College students who have graduated for two years can enjoy entrepreneurial loans.

Encouraged by national policies, there are more and more flexible employment forms for college graduates, and self-employment is a good employment form. Chongqing also provides preferential policies for college graduates to start businesses. College graduates who apply for self-employment can enjoy small loans with financial discount. The brief content is as follows.

First, the 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 period:

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.

Three. 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) related content

College students' entrepreneurship is interest-free for 3 years. Information: Copy of ID card and student ID card.

Loan amount:1-50000; Loan term: 1-5 years; Loan interest rate: the monthly interest rate is one percent (1%).

Graduation certificate, school employment office certificate, file, go to the talent center in your city and put the file down, then fill out a self-employment form, just stamp it by the personnel bureau, and then apply to the bank.

What does it mean to discount the personal business guarantee loan once?

I. Scope of application

Main contents: Apply for personal business guarantee loan discount.

Applicable object: individuals

Second, the national legal basis

Notice of the Ministry of Finance, the People's Bank of Ministry of Human Resources and Social Security and China on Further Improving the Financial Discount of Venture Guarantee Loans, Ministry of Finance, the People's Bank of Ministry of Human Resources and Social Security and China 20 18-03-27.

Article 1 Increase policy support.

(1) Expanding the scope of loans. In addition to the original provisions (registered unemployed people in cities and towns, people with employment difficulties, demobilized veterans, released prisoners, college graduates, employees and unemployed people in enterprises with excess capacity, migrant workers returning home to start businesses, online merchants, and poverty-stricken people with established files), the rural self-employed farmers will be included in the scope of support. Adjust the loan scope of small and micro enterprises to: newly recruit small and micro enterprises with 25% of existing employees (employees 100 or more enterprises reach 15%) and sign labor contracts with them for more than 1 year.

(2) Reduce the loan application conditions. The loan record requirements for individual business guarantee loan applicants are adjusted to: except for student loans, poverty alleviation loans, housing loans, car loans and small consumer loans (including credit card consumption) below 50,000 yuan, when the applicant submits the business guarantee loan application, I and my spouse should have no other loans.

(3) Relax the guarantee and discount requirements. For small and micro enterprises that have enjoyed the discount support from the financial department, they can be supported in the form of guarantee through the venture guarantee loan guarantee fund. Borrowing individuals and small and micro enterprises with positive repayment, strong employment promotion ability and good entrepreneurial projects can continue to give discount on entrepreneurial guarantee loans, but the cumulative number of times shall not exceed 3 times.

What are the conditions for college students to start interest-free loans? Procedure and amount

Application conditions

1, identification;

2. Students need to provide student ID cards and transcripts;

3. Graduates are required to provide graduation certificates and degree certificates;

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.

6. Check whether students have bad criminal records.

7. College degree or above;

8 unemployed for more than 6 months after graduation, and registered in the local labor and social security department.

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.

Extended data:

Interest-free loan for college students' entrepreneurship refers to a loan method established to encourage college graduates to start their own businesses. For entrepreneurs themselves, it is interest-free, but for banks, it is interest-bearing, except that the state has introduced relevant policies to encourage entrepreneurship and promote employment, and the interest is subsidized by finance.

Loan amount requirement

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, the amount of venture loan is required: the maximum amount shall not exceed the working capital required by the borrower for normal production and operation activities and the purchase (installation or repair) of small equipment (machines and tools), 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.

Repayment method

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

Baidu Encyclopedia-Interest-free loans for college students' entrepreneurship

I applied for an interest-free loan of100000 for starting a business.

Interest-free loans for individual entrepreneurship are mainly aimed at low-income groups, including college graduates, laid-off workers and veterans. If it fails to pass the examination in the human resources and social security departments, it cannot be applied. The term of interest-free loans for individual entrepreneurship is generally two years, during which interest is not paid.

In addition, the loan applicant must have good credit and repayment ability, a stable job and income, and the applicant must provide proof of the purpose of the loan. Due to different local policies, lenders need to go to local lending institutions for detailed consultation before applying, so as to increase the chances of successfully obtaining loans.

Extended data:

Precautions:

1, the state has venture loan funds, and this policy does exist, and users know this, indicating that users are college students who are very concerned about current events and information, which is a very good habit.

2, according to the provisions of the national venture loans, venture loans are targeted, that is to say, some industries can not lend, and some industries can lend.

3. If the user wants to get an interest-free loan for college students' entrepreneurship, the department you are looking for is the Ministry of Labor and Social Security, the municipal government, and especially the college students' entrepreneurship loan.

This loan needs a guarantor. The guarantor must be a civil servant with a stable job and income. Without users, it is almost impossible to get a loan.