Credit loans are suitable for college students' loans. For example, you only need one ICBC employee as a guarantee, and you can get a loan of 20,000 yuan. As for credit loans, lenders can borrow up to 50,000 yuan if they need the guarantee of civil servants above the department level. Graduates who are engaged in self-employment shall be exempted from all administrative fees for registration management within 1 year from the date when the business department approves their operation. It is reported that individuals applying for re-employment can reach 20 thousand yuan; Self-employment to absorb laid-off workers, can be appropriately relaxed to 50 thousand yuan; For partnership enterprises, the maximum loan amount shall not exceed 400,000 yuan in principle. After the borrower is re-employed, he can continue to enjoy preferential policies such as tax reduction and exemption, industrial and commercial support, etc. According to the regulations, all graduates who are engaged in self-employment this year (except for industries restricted by the state) will be exempted from various administrative fees for registration management within one year from the date of approval by the industrial and commercial department. Re-employment can take the form of guarantor guarantee, real estate mortgage and securities pledge. Guarantors can guarantee not only legal persons, but also civil servants and employees of enterprises and institutions with stable income. When applying for a loan, you should apply to the neighborhood Committee of your community with the list of collateral (guarantee contract) and valid documents. Meet the conditions, the neighborhood committee to your street (town, township) recommended; The street (town, township) where it is located shall be reported to the labor and employment department of the county (autonomous county, city), and the labor and employment department shall, in conjunction with the financial department, conduct an audit within 5 working days, and send relevant information to the financial institution that undertakes the loan. The financial institution shall put forward its opinions within 5 working days, and if it agrees to the loan, it shall be directly issued to the loan applicant. The loan term does not exceed one year, and the loan can be renewed for one year. The interest rate shall be subject to the loan interest rate for the same period stipulated by the People's Bank of China. Business projects must comply with national policies and regulations, except for industries restricted by the state, such as construction, advertising, sauna, internet cafes, oxygen bars, and similar projects, such as beauty, hairdressing, water bars, bars and foot washing. There are three main ways to choose venture loans, and entrepreneurs can choose their own venture loans according to the situation. Personal business start-up loan: Business start-up loan refers to a special loan granted by a bank as an effective guarantee after an individual who has a certain production and operation ability or has engaged in production and operation activities has applied for the capital demand for start-up or restart. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of the venture loan is 1 year, with a maximum of 3 years. Commercial mortgage loan: At present, banks handle many personal loans, so long as the mortgage procedures meet the requirements, banks will not ask. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years. Secured loan: If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures.
Second, how do college students apply for interest-free loans when starting a business? What are the restrictions? I graduated from Guangdong and started a business in Shenzhen.
College students' entrepreneurial loans are interest-free relative to entrepreneurs themselves, but interest-bearing relative to banks. Only the state has issued relevant policies to encourage entrepreneurship and promote employment, and the interest is subsidized by the government. Venture loans are generally handled in the place where you start a business. For specific suggestions, please consult Guangtoujiang Finance or Enterprise Chuangbang Entrepreneurship Platform!
3. Where can I apply for an interest-free entrepreneurial loan for college students?
College students can apply for interest-free business loans in banks, such as China Bank, China Construction Bank, China Merchants Bank, China Everbright Bank, Bank of Communications, Minsheng Bank and other major banks. Therefore, as long as the borrower meets the conditions for applying for interest-free entrepreneurial loans for college students, he can bring relevant information to major banks to apply for interest-free entrepreneurial loans for college students. Extended data:
Application conditions for interest-free business start-up loans for college students: 1, college degree or above; 2. Not employed for more than 6 months after graduation, and registered as unemployed in the local labor and social security department; 3. Having a fixed residence or business premises; 4. Have a business license and a business license; 5. Have a stable income and the ability to repay principal and interest; 6. The invested project has certain self-owned funds. After meeting the above application conditions, you can submit an application to the bank. The materials you need to provide when applying include 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. The application process of interest-free entrepreneurial loans for college students is as follows: 1. Prepare ID card, student ID card, school report card or graduation certificate, degree certificate, bank running water and other income certificates, business license and relevant certificates to apply for a loan at the service center of the College Students Pioneer Park, get the application form and fill it out, and then submit the form and materials together. 2. The service center of college students' pioneer park shall conduct preliminary examination. 3. After passing the preliminary examination, the Personnel Bureau, the Finance Bureau and other relevant departments will review the industry orientation, enterprise scale and registered capital, and verify the discount amount. 4 personnel bureau publicity after the assessment of the loan discount object and discount amount. 5. If there is no objection after publicity, the Personnel Bureau will issue a notice of examination and approval. 6. The Finance Bureau allocates funds from special funds to support college students to start their own businesses. How long does it take for interest-free loans for college students to start businesses to be disbursed? College students apply for interest-free loans when starting a business. After submitting the application, the management service center of college students' pioneer park first conducts the preliminary examination; After passing the preliminary examination, the personnel bureau, the Finance Bureau and other relevant departments will review the industry orientation, enterprise scale, registered capital, profits and taxes, etc. This process takes about a week or two. After the examination and approval of the discount amount, the Personnel Bureau and the applicant's community will publicize the loan discount object and discount amount for 5 working days. After publicity, if there is no objection, the Personnel Bureau will issue a notice of approval. At that time, the Finance Bureau will allocate funds from the special funds to support college students' self-employment, and generally receive loans within one week. Generally speaking, it takes about one month for college students to start interest-free loans, from application submission to fund distribution. If the speed is fast, it may be completed in less than half a month. Borrowing students can check the loan progress at any time. If the progress has not changed, they can also directly call for consultation.
4. 200,000 interest-free conditions for venture loans?
If you want to apply for an interest-free loan of 200,000 yuan, you need to meet the following conditions:
1. At least 18 years old, with full capacity for civil conduct.
2. Personal credit is good, and there is no bad credit record and serious negative information on the credit report.
3 can provide proof of legal and stable residence where the loan bank is located, and it has a fixed residence or business premises. The business place may hold the business license issued by the administrative department for industry and commerce and the business license of related industries.
4. Entrepreneurial projects are in line with national policies and have certain market potential and development prospects.
5. Have certain self-owned funds and the ability to repay the loan principal and interest on schedule.
6. Open a settlement account with the loan bank, and the operating income will be settled by the bank.
Customers can also provide certain guarantees, or use their own assets as collateral, which is also helpful for loans. Graduate students who want to apply for interest-free loans to start businesses have to prepare diplomas and degree certificates. If you have not been employed for more than 6 months after graduation, you must also provide unemployment registration handled by the local labor and social security department.