The key for Jiaonan college students to apply for self-employment loans is to meet the conditions. Basic conditions for applying for personal business loans: 1. Having full capacity for civil conduct and under 50 years of age; 2. Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce; 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule; 4. Good credit standing, law-abiding, no bad credit and debt records, and able to provide mortgage, pledge or guarantee recognized by the bank; 5. Having a fixed domicile and business premises in the agency; 6. Other conditions stipulated by the bank.

Only those who meet the above conditions can apply to the bank, and the materials to be submitted include: 1. Identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; 2 personal or family income and property status and other repayment ability documents; 3. Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; 4. Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank.

2. What are the application processes for college students' entrepreneurial loans in Shenyang?

Relevant policies: the approval amount of self-employment loans can be up to 2 years, and if the interest during the loan period is jointly organized by the state finance and local finance, the loan scale can be appropriately expanded according to regulations; Those who engage in low-profit projects stipulated by the local government can enjoy discount support as required. Vocational training shall be given to college graduates who are willing to start businesses in accordance with regulations.

Process: You can first obtain relevant necessary documents such as employment and unemployment registration certificate from the local labor and social security department, and prepare relevant materials for the entrepreneurial project, and then apply for loan support from the local labor and social security department. After the approval of the labor department, you can recommend the project to the relevant bank, and the bank will review your guarantee conditions, and after on-the-spot inspection of your project, you can issue loans. If the procedures are complete, the whole loan process will take about 1 month. At the same time, if the prospects are good, you can also apply for business venture loans, so that financial institutions can appropriately reduce the loan interest rate of venture loans and give more preferential loans to entrepreneurial college students.

note:

Contents to be submitted: registered business license, project report, graduation certificate, company shareholders, entrepreneurship training certificate, entrepreneurship guarantee certificate. The corporate information security department will conduct entrepreneurship training first, and then they will guide you to handle it.

Good luck!

3. What are the procedures for Henan 202 1 Venture Loan?

Henan 202 1 business start-up loan procedures, providing business start-up plan, loan amount and ID card.

4. What are the application processes for college students' entrepreneurial loans?

We know that the income of college students' entrepreneurship is still very good, so this is also the reason why many college students want to start their own businesses. On the one hand, they can exercise themselves. On the other hand, welfare subsidies are really attractive. Do you know what the application process of college students' business loan is? Let me give you an answer. I hope I can help you. Welcome to read!

1 What are the application processes for college students' business start-up loans?

I. Application conditions

1. Applicants for college students' entrepreneurial loans must be college graduates, either fresh graduates or those with a graduation period of less than two years;

2. The applicant has a college degree or above, and can be a junior college student, undergraduate student, graduate student or doctoral student;

3. The applicant is at least 18 years old.

Generally speaking, the application conditions seem low, but the audit of entrepreneurial projects is the most important, so entrepreneurs must make a reasonable project introduction to their entrepreneurial projects.

Second, the application process

1, apply. The applicant applies for a loan to the management service center of the College Students Pioneer Park, and submits the loan application materials as required;

2. First instance. The management service center of college students' pioneer park conducts preliminary examination according to the materials submitted by the applicant;

3. retrial. For the borrower who has passed the preliminary examination, the Personnel Bureau shall, jointly with the relevant departments of the Finance Bureau, make a thorough investigation of the borrower's entrepreneurial project, including the development direction, project scale (number of people, registered capital, profit, etc.). ), and make a discount decision according to the understanding;

4. publicity. The Personnel Bureau publicizes the information passed by the applicant, which consists of the borrower's information and the preferential amount, and the publicity period is five days;

5. recognition. If the borrower has no objection during the publicity period, the Personnel Bureau will issue a notice of approval;

6. loans. The Finance Bureau makes a loan decision according to the approval notice of the Personnel Bureau, and after receiving the borrower's interest payment voucher, allocates funds from the special loan for college students' entrepreneurship.

2 conditions for college students to apply for business loans

1, college degree or above;

2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department;

3. When applying for this kind of loan, three points are more important:

First of all, the loan applicant must have a fixed residence or business premises. Second, business license and business license, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own funds.

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.

3 requirements for the duration and amount of college students' entrepreneurial loans

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.

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