It stands to reason that you should start with a loan of 20,000 to 50,000, because the university only needs money for starting a business and studying, so it generally won't be too much. The specific situation of each bank, the regulations are different, you have to go to each bank to ask, but there should be express restrictions in the State Council!
Second, how much can college students borrow for starting a business?
College students can borrow up to 80,000 yuan for starting a business, which generally lasts 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 participate in the SIYB training organized by the Communist Youth League and the labor department before applying for loans.
Take several provinces and cities as examples: registered unemployed college graduates in Taiyuan who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan. College graduates who start their own businesses in Fujian can enjoy the small-sum guarantee discount policy, and the maximum discount loan amount is 50 thousand yuan. Qingdao allocated 1 funds to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, and the highest loan amount is fully subsidized by the finance at the same level; The entrepreneurship of two or more teams can be relaxed to
College students' entrepreneurship loan is a credit loan for undergraduates and graduate students guaranteed by banks and other fund-issuing institutions. Governments at all levels in China have issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.
The procedure is more simplified. Where college graduates graduate or bid for private enterprises, they can pass the "green pass" in the registration hall of industrial and commercial departments at all levels, and the business scope will be open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, they are allowed to apply for border projects.
For those who apply to set up private enterprises in science and technology parks, high-tech parks and special economic 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 registration may first issue business licenses for their reference. Where intangible assets such as limited liability companies, intellectual achievements, industrial property rights and non-patented technologies are used as capital contributions, 40% of the registered capital is allowed to be deducted.
Third, how can I get a college student loan of 20,000 yuan?
If you are a college student and want to borrow 20 thousand, it is estimated that you can only look at the bank-bank aspect; Besides, we must be careful not to look for loan sharks. There is another way. At present, there are many platforms for college students' staging, such as cloud staging, fun staging, staging music and excellent staging, all of which can be loaned. I have borrowed thousands of buyers from "Cloud Staging" before, and I feel that this platform is not bad. It is much easier for these college students to borrow.
Fourth, how much can college students borrow?
College student loans can be 3000- 1 10,000 yuan. The interest is about 2% of the loan amount. Applicants for college students' entrepreneurial loans have reached the age of 18, have valid identity documents and legal residence permits in the area where the loan bank is located, and have a fixed residence or business premises. At present, the state has implemented preferential policies for college students with family difficulties, which has provided a lot of convenience for college students and reduced their burden. How many college student loans can I borrow? Applicants for college students' entrepreneurial loans have business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have the ability to stabilize income and repay principal and interest. Student loans should be applied to your local county-level student financial aid center, which is basically the local education bureau. College students need to apply for a loan from the financial aid center of the admitted university. After the school starts, the teacher will inform the relevant matters. Both kinds of student loan applications are very convenient. Be able to choose the one that suits you according to your own situation. After graduation, loan students will begin to pay off their student loans in accordance with regulations. Student loans are generally repaid through Alipay accounts. If it is overdue, remember to repay it as soon as possible. Alipay can make overdue repayment on the 20th of each month.