Bank of China provides commercial loans for college graduates. The limit of entrepreneurial loans for college graduates is: for eligible individuals, the maximum loan amount is adjusted to 654.38+10,000 yuan. For partnership enterprises, the loan scale can be appropriately expanded according to the number of people and business projects. For a partnership with more than three persons (inclusive), the loan scale shall be reasonably determined according to 50,000 yuan per capita, and the total amount shall not exceed 200,000 yuan. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
College students' entrepreneurial loans can reach up to 50 thousand. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The municipal finance gives the local finance 60% discount interest funds, and it is good to go to the bank to borrow college students' entrepreneurial loans with ID cards and household registration books.
Where can I borrow college students' entrepreneurial loans?
College students' entrepreneurial loans recommend Moore Long. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year.
The specific process of college students' entrepreneurial loans is as follows:
1. Bring relevant materials to the Human Resources Department for application.
2. The local community department will accept the applicant's application materials after receiving the application and accepting the relevant materials.
3. The human and social departments shall conduct preliminary examination, check whether the applicant meets the loan conditions, check whether the materials are complete, and evaluate the applicant's entrepreneurial ability.
4. After passing the preliminary examination, the human society department shall submit it to the higher human society department for review.
5. If the applicant needs to provide guarantee, the guarantee institution shall strictly examine the loan application and guarantee application provided by the applicant and the counter-guarantee measures provided.
6, by the handling bank, guarantee institutions and local departments to review the loan project.
7. Sign various contracts according to the audit results.
For more information about loans, please consult Mollon. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.
What platforms are there for college students' loans?
Hello, dear, there are several platforms for college student loans:
I accept a loan.
My loan APP claims to be the fastest platform for college students to borrow money. The amount is 300-3000 yuan, the loan interest is 1%-2%, and the loan term is 1 month -6 months. After college students register successfully, they can borrow money quickly by filling in relevant information and taking photos with their ID cards and student ID cards.
My loan amount is 300-3000 yuan, loan interest is 1%-2%, and loan term is 1 month -6 months. Review the next payment on the same day. It only takes three minutes to pass the audit quickly.
Second, the famous school loan
Famous School Loan APP is a college student loan APP launched by Pounder in Nuo Nuo. Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Just register and fill in the student status information to apply. Maximum loan amount 100-50000. The handling fee for borrowing money is 0.99%, calculated on a monthly basis. Funds can be received within 48 hours after borrowing.
Third, college students' loans.
Jiurong Finance mainly offers college students' loans, entrepreneurial loans, school grass loans, school flower loans and emergency loans. The borrower of Jiurong Finance College Student Loan can apply as long as he is a college student or above, and he only needs to prepare his student ID card and ID card. The monthly interest rate is 0.98%, and the amount is100-50,000 yuan. In order to facilitate the emergency needs of college students, Jiurong Finance has specially launched emergency loan products, which are faster and easier to approve. The unified amount is 2000 yuan, which can be paid within 3 hours.
Fourth, lightning learning loans
Lightning Learning Loan provides the most flexible loan amount, providing loans for college students from 300 yuan, 500 yuan and 800 yuan. According to college students' repayment ability, flexible repayment periods as short as 7 days and as long as 15 days are provided.
Verb (abbreviation for verb) University loan
Mainly for college students, loans of 1 0,000 yuan are provided in 500 yuan and 800 yuan, and the loan period is 10-40 days. Family U charges a service fee (250. 1%/ day) for each successful loan.
Sixth, U-nation University Loan APP.
U-Family University Loan is a loan APP for college students' various consumption habits. The loan amount is1000-3,000 yuan, the loan term is 3-6 months, and the handling fee rate is 1.2%- 1.9%. The longer the loan term, the higher the interest rate.
Seven, flash silver APP
52 "people (2 years before graduation, 5 years after graduation), Flash Silver APP only needs an ID card and a bank debit card to get a loan, and the monthly handling fee rate is 1.5%-2%. The funds can arrive on the same day.
Eight, lightning learning loan APP
Lightning learning loan is a mobile phone software for college students' cash lending launched by Shanghai Zhuxin Finance. The biggest feature of the Android version of Lightning Learning Loan is that it can help college students solve their urgent needs. No matter they need urgent money in life, study and entertainment, they can use lightning loan to borrow. Lightning Learning Loan provides college students with loans ranging from 300 yuan, 500 yuan and 800 yuan, and it also makes a flexible repayment cycle as short as 7 days and as long as 15 days according to college students' spending power, which is very convenient.
However, it is suggested that college students should not spend in advance and use online loans, which will have a great impact on themselves if they are overdue.
I hope this answer can help you.
Special loan conditions for college students
Application conditions of college student loan policy: 1. Fresh graduates and college students within two years of graduation; 2. College degree or above; 3. 18 years old or older; 4. Have a stable economic income and be able to repay the loan principal and interest on time; 5. Be law-abiding, and have no illegal acts and bad credit records. Articles 11, 12 and 13 of the Interim Measures for the Administration of Personal Loans.
Formal loans that college students can apply for.
First, student loans. The student loan for college students is issued to students with financial difficulties, which is used to pay for tuition and accommodation during their stay at school. This kind of loan is divided into two categories: one is the national student loan, and the other is the student source credit student loan.
Secondly, college students' entrepreneurial loans are mainly used for college students with entrepreneurial needs. They are unsecured and unsecured credit loans issued by banks and other financial institutions to college students. College students' entrepreneurship loan is specially set up to encourage college students to start their own businesses. The application conditions are 18 years old, college degree or above. Fresh graduates or college students who have graduated for less than 2 years can apply. The loan cost of this kind of loan is relatively low, and the loan amount is related to the credit rating. Provided by way of guarantee or mortgage (pledge), with a term of 1-2 years, and no financial discount after 2 years.
General consumer finance loans are generally not open to college students. Because consumer finance loans mainly lend money to users with consumer demand, as college students, they should control their consumer demand reasonably without income.
Conditions and procedures for applying for college students' entrepreneurial loans
College students' entrepreneurship is an entrepreneurial process with college students and graduates as the main body of entrepreneurship. College students can realize their ideals and prove their value through successful entrepreneurship. When college students lack venture capital, they need loans. What are the conditions for college students to start a business loan? The following are the application conditions and procedures for college students' entrepreneurial loans that I have compiled. Welcome to read!
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Conditions for applying for business start-up loans
1. Applicant 18 years of age or older, holding a second-generation resident ID card, can provide a stable business place;
2. The applicant must have a business license and a business license of related industries, and have a stable income and the ability to repay the principal and interest;
3, need to have a certain amount of venture capital, and the use of venture loans in line with the relevant provisions of the state.
Application process of risk loan
Eligible friends can prepare the Approval Form for Self-employment of College Graduates and other related documents, and follow the following steps:
1. Bring relevant information to the local personnel bureau for application, and the personnel bureau will review the information you provided first;
2. After the approval, the Personnel Bureau will issue a recommendation form, and then submit it to the district/county or municipal guarantee institution for approval;
3. After approval, there will be a guarantee institution to verify the lender's guarantee;
4. After the loan is appraised, both parties sign a guarantee contract and wait patiently for the institution to lend money.
To sum up, if you meet the requirements of venture loan, you can bring relevant information and consult with a professional venture loan website or bank. Now the country has introduced many preferential policies, and the requirements of each region are different, so you can learn about it directly.
How much can college students borrow for starting a business?
Among the individual entrepreneurship loans, there are different provisions on the loan amount between college students' individual entrepreneurship loans and youth entrepreneurship loans. The amount of this college student's entrepreneurial loan has its own policies and regulations all over the country. Let's look at the rules of some big cities.
Entrepreneurs in Beijing-Chongwen District can get a loan of up to 500,000 yuan, and the district finance will give preferential treatment.
Shanghai-Shanghai has set up an "angel fund" for college students' entrepreneurship. The maximum loan for college students to start a business is 300,000 yuan, and college students can get 50,000-300,000 yuan for starting a business. "Angel Fund" consists of two kinds of venture funding schemes, namely "Venture Eagle Plan" and "Venture Eagle Plan". Provide financial assistance to young entrepreneurs in two ways: creditor's rights and equity, and provide corresponding follow-up support and services.
The "Young Eagle Project" refers to the way that the Foundation issues micro-credit loans to start-ups through entrusted banks. The loan period is two years, half of the principal is repaid in equal monthly installments, and the other half is repaid after the loan expires. The amount of funding for entrepreneurs and individual entrepreneurial projects shall not exceed RMB 200,000.
"Entrepreneurial Eagle Plan" refers to the funding mode that the foundation and the applicant jointly contribute to the establishment of an entrepreneurial enterprise, and the holding institution holds shares in the entrepreneurial enterprise. Projects funded by the "Entrepreneurship Eagle Program" must have technical content or certain business model innovation. The amount of funding does not exceed 500,000 yuan. The self-raised funds of the entrepreneurial team should be higher than the amount of fund support. During the capital contribution period (3 years), the equity of the company held by the Fund will not participate in dividends. After the capital contribution period expires, the equity will be withdrawn at the original price.
Chongqing-University graduates who have not been employed for more than half a year and have a fixed hukou can register in the neighborhood committee where their hukou is located and apply for bank mortgages and secured loans of 3,000 to 4,000 yuan.
Taiyuan-Taiyuan registered unemployed college graduates who want to start their own businesses can apply for a small secured loan with a personal business loan of not more than 50,000 yuan.
Fujian-According to the local college students' self-employment loan policy, college graduates can enjoy small secured loans and other forms of discount policies. The maximum amount of discount loans is 50,000 yuan, and the finance will give full discount within 3 percentage points of the benchmark loan interest rate announced by the People's Bank of China for the same period.
Qingdao-Qingdao allocated 10 million yuan to set up the "Qingdao University Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. College graduates can apply for college students' entrepreneurial 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.
Articles on the application conditions and procedures of college students' entrepreneurial loans;
★ You should know these points about the process of college students' entrepreneurial loans.
★ What are the requirements for college students' entrepreneurial loans-what are the application conditions for college students' entrepreneurial loans?
★ Application process of college students' entrepreneurial loan
★ Conditions and procedures for college students to apply for entrepreneurship subsidies
★ Application conditions for college students' venture loan guarantee
★ Application Process of Taizhou University Students' Venture Loan
★ Qingdao University Students' Entrepreneurship Loan Process
★ Preferential policies and application requirements for college students' entrepreneurial loans
★ How to apply for college students' entrepreneurial loans
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