The amount of college students' entrepreneurial loans is 50,000-80,000 yuan, which can generally be loaned for 2 years. The loan applicant needs to provide counter-guarantee for the loan. Loan projects will be subsidized in accordance with the relevant provisions of the state and the autonomous region.

Fresh college graduates, unemployed college graduates, and college students (including entrepreneurial teams) who start their own businesses for the second time can apply for entrepreneurial loans in the local labor and social security departments.

The application of college students' entrepreneurial loans needs certain conditions. Applicants should have specific business projects and obtain business licenses, and participate in SIYB training organized by the Communist Youth League and the labor department before applying for loans.

The following are the relevant preferential policies implemented by the state for college students' entrepreneurial loans.

I. Enterprise registration

1. The program is more simplified.

Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.

2. Reduce and exempt various fees.

Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.

Reminder: According to the staff of the Individual Department of the Administration for Industry and Commerce, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses.

Second, financial loans.

1. Give priority to loans and issue credit loans appropriately.

Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should 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.

Simplify the loan procedures By simplifying the loan procedures, we can reasonably determine the credit line and use it for a certain period of time.

Interest rate concessions provide certain preferential interest rate support for venture loans. Depending on the degree of loan risk, it can float down or down appropriately on the basis of legal loan interest rate.

Reminder: Bank-related persons such as China Bank, China Agricultural Bank, China Construction Bank, Minsheng Bank, CITIC Industrial Bank, etc. It is said that the bank has not yet launched the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person concerned in the office of CITIC Industrial Bank said that banks should also consider their security while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional.

In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. At present, a number of banks have offered personal business loans to natural persons with permanent residence or valid residence status in cities and towns and over the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.

Third, pay taxes.

College graduates who are engaged in self-employment are exempted from tax registration certificate 1 year from the date when the business department approves their operation. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities.

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.

How much is the college students' entrepreneurial loan?

The maximum amount of college students' entrepreneurial loans shall not exceed 70% of the total amount of equipment and assets purchased by the applicant for production and operation, and shall not exceed 50,000 yuan. However, the loan amount varies from place to place and from bank to bank. College students' entrepreneurship loan is a credit loan issued by banks and other institutions to college students. The government has formulated many preferential policies to support college students' entrepreneurship. The above is the relevant content of how much college students can borrow for starting a business. 1 is the way for college students to start a business loan; Apply for a loan from a bank; 2. College students can use new scientific and technological achievements or intellectual property rights and patent rights to make secured loans; 3. Apply for discount loans for small and micro technology enterprises. Banks attach great importance to borrowers' repayment ability, and the examination and approval of individual loan applications is very strict. According to the loan approval unit of the bank, newly graduated college students have almost no repayment ability and are generally not allowed to apply for loans. However, if the applicant can provide a third-party guarantee, he can apply for a secured loan, which requires the loan guarantor to have excellent personal credit and good economic ability. The higher the comprehensive score of the loan guarantor, the higher the loan amount. If you have real estate, you can apply for a mortgage loan, so the probability and amount of the loan will be higher. What are the conditions for a venture loan? 1. Lenders are college graduates, demobilized soldiers and other unemployed people; 2. When the lender submits the application, individuals and family members have no bad credit records and other loans, except housing loans, poverty alleviation loans and car purchase loans; 3. Some regions will stipulate that the applicant is an individual industrial and commercial household or the legal representative of the enterprise, and require the lender to provide a fixed business place to operate normally when receiving subsidies. Self-employed loans are easy to apply for as long as they meet the corresponding application criteria. However, the actual application criteria will still be different in each region, so be sure to check clearly before applying in case the application is not passed. This article is mainly about the knowledge points about how much college students can borrow for starting a business loan, and the content is for reference only.

How much can Sichuan college students' entrepreneurial loans be loaned in 2022?

About 50 thousand.

According to the data of the Bank of China, at present, college students can borrow up to 80,000 RMB and start a business up to 50,000 RMB. The specific loan amount can be determined according to the borrower's credit status, the use of funds and the policies and regulations of the loan bank.

College students' entrepreneurship loan is an unsecured and unsecured credit loan for college students (undergraduates, postgraduates, doctoral students, etc.). ) issued by banks and other fund issuers.

How much can college students borrow for starting a business?

How much can a college student's entrepreneurial loan be borrowed varies from place to place, which is about 65,438+10,000 to 500,000. The loan applicant needs to provide counter-guarantee for the loan. The loan project will be subsidized according to the relevant requirements of the state and autonomous prefecture. The application of college students' entrepreneurial loans needs certain standards. Applicants need to have actual business projects and obtain business licenses, and can apply for loans only after participating in the training of labor agencies.

How much can college students borrow from the bank and how to calculate the interest?

If you need to apply for a national student loan, the loan amount is as follows:

Full-time college students (including students with second degree and higher vocational education) apply for a loan amount of no more than 8,000 yuan per person per year; If the sum of tuition and accommodation fees is less than 8,000 yuan per year, the loan amount can be determined according to the sum of tuition and accommodation fees.

Full-time graduate students each apply for a loan amount of no more than 12000 yuan per year; If the sum of annual tuition and accommodation fees is less than 12000 yuan, the loan amount can be determined according to the sum of tuition and accommodation fees.

The national student loan interest rate shall be implemented according to the market quotation price (LPR) of loans of the same grade in the same period minus 30 basis points.

The loan interest payment terms are as follows:

During your study in school, all the interest generated by the national student loan will be subsidized by the special discount funds arranged by the finance, and will be distributed quarterly by the National Student Financial Assistance Management Center. During the school period, if you drop out of school due to force majeure and other reasons, you can apply for preferential treatment.

After graduation, the interest generated by the national student loan will be paid by you monthly, starting from the first interest settlement date after graduation. When you graduate, suspend school, drop out of school, or have your student status cancelled according to the Regulations on the Administration of Student Status in Colleges and Universities, you will pay all interest from the interest settlement date of the first month after completing the relevant procedures. If you fail to repay the loan principal and interest in time according to the regulations, the loan handling bank of Bank of China may charge a penalty interest on your default repayment amount, and you should repay it in full.

Please consult your university or Bank of China loan handling bank for details.

The above contents are for your reference. Please refer to the actual business regulations.