The application process of college students' entrepreneurship loan is as follows:

1. Prepare the relevant application materials and certificates first, and then apply for a loan at the Student Pioneer Park Management Service Center.

2. College Students Pioneer Park Management Service Center will review the materials.

3. After the first trial is passed, the relevant departments will review the loan information, determine the loan amount and loan object, and verify the discount amount.

4. After approval, the discount object and amount will be publicized.

5. After publicity, the Personnel Bureau will send the approval notice to the loan college students.

6. Then the Finance Bureau allocates funds from the special funds to support college students' entrepreneurship, so that the loan application is completed.

Second, how to borrow commercial loans?

Business loans are applied to local rural credit cooperatives without interest.

All my friends have taken out loans.

Third, how to borrow commercial loans?

What do you do? Are you a college student? You can apply for government subsidies. The company has been registered for half a year and can submit an application within one year. Is there a provident fund for the loan?

4. What are the conditions for starting a business loan and how much can I borrow?

situation

1. identification and business premises

The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

2. Proof of funds

The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

3. Settlement account

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

4. Letter of loan guarantee

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

Interest on risky loans

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

Generally speaking, the interest rate of college students' entrepreneurial loans can be lowered by 20% according to the same grade interest rate stipulated by the People's Bank of China, and some local governments also discount it. The term of venture loan is generally 1 year, and the longest is no more than 3 years.