The interest rate of college students' entrepreneurial loans is 0.8%, which is subsidized by the government. The state stipulates that fresh graduates do not have to pay taxes for the first three years of starting a business, which varies from place to place.
Second, how do college students apply for business start-up loan allowance?
The Concept of College Students' Entrepreneurship Loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy a 60% discount from the government.
College students' entrepreneurship loan is a preferential measure provided by the state to college students. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
Preferential policies for college students' entrepreneurial loans
(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.
(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.
(3) Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
The above preferential policies are formulated by the state for all self-employed college students. In order to support local college students' entrepreneurship, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality. For example, according to the relevant regulations of the state and the Shanghai Municipal Government, fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax relief.
Requirements of college students' entrepreneurial loans
(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;
(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;
(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;
(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;
(5) Open a settlement account in a bank, and the operating income will be settled by the bank.
Application materials for college students' entrepreneurial loans
(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;
(2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;
(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;
(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.
If you need a loan, but don't know which bank is suitable for you, or which bank's loan quota is full in the current month, you can apply to the bank through Easy Loan China. You only need to submit your application online, and Easy Loan China will review it for you. After approval, Easy Loan China will submit your application to your local bank credit department for verification. After verification, the credit department of the bank will contact you to sign a contract, open a loan card and issue a loan.
Easy Loan for Students-Easy Loan for Students is an unsecured and unsecured credit loan for college students launched by China United Bank and other fund providers to solve the current employment problem of college students and help them (undergraduates, graduate students, doctoral students, etc.). ) realize your entrepreneurial dream. Amount: 50-200,000 yuan
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Third, how much can college students get for starting a business?
For college students' entrepreneurship subsidies, the specific amount and receiving conditions are different according to regional policies. The following is the situation in some areas:
1. Beijing: Beijing encourages college students to find jobs and start businesses after graduation, and provides a one-time employment security fund with a quota ranging from 30,000 to 80,000 yuan. At the same time, there are other entrepreneurial policies, such as investment support and site support. , and you can check the specific implementation plan in official website and Beijing Human Resources and Social Security Bureau.
2. Shanghai: Shanghai will provide up to 300,000 yuan of entrepreneurial support, and the specific amount and acquisition conditions need to be determined according to different projects.
3. Guangdong: Guangdong Province provides 1 1,000-11,000 yuan for business start-up, and the specific amount depends on the financial resources and support measures of cities and counties in the province.
4. Jiangsu: Jiangsu Province provides venture capital loans of 1 10,000-1 10,000 yuan, as well as various entrepreneurial support policies, such as tax reduction and exemption, and rent reduction for entrepreneurial sites.
In short, the amount of entrepreneurship subsidies in each region is different, and college students can understand and apply for corresponding entrepreneurship support policies according to their own provinces and cities.
Fourth, the government subsidizes college students' entrepreneurial loans.
"College students who want to start a business can borrow 65,438+10,000 to 500,000. If the venture fails, the government will provide loans of less than 654.38 million yuan, and the government will provide loans of more than 654.38 million yuan, accounting for 80%. " The deputy director of the Zhejiang Provincial Department of Human Resources and Social Security made a statement today and quickly boarded the hot search. Providing loan support for college students' entrepreneurship is a routine operation in many provinces and cities, but it is rare for the government to compensate for entrepreneurial failure or most compensatory loans. Lack of start-up funds, difficulty in financing and poor repayment ability have always been a big worry for college students to start their own businesses. This pioneering work in Zhejiang can just relieve the worries of college students' entrepreneurial groups. Some analysts pointed out that after the loan is compensated, it does not mean that users do not have to pay back the money. Moreover, loan compensation is a very serious behavior, which will leave a bad credit record in the credit investigation and affect the subsequent loans. Therefore, the gold content of this policy may be judged by specific rules. Nevertheless, this statement of Zhejiang conveyed the sincerity of supporting college students' entrepreneurship. This year, the number of college graduates in China is expected to reach10.76 million, with both scale and increment reaching record highs. It is an important event for the whole society to fully understand the employment situation and pressure faced by graduates and do everything possible to help them find jobs and start businesses. In addition to loan compensation, Zhejiang has also introduced a set of subsidy combination boxing: college graduates can enjoy a living allowance of 200,000 to 400,000 yuan or a subsidy for buying a house or renting a house when working in Zhejiang; Engaged in entrepreneurship in specific industries such as housekeeping, the government gives 654.38+10,000 yuan of entrepreneurship subsidies; Working in these fields, each person will be given an annual employment subsidy of 10000 yuan, which will be added for three consecutive years. Through addition, the vitality of college graduates' entrepreneurship and employment can be further released. It can also be seen from various measures that Zhejiang's intention of "robbing people" is in the case of great changes in the national population situation. Talent is the primary productive force. Attracting more college students to a place for employment and entrepreneurship can provide a steady stream of intellectual support for local economic and social development, that is, to maintain the future of development. According to the survey, the problem of "labor shortage and difficulty in recruiting workers" reappeared in some areas. It can be predicted that attracting talents, gathering talents and retaining talents will become the key direction to solve the labor shortage, promote industrial upgrading and high-quality development in many areas including Zhejiang. It provides full support for the employment and entrepreneurship of government college graduates, establishes the city reputation and image of loving talents, and embodies the strategic vision of sustainable development. To solve the employment difficulties of college graduates, care for their entrepreneurial dreams, and let more young people create brilliant lives, all localities need to use their brains, find ways and make practical moves. Proofreading: Liu Wei's related questions and answers: