide school certificates, and unemployed college graduates provide the original and photocopy of graduation certificate and employment unemployment registration certificate issued by the local labor and social security department; In case of partnership, a cooperation agreement or articles of association shall also be provided;
(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;
(6) Your self-financing documents;
Once your personal credit report;
Other documents or materials required by the handling bank. Because 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.
New graduates' entrepreneurship loan policy?
1. Conditions for college students to apply for loans for starting a business: 1, college degree or above; 2, more than 6 months after graduation without employment, and in the local labor and social security departments for unemployment registration; Second, the loan term and amount requirements: the state provides small-scale entrepreneurial loans for college graduates with government discount loans, with a term of 1 ~ 2 years. Then, after two years, they will no longer enjoy the financial discount. General requirements for the amount of venture loan: the maximum amount cannot exceed 70% of the total liquidity required by the borrower's normal production and operation activities and franchise chain operation; Usually, the term is 2 years, and the longest term is not more than 3 years, while the longest term of working capital loans for production and operation is 1 year; The interest rate of fixed-term loans issued by banks for personal business loans will fluctuate within a limited range. 3. Loan repayment method: 1. If the loan term is within one year (including one year), the principal and interest will be repaid in one lump sum, and the interest 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 average capital repayment method or equal principal and interest repayment method, or other repayment methods agreed by both parties. Then, the relevant preferential policies depend on their respective local governments.
This is the end of the introduction of fresh student loans and graduate student loans. I wonder if you found the information you need from it?