banking

Second, how to handle the entrepreneurial loan for college students in Heilongjiang Province

Usually apply to the personnel bureau where the account is located. The usual method is this.

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:

The way for college graduates to start businesses is guarantee and 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, such as setting up a

Business administration, 1 year exempted from administrative fees for business registration management; 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.

Five. Application material

When applying for such loans, 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.

Amount requirement

Generally speaking, the amount of venture loan shall not exceed the total amount of 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.

70%;

The term is usually

2 years, with a maximum of 3 years, in 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.

Loan 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.

The relevant preferential policies depend on your local government. Some local governments are trying their best to help private enterprises and individuals with their entrepreneurial spirit and encouragement.

Third, can Heilongjiang family farms report college students' entrepreneurship subsidies?

If the family farm in Heilongjiang is independently founded by college students, there can be entrepreneurship subsidies. Without college students, how can there be entrepreneurship subsidies?

Fourth, how to handle the entrepreneurial loan for college students in Heilongjiang Province?

Generally, please, the usual method is this. 1. Application conditions: 1, college degree or above; 2, more than 6 months after graduation did not apply for unemployment registration in the industry sector. Second, the loan term: the small-scale entrepreneurial loans provided by the state for college graduates are government-subsidized loans with a term of 1~2 years. No longer enjoy financial discount after 2 years. Third, loan method: mortgage (pledge) loan for college graduates to start their own businesses. Fourth, consult the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship, such as administrative fees for individual industrial and commercial registration management; Self-employed and self-employed individuals can also manage their household registration files in the self-employment facilities of large and medium-sized college graduates. When applying for this kind of loan, there are three main points in the application materials: first, the loan applicant must have a fixed residence and a business license, and the most important point is a stable income, that is, the projects invested by entrepreneurs have certain self-owned funds. Only those who meet the above conditions can submit information to the bank, including: 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, including ownership certificates and lists of collateral or pledge, are all collateral, except the appraisal report of collateral (pledge) issued by the appraisal department recognized by the bank. There are many mortgage methods, such as chattel and immovable property mortgage, time deposit certificate pledge, valuable material pledge, etc., which are determined by the guarantee methods of qualified guarantors. Amount Requirements General requirements for the amount of venture loan: the maximum amount shall not exceed 70% of the total amount of working capital, purchasing (installing or repairing) small equipment (machines and tools) and franchising; 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; The interest rate of personal business loans can fluctuate within the prescribed range. The repayment method of the loan is 1, and the loan term is within one year (including one year). If the loan term is one year, it can be repaid in the form of matching principal and interest or matching principal, or in other ways agreed by both parties. The relevant preferential policies depend on your local government. Some local governments are trying their best to help private enterprises and individuals with their entrepreneurial spirit and encouragement.