College students' entrepreneurial loans are all, and the loan amount is not high, which is generally controlled within tens of thousands of yuan. Borrowing students need a guarantor to guarantee themselves in the process of applying for business loans. The guarantor requires good economic ability and credit. When evaluating the loan amount of borrowing students, it is usually that the better the guarantor's qualification, the higher the loan amount that borrowing students get. At the same time, the entrepreneurial project of the borrowing student and the performance of the borrowing student during school will affect the amount of entrepreneurial loans he can apply for.
Upper limit of college students' entrepreneurial loans-Shanghai
In order to encourage graduates to start businesses, Shanghai has set up an "angel fund" for college students to start businesses. The "angel fund" for college students' entrepreneurship is up to 300,000 yuan, and college students can get 500,000-300,000 yuan for entrepreneurship.
The amount of funding for entrepreneurs and individual entrepreneurial projects under the "Entrepreneurship Eagle Plan" is no more than RMB 200,000.
The amount of funding for the "Entrepreneurship Eagle Program" does not exceed 500,000 yuan.
The Upper Limit of College Students' Entrepreneurship Loan —— Chongqing
University graduates who have not been employed for more than half a year and have a fixed account can register in the neighborhood Committee where the account is located and apply for a bank mortgage or secured loan of 3,000 to 4,000 yuan; In addition, in order to adapt to the changes in the employment situation of college students, in the past two years, Chongqing has successively introduced measures such as self-employment of college students, equal opening of employment resources and employment market to local and foreign students, and created more employment opportunities for college graduates.
The Upper Limit of College Students' Entrepreneurship Loan —— Taiyuan
Taiyuan registered unemployed college graduates who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan.
The Upper Limit of College Students' Entrepreneurship Loan —— Fujian
Self-employed college graduates can enjoy various forms of discount policies such as small secured loans, with a maximum discount loan amount of 50,000 yuan.
The Upper Limit of College Students' Entrepreneurship Loan —— Qingdao
Qingdao allocated100,000 yuan to set up the "Qingdao College Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams with more than two people can be relaxed to 200,000 yuan.
Where Dongguan registered college students apply for self-employment and self-employment, and the borrower provides effective mortgage (pledge) counter-guarantee, the secured loan amount shall not exceed 80,000 yuan (including 80,000 yuan); If the borrower provides a third party with a fixed income source as a joint and several liability guarantee for counter-guarantee, the secured loan amount shall not exceed 50,000 yuan (including 50,000 yuan); If the borrower cannot provide counter-guarantee, the secured loan amount shall not exceed 30,000 yuan (including 30,000 yuan). If a small and medium-sized enterprise is established in the form of partnership or organization, according to the counter-guarantee provided by the borrower, the guaranteed loan amount is 200,000 yuan, 6,543.8+0.5 million yuan and 6,543.8+0.5 million yuan respectively. The term of secured loans is generally not more than two years.
How do college students get a loan of 20,000 yuan?
1, WeChat micro-loan
The daily interest rate of WeChat micro-loan is 0.05%, and the annual interest rate is 18.25%. The repayment method is equal principal repayment, and the repayment period is flexible. There are three options: 5 months, 10 months and 20 months. If you want to repay in advance, it is also free of liquidated damages. It is very important that the amount of small loans is between 5 million and 300 thousand. Everyone has a different loan amount according to their own conditions. 20 thousand loan, see if your own conditions are met.
2. Bank credit loans
The credit loan amount of a bank depends on individual circumstances. You can't know exactly how much you can borrow, but the loan amount of a general commercial bank is between10-300,000. The specific interest rate level is subject to the approval of the bank counter, and the loan of 20,000 can be completely solved.
3. China Merchants Bank E invites loans
The application method of China Merchants Bank E is simple. There is no need to agree on the loan period when applying, and only the minimum amount needs to be repaid every month. China Merchants Bank E can borrow up to 300,000 yuan, and the daily interest rate of China Merchants Bank E is 0.04%.
4. Cash installment
Credit cards have cash installment business, which is generally not recommended and the handling fee is relatively high. The installment interest rate of 12 is 0.75%, and the corresponding annual interest rate is 17.68%. It is divided into three installments with the interest rate of 0.95% for each installment and the corresponding annual interest rate of 19.27%. Once the application is submitted, it cannot be cancelled. No matter when the repayment is made, the handling fee and interest cannot be less.
5. Sorry
I have to mention borrowing money. The threshold for applying for borrowing money is more than 600 sesame points. According to different scores, the loan amount that users can apply for ranges from 1000 to 50,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
The above is an introduction to Bian Xiao. Everyone's loan qualification is different, so everyone's loan amount is different, but the loan amount of several channels can reach 20 thousand yuan, and emergency is enough.
What is the monthly student loan of 24,000 yuan before graduation?
The national student loan of 2000 yuan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for students from poor families in ordinary colleges and universities under the conditions of socialist market economy. Borrowing students apply for loans from the bank through the school to make up for the lack of tuition, accommodation and living expenses during their studies at school. After graduation, the repayment will be made in 12 installments, and the student loan will be 24,000 yuan. If interest is not included, they have to pay back 2000 yuan every month.
How much interest does a college student need for a four-year loan of 25,000 yuan? Loan 19 years.
How much interest does a college student need for a four-year loan of 25,000 yuan? Loan 19 years.
Total interest =5364.35 yuan, interest paid by the state in the first four years =33 18.38 yuan, and residual self-generated interest =2045.97 yuan.
What are the requirements for college students' loans?
First, the conditions for applying for student-origin credit student loans should be met.
1. The lender has full capacity for civil conduct, is honest and trustworthy, and abides by laws and regulations.
2. Freshmen or students who have been officially admitted to full-time ordinary undergraduate colleges, higher vocational schools and junior colleges (including private colleges and independent colleges, the list is subject to the announcement of the Ministry of Education) and have obtained a true, legal and effective admission notice.
3. The borrower, * * and the borrower's pre-school household registration and their parents (or other legal guardians) household registration are all in the county (city, district).
4, family economic difficulties, in line with one of the following characteristics, and provide corresponding proof materials:
(1) Rural poor households and urban low-income households (proof materials: urban and rural low-income passbook or poverty proof materials issued by township civil affairs offices and neighborhood committees).
(2) Orphans and disabled families (certification materials: orphan certificate, disability certificate or certificate of township civil affairs office and neighborhood committee).
(3) Suffering from natural and man-made disasters, resulting in heavy losses, unable to afford the students' fees (certification materials: certificates from township civil affairs offices and neighborhood committees).
(4) Family members suffering from serious diseases (proof material: diagnosis certificate of hospitals at or above the county level).
(5) The creator of the family's main income loses the ability to work for some reason (proof material: certificate from the township civil affairs office and neighborhood committee).
(6) Single-parent families with no stable income (certification materials: certificates from township civil affairs offices and neighborhood committees).
(7) Families with unemployed parents or one of them (certification materials: certificates from township civil affairs offices and neighborhood committees).
(8) The total cash income of the family in the previous year was less than 8,000 yuan (proof material: certificate from the township civil affairs office and neighborhood committee).
Two, apply for student credit loan materials should be submitted.
1. Freshmen apply for loans and submit the following materials:
(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic form copied by U disk, 2 paper originals).
(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).
(3) The borrower's admission notice (show the original and hand in 2 copies).
(4) Proof of family financial difficulties (1 original and copy).
(5) Bank card discount handled by the borrowing students at the local postal savings office (show the original for future reference and hand in 2 copies).
2, college students apply for a loan for the first time, submit the following materials:
(1) Borrower's household registration book and valid ID card (show the original and submit 2 copies).
(2)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).
(3) Application Form for Identification of Poor Students in Colleges and Universities (1 original and photocopy). #p# Subtitle #e#
(4) Proof of family financial difficulties (1 original and copy).
(5) Bank card deposited by the borrower in the local postal service (show the original for checking and hand in 2 copies).
(6) Borrowing students show their student ID cards and hand in 2 copies.
3. When college students apply for loans for the first time (in 2008 and 2009, and in 20 10, they apply for renewal of loans), they shall submit the following materials:
(1) Application Form for Student-origin Credit Student Loan of China Development Bank (electronic version of U disk, 2 original paper copies).
(2) The borrower's household registration book and valid ID card (show the original and hand in 2 copies).
(3)*** With the payee's household registration book and valid ID card (show the original and hand in 2 copies).
(4) Borrowing students show their student ID cards and submit 1 copy.
Extended data:
There are generally two kinds of student loans commonly used by college students: national student loans and student credit student loans. The national student loan is a bank loan led by the government, subsidized by the government, and operated by banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Student-origin credit student loan refers to the student loan issued by China Development Bank to eligible college freshmen and students with financial difficulties, which is handled in the county (city, district) where the students are registered before entering school. The loan funds are mainly used for students to pay tuition and accommodation fees during their school days. Student-origin credit student loan is an important part of college student loan.