65438+ more than ten thousand, right? 1

Second, what is a student loan?

Education loan refers to unsecured loans through education, which is one of the products of bank credit loans.

The qualifications required for a loan are:

1, graduated from college or above;

2. No employment experience for more than 6 months after graduation, and registered with the local labor and social security department;

3. The loan applicant must have a fixed residence and business premises;

4. The loan applicant must apply for a business license and a business license, and have a stable income and the ability to repay the principal and interest;

5. The project invested by the loan applicant must have certain self-owned funds in addition to the loan;

6. Meet other loan conditions of the bank.

3. How much can fresh graduates borrow? Is it cost-effective to buy funds in Tian Tian Fund?

At this time, it depends on which school you graduated from and your credit limit. Under normal circumstances, the loan can be less than 654.38+10,000 yuan. It's not cost-effective to buy Tian Tian Fund, but I think it's risky.

Four, college students can apply for business loans within a few years after graduation.

College students can still apply for business loans after graduation. College students who start their own businesses within two years after graduation can apply for college students' entrepreneurship loans. After two years, he can still apply for a business loan, but not as a college student. There will be government subsidies for college students to apply for business loans, so if they want to apply for business after graduation, they should apply.

As for more than 2, there is no government subsidy at this time, and users need to pay.

Those who meet the application conditions for college students' entrepreneurial loans may apply for:

College degree or above;

Unemployed for more than 6 months after graduation, working locally.

When applying for such loans, three points are more important:

First of all, the loan applicant must have a fixed residence or business premises. Second, business license and business license, another point of stable income is that the projects invested by entrepreneurs have certain self-owned funds.

Only those who meet the above conditions can apply to the bank, and the materials to be provided when applying mainly include: proof of marital status and other repayment ability documents; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving collateral or pledge, need collateral if the collateral (pledge) is issued by the owner. Mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, and qualified guarantor guarantee. The payment amount is determined according to the specific guarantee method.

Loan term and amount requirements

The small-scale entrepreneurial loans provided by the state for college graduates are subsidized by the government, and will no longer enjoy financial discount after 2008.

Generally speaking, the amount of venture loan is required to be no more than 70% of the total amount of working capital, 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, including the working capital loan for production and operation; 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.

Loan repayment method

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 individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method, or other methods agreed by both parties can be adopted. The relevant preferential policies depend on your local government.