1. To apply for an interest-free loan for college students' entrepreneurship, the object supported by the Entrepreneurship Promotion Association must be between 18-35 years old.
2. To apply for interest-free loans for college students' entrepreneurship, they must be unemployed young people who have a good entrepreneurial plan or entrepreneurial ideas, lack of funds and experience, have not started a business or have been registered for business for less than one year, and apply for the support of entrepreneurial start-up funds.
3. To apply for interest-free loans for college students, they must have entrepreneurial dreams and entrepreneurial spirit, have learning ability, innovation ability, teamwork ability, independent management ability, have sustainable development potential, have no bad personal loan records, and have a good credit degree.
4. Young people who apply for interest-free loans for college students to start businesses must have local hukou, and the local government should encourage special groups such as college students, disabled youth, village officials and reeducation-through-labor personnel to start their own businesses.
What information should I submit to apply for an interest-free loan for college students' entrepreneurship?
1, the identity certificate of the borrower of college students' entrepreneurial loan;
2. The borrower's students are required to provide student ID cards and transcripts;
3. Graduates are required to provide graduation certificates and degree certificates;
4. Reconciliation list of ordinary passbook or bank card of the borrower in the last six months;
5. Other credit certificates of the borrower (if any): scholarship certificate, certificate of class cadres, certificate of community activities, and certificates of various honors/social returns, such as blood donation and voluntary teaching.
What are the preferential policies for interest-free loans for college students' entrepreneurship?
1, giving priority to loans and granting credit loans appropriately.
According to the relevant national policies, financial institutions can give priority support to college graduates who can provide effective asset mortgage or quality customer guarantee. For college graduates' entrepreneurial loans, the guarantor can provide corresponding joint guarantee for their families or immediate family members' stable income or effective assets. Eligible users can also apply for credit loans.
2. Simplify the loan procedures.
By simplifying the loan procedures, the credit line is reasonably determined and used within a certain period of time.
3. Preferential interest rate
Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.
Preferential Policies of Interest-free Loans for College Students' Entrepreneurship in Yantai City;
1. The borrower can apply for a small secured loan with a maximum amount of100000 yuan;
2. If the borrower obtains the business license for the first time and has been operating normally for more than one year, he can get a one-time business start-up subsidy of 1000 to 3,000 yuan;
3. When starting a business, if the borrower accepts people with employment difficulties, signs a labor contract with them for more than 1 year, and pays social security for them, it will be subsidized by 40% of the average salary of employees in the province in the previous year within 3 years;
4. If the borrower rents the business premises, it can enjoy a subsidy of 50% of the rental fee for two years, with the maximum subsidy not exceeding 10000 yuan.
Second, how can I get a loan without assets and want to start a business?
I personally recommend China Postal Savings.
Postal savings business is a loan product launched by China Postal Savings Bank for farmers and merchants (small business owners). Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs.
Business type:
◆ Farmers' joint guarantee loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan.
◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan.
Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).
◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas).
◆ Time deposit loan: refers to the time deposit saved by myself or others, and you can enjoy the loan of 90% of the time deposit (the repayment period should be before the time deposit expires).
Processing flow:
You just need the borrower to form a joint insurance team or find a guarantor and bring your ID card. If you are a merchant, you need to bring your business license, apply to the established outlets and accept the investigation and approval. After signing the contract, you can get the loan.
Repayment method:
◆ One-time principal and interest repayment method
◆ Equal principal and interest repayment method
◆ Repayment by installment (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment after the grace period).
Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it.
Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution.
Rural credit cooperatives handle individuals
Rural credit cooperatives specialize in investment management and provide investment loans to the society through internal cooperation between banks.
1. Lending target: individuals and enterprises lend money on the same day (free of mortgage, guarantee, convenience and confidentiality).
1: personal loan (credit loan), loan amount (1 10,000-200,000), term 1-3 years, loan interest rate: monthly interest rate (1.8%).
Requirements: (1) I need to provide a copy of my valid certificate (such as ID card and household registration book), detailed home address and home fixed telephone number.
Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval.
2. Corporate loan: loan amount (65438+ million-500,000), term (1-3 years), loan interest rate: monthly interest rate (1.8%).
Requirements: (1) Copy of business license, tax registration certificate, organization code certificate and legal representative's ID card.
Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval, and make payment within 1-2 days at the earliest.
3. Self-employed loan: loan amount (65438+ million-500,000), term (1-3 years), loan interest rate: monthly interest rate (1.8%).
Requirements: (1) Copy of business license, tax registration certificate and ID card.
Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, and after verifying the submitted materials, it can give the customer a clear answer on whether to approve the funds within 1 hour.
Advantages of the loan: If the loan is unsuccessful, there is no charge.
1. Optimization of repayment method (paying interest on a monthly basis and repaying the principal when due);
2. The use of the loan is not restricted;
3. The loan amount is large, the next payment time is fast and the process is short;
4. There is no penalty interest for repaying the loan in advance;
5. Long loan period and quick and simple procedures;
6. If the loan is not processed successfully, the customer will not be charged any fees.
Third, the loan process:
Customer application-
Please consult the local postal savings for details.
3. How can I get a loan if I want to start a business without funds?
Banks generally do not have the business of' personal unsecured and unsecured microfinance'.
Look at the story of how 300 yuan started his own business here:
Entrepreneurship is inseparable from capital, and business is inseparable from capital. However, more people are stuck at the crossroads of entrepreneurship because they don't have the capital to start a business. So where is the capital for starting a business? where is the money to come from?
Money is in other people's pockets, money is in the bank, there is no venture capital, only from other people's pockets, from the bank. At the beginning of my business, I was poorer than anyone. I am so poor that I can't eat more than half a catty of pork for more than ten days. Because I am poor, I am committed to changing the status quo. I've been thinking about how to make more money all day.
The method has been thought out and things have been done. After I learned about the low-priced wholesale market of some toys, I borrowed 300 yuan from my friend to approve some products for wholesalers, but I didn't sell them on the beach like others. Instead, I went to the printing department to print more than a dozen business cards, and then raised the price of the products a little bit to make wholesale orders, took the products to the shops and toy stores at the school gate to sell, and gave them the goods I bought in 300 yuan as samples for reference. Because the products are novel and low in price, I really received several orders within a few days, and then I took their orders for purchase and delivery, so I earned four or five hundred yuan a week. Even better than selling it yourself. In fact, I don't have the ability to open a shop, but the method I use is better than anyone else, because I think of a problem: if I open a shop, it's just a shop that sells my goods, and I do wholesale for everyone, and there are ten stores that buy my goods, then there are ten stores that sell my goods, which means I have opened ten sales stores! My idea is correct and my practice is correct, which is also the first step of my career.
Soon after, I received a letter from a friend in the information field in Shandong, which contained a book. In addition to some information about getting rich projects, there are more similar products I am selling. And his wholesale price is much higher than that of my wholesale products, which is basically close to my retail price, so I know it through various channels. Finding such a high price, his wholesale business was not bad, so he tried to print some products and mail them. Of course, the price is much lower than that in Shandong, because I know that everyone's funds are hard-won and not much, so I will give entrepreneurs more profits, which will encourage everyone's efforts, and only their success is their own development. The wholesale price I ordered was the lowest among my peers, which was a success. It is also feasible to sell wholesale through letters. In terms of letter sales alone, the monthly net profit is also five or six thousand yuan.
The cost of credit sales is not very high. We only need 15 cents to print a set of quarto red printing, plus 70 cents of printing materials and 10 cents of labor. In that case, the cost of a letter is about one yuan, and the investment of sending 5000 copies is about 5000 yuan, but it can bring you a profit of 5000 yuan, and the profit rate is as high as 100%. And you can stay indoors, and you don't have much time. It can be done without facade, which greatly saves the cost.
After I do a good job of marketing, I thought of a lower-cost product advertising method, which is to directly publish the wholesale price of products. I chose places where there are many people such as stations and business districts to publish product prices. As long as they are adults and people with spending power, I will send them product price lists. I openly compare the wholesale price with the retail price, and at the same time set the starting batch only in 200 yuan. In this way, many migrant workers can't find jobs for a while, and they all ask us to wholesale some products to set up stalls. Some migrant workers see that our products have more profits to make, and when they enter the goods, they simply go home to sell products and stop working for others. After all, everyone can't work all his life. As long as there are good products and good projects, everyone is more willing to do business!
Although I have not achieved greater success, I am also very happy that I can earn 10,000 to 20,000 yuan a month at present. More importantly, how happy I am to start my own business and do my own thing.
I don't have a job now, and I want to borrow 60 thousand yuan from the bank to start a business. What formalities do I need?
If it is a rural hukou, you can apply for the Postal Savings Bank.
Postal bank loan is. For two customer groups. 1, for farmers, it should be engaged in farming and planting. Get married. Find one or two guarantors, and you can borrow up to 50 thousand.
2, it is aimed at merchants. You should have an industrial and commercial business license and have been operating normally for more than three months. And find one or two guarantors, and the maximum loan can be 654.38+ 10,000. It takes about a week from your application to approval, and the money will be transferred to your current account opened in the Postal Savings Bank.
There are also venture loans: if the loan amount is less than 1 1,000 yuan, only one guarantor is needed, and if it is more than 1 1,000 yuan, two guarantors are needed without any mortgage.
The object of this loan is farmers, urban self-employed and micro-enterprise owners (including sole proprietorship owners, partnership partners, individual shareholders of limited liability companies, etc.). ). The maximum loan amount for farmers is 50,000 yuan, and the maximum loan amount for merchants is 654.38+ 10,000 yuan.
There are two ways to apply for a loan: guarantee or joint guarantee. The guarantor of the guaranteed loan must have a fixed occupation or a stable income. If two people guarantee it, one of them must be a civil servant, a teacher, a doctor, a public institution or a formal employee of a large and medium-sized enterprise; A joint guarantee form can be composed of 3-5 lenders, who bear joint liability.
There are three repayment methods for postal savings: one-time repayment of principal and interest (with a term of 3 months), equal repayment of principal and interest (with a term of 1 year) and installment repayment (with a term of 1 year).
Usually, short-term loans issued by financial institutions are due to repay principal and interest, while the first repayment method of Postal Savings Bank is due to repay principal and interest, and the other two repayment methods will increase the real interest rate of loans. Considering the time value of funds, calculate the real interest rate of the two repayment methods:
(1) repayment method of equal principal and interest: the nominal loan interest rate is 65,438+05.84%, and the actual loan interest rate is 65,438+07.04%, which is calculated according to compound interest;
(2) The real interest rate of postal savings loan is18.57% on the basis of the one-year fixed deposit rate stipulated by the central bank;
(3) The real interest rate of postal savings loan is 22.7 1% based on the one-year loan interest rate stipulated by the central bank.
(2) Repayment by installment: the nominal interest rate of the loan is 15.84%,
(1) Calculated by compound interest, the actual loan interest rate is17.04%; (2) The real interest rate of postal savings loan is17.49% on the basis of the one-year fixed deposit rate stipulated by the central bank;
(3) The real interest rate of postal savings loan is 20. 1% based on the one-year loan interest rate stipulated by the central bank.