Interest-free loans for college students' entrepreneurship are related policies issued by the state to encourage entrepreneurship and promote employment, and the interest is subsidized by the government. Let's see how self-employed college students apply for interest-free loans.
According to state regulations, college graduates have not been employed for more than 6 months after graduation and have registered as unemployed in the local labor and social security department. You can apply. Small-scale venture loans provided by the state are subsidized by the government, with a term of 1 ~ 2 years. After two years, they will no longer enjoy financial benefits. The loan method is guarantee and mortgage (pledge) loan. The specific operation method can be consulted with the local labor and social security bureau.
The project must conform to the national industrial policy and regional economic development, and have good economic and social benefits. The applicant for this kind of loan is 18 to 45 years old China citizen with full civil capacity; , good reputation, no bad record; The loan applicant must have a fixed residence or business premises; Business license and business license, stable income and debt service ability; Projects invested by entrepreneurs need to have their own funds. Only with the above conditions can you apply to the bank. When applying, you need to provide proof of marital status, personal or family income and property status and other repayment ability documents; 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.
The maximum amount of venture loan shall 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.
For personal business loans with a loan term of less than one year (including one year), the principal and interest will be repaid in one lump sum, and the benefits will be paid off with the principal; For personal business loans for more than one year, the repayment method of loan principal and interest can be the matching principal and interest repayment method or the average capital repayment method, or other repayment methods agreed by both parties.
Precautions:
Every bank has different conditions for interest-free loans, but the above contents must be met and there will be more relevant procedures. Prepare all the information before the loan to avoid wasting time running back and forth.
Second, preferential policies for college students' entrepreneurship
Post a message in Chengdu for reference: college students should first make it clear that they need loans and choose appropriate channels to obtain funds to start their own businesses: college graduates who lack self-financing in Chengdu can apply for a small secured loan of not more than 50 thousand yuan; Partnerships and employment organizations can be fully subsidized by the government according to the actual number of people within 3 years. "If you need less than 50,000 yuan, you can apply for YBC (Youth Business China)." In the new measures, Chengdu will definitely promote the "YBC" and "Syndicate Interaction" projects, which is another channel for college students to obtain venture capital loans, and the Chengdu Municipal Committee of the Communist Youth League is responsible for it. Mu said that college students who need less than 50,000 yuan to start a business can apply to Chengban. After evaluation, YBC will provide them with 30,000-50,000 yuan of interest-free, unsecured and unsecured start-up capital, and assign them entrepreneurial mentors. If the funds are in the "1 interactive" project, eligible entrepreneurial youth can get a credit guarantee loan of less than 200,000 yuan, and the loan interest rate and guarantee rate can be appropriately preferential for entrepreneurial projects recommended by the Communist Youth League. Preferential policies should be enjoyed by all college students in the past.
3. How do Chengdu graduates apply for interest-free loans to start businesses?
Preferential interest rates for project loans recommended by the Communist Youth League organizations.
Q: I want to start my own business after graduating from college this year, but I lack funds and need to borrow tens of thousands of yuan. What channels can I seek financial support?
Mu, director of the Communist Youth League Committee, said that college students should first make clear the amount they need to borrow in order to choose a more suitable channel to obtain funds. The first channel is to start their own businesses in Chengdu: college graduates who lack self-financing in Chengdu can apply for a small secured loan of no more than 50,000 yuan; The employment of partnership organizations can be relaxed to 200,000 yuan according to the actual number of people, and the loan will be fully subsidized by the government within 3 years.
"If you need less than 50,000 yuan, you can apply for YBC (Youth Business China)." In the new measures, Chengdu will definitely promote the "YBC" and "Syndicate Interaction" projects, which is another channel for college students to obtain venture capital loans, and the Chengdu Municipal Committee of the Communist Youth League is responsible for it. Mu said that college students who need less than 50,000 yuan to start a business can apply to Chengban. After evaluation, YBC will provide them with 30,000-50,000 yuan of interest-free, unsecured and unsecured start-up capital, and assign them entrepreneurial mentors. If the capital is about 654.38+10,000 yuan, you can apply for the "syndicated interaction" project. Eligible entrepreneurial youth can get a credit guarantee loan of less than 200,000 yuan, and appropriate preferential treatment can be given to entrepreneurial projects recommended by the Youth League Organization.
Preferential policies should be enjoyed by all college students in the past.
Q: I graduated from a university in another province in 2008. Can I enjoy preferential policies? Are these policies limited to fresh graduates?
"University graduates from all over the country can come, and Chengdu encourages outstanding college students from other places to start businesses." Huang Tonggui, director of the Student Employment Guidance and Market Management Department of the Municipal Personnel Bureau, said that all college graduates who graduated after 2004 can register, and the students are not limited to Chengdu or Sichuan. As long as the entrepreneurial project passes the evaluation, they can get up to 50 thousand. At present, the relevant departments in Chengdu are formulating the application procedures and conditions for college students, which are expected to be introduced in the near future. Huang Tonggui said that the new 17 measures introduced by Chengdu this time are aimed at ordinary college graduates, excluding graduates from adult universities and TV universities.
"In the field of entrepreneurship, there are no restrictions on the graduation years of college students and the location of graduation schools. It's just that there are restrictions on the location of entrepreneurship and you must start a business in Chengdu. " Mu Taoyong said that YBC has a wide range of market access and "syndicated interaction" projects. As long as college students who graduated in recent years start their own businesses in Chengdu, they can apply. The key is to have a good project, and sometimes even a very creative entrepreneurial idea can get hundreds of thousands of loans. At the same time, some supermarkets and even entrepreneurs such as battery car repair can also apply for YBC plan.
Chengdu policy consultation contact information
1) The telephone numbers of the Organization Department of the Municipal Party Committee and the Municipal Personnel Bureau are 86633278 and 61882692 respectively; Consultation: Recruit civil servants and managers of public institutions at all levels to recruit college graduates with more than 2 years of grassroots work experience.
2) Tel of Municipal Science and Technology Bureau: 61881720; Consultation: College graduates' business incubation investment.
3) Municipal Personnel Bureau Tel: 61882692; Consultation matters: college graduates serve urban and rural grass-roots projects, college graduates' employment practice, employment assistance for college graduates from poor families, personnel agency services for self-employed college graduates, professional and technical qualification evaluation of grassroots college graduates, and "national student loan program".
4) Municipal Labor and Social Security Bureau Tel:12333; Consultation matters: enterprises founded by college graduates recruit job subsidies for college graduates who are employed for the first time, and college graduates start businesses.
One-time subsidy for successful start-up, employment introduction subsidy recommended by intermediary agencies for college graduates, employment training vouchers for college graduates, job subsidies for all kinds of enterprises to recruit college graduates from this city for the first time, and small secured loans for college graduates to start their own businesses.
V) Telephone number of Municipal Bureau of Commerce: 61883700; Consultation: Qualified technologically advanced service outsourcing enterprises recruit college graduates to engage in service outsourcing training subsidies.
6) Tel: 853943 1 1, 8539431; Consultation: business registration policy for college graduates.
7) City Housing Authority Tel: 86279772; Consultation: Low-rent housing for college graduates.
VIII) Tel of the Youth League Committee: 86130411; Consultation matters: College Graduates Pioneer Park, College Graduates Entrepreneurship Project Resource Bank, "YBC" (Youth Business China) and "Consortium Interaction" projects.