bank
Application conditions:
1, fresh graduate, graduated within two years;
2. College degree or above;
3. 18 years old or older;
4. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.
Application process:
Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.
1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;
2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;
3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;
4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;
5. payment. According to the approval notice of the relevant departments, the Finance Bureau will pay the interest payment voucher provided by the bank ... after the discount object provides the interest payment voucher.
Application conditions:
1, fresh graduate, graduated within two years;
2. College degree or above;
3. 18 years old or older;
4. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.
Application process:
Graduates first apply to the local people's social security bureau for small secured loans, fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers, and then submit their identity documents, employment unemployment registration certificates, pre-examination forms for small secured loans for laid-off workers and a copy of their business licenses to the banks that handle small secured loans. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the bank will generally give a reply within 5 working days after submitting the information.
1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;
2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;
3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;
4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;
5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.
Interest-free loan conditions 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. The loan applicant must have a fixed residence or business premises;
4. Business license and business license, stable income and ability to repay principal and interest;
5. The projects invested by entrepreneurs have certain self-owned funds.
Preparation materials for college students' interest-free loans:
1, identification;
2. Students need to provide student ID cards and transcripts;
3. Graduates are required to provide graduation certificates and degree certificates;
4. Checklist of frequently used bankbooks or bank cards in the past 6 months;
5. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.
6. Check whether students have bad criminal records.
The process of interest-free loans for college students;
1. When applying for the registration of the establishment of individual industrial and commercial households, college graduates shall present to the registration authority the graduation certificate and personal identity card of ordinary colleges and universities, and the national employment registration certificate for graduates of ordinary colleges and universities or the national employment registration certificate for graduate students (hereinafter referred to as the "registration certificate") issued by the employment authorities of provincial colleges and universities;
2. After verification by the registration authority, go through the registration formalities according to law, indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me, and indicate "college graduate" after the name of the business license operator of individual industrial and commercial households;
3. College graduates are exempt from the above-mentioned related fees with the business license of individual industrial and commercial households.
Second, how to apply for college students' entrepreneurial loans in Lijiang? How much is the amount? How long is the repayment period?
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Bank's requirements for loan applicants
1. At least 18 years old, with legal residence certificate, yes.
2 hold a business license for industrial and commercial administration, engage in legal production and business activities, and have the ability to stabilize income and repay principal and interest;
3. Borrowing funds;
4. The loan shall be used in accordance with relevant national laws and regulations and shall not be used for equity investment;
5. Open a settlement account in the bank and collect business income.
Loan applicants need to provide application materials.
Including ID card, residence booklet or other valid residence permit) and proof of marital status;
2. Personal or family income;
3. Business licenses and business licenses of relevant industries, and the purpose of the loan.
4. Guarantee materials: the ownership certificate and the list of mortgaged (pledged) goods that have the right to be reported in the appraisal report of mortgaged (pledged) goods issued by the recognized appraisal department.
3. How long is the repayment period of college students' entrepreneurial loans?
The term of venture loans issued by banks is generally 1 year, and the longest is no more than 3 years; In fact, if you look at it this way, the repayment pressure is not small, so you should pay attention to the famous school loans. The interest rate is only 0.99%, with a maximum of 50,000. The repayment period is much longer and the pressure is less.
Fourth, about college students' self-employment loans?
At present, the national and local policies have adopted a series of preferential policies for college students' entrepreneurship. The following is what I arranged for you. Welcome to read!
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I. Specific conditions for college students' entrepreneurial loans 1 The applicant for college students' entrepreneurial loans has reached the age of 18, and has a legal and valid identity certificate and legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;
Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have the ability to stabilize income and repay principal and interest;
(3) Applicants for college students' entrepreneurial loans have some of their own funds for their investment projects;
4. The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and shall not be used for equity investment;
Open a settlement account in a bank, and the operating income will be settled by the bank.
Second, the loan method:
The ways for college graduates to start their own businesses are guarantees and mortgage loans.
Three. Loan term:
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans with a term of 1 ~ 2 years, after which they will no longer enjoy financial discount.
Four, college students' business loan application conditions need to pay attention to three points:
First of all, the loan applicant must have a fixed residence or business premises.
Second, business license and business license, stable income and ability to repay principal and interest;
Third, and most importantly, the projects invested by entrepreneurs already have their own 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, personal or family income and property status and other repayment ability files; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral and pledge issued by the appraisal department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
Generally, the maximum amount of college students' entrepreneurial loans does not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase, installation or repair of small devices and equipment, and franchise chain operation; The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year; 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.
Repayment method of college students' entrepreneurial loans: for individual entrepreneurial loans with a loan term of one year or less, 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 or equal principal repayment.
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Preferential policies for enterprise management
1. Staff recruitment and training enjoy free discounts. For enterprises independently founded by college graduates, free information on the supply and demand of talents and labor can be inquired on the websites of talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security within 1 year from the date when the industrial and commercial departments approve their operation, and free recruitment advertisements can be released; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative departments of personnel and labor security, and give appropriate fee reductions and exemptions; The talent intermediary service institutions affiliated to the personnel department provide free training and evaluation services for graduates and entrepreneurial employees.
2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service agencies affiliated to the personnel administrative department will keep personnel files for them free of charge, including handling social security, professional titles, file wages and other related procedures for two years.
3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels.
Preferential Policies for College Students' Entrepreneurship Loans in Henan Province
Zhen Li, director of the Employment Department of the Henan Provincial Department of Labor and Social Security, said that college students who have not found a job after graduation can apply for small secured loans to start their own businesses as long as they register with street community labor security offices or public employment agencies and get unemployment certificates. The loan amount generally does not exceed 30,000 yuan, and the loan period does not exceed 2 years.
How to apply
College graduates who start their own businesses can submit a written application to the township streets and community labor and social security institutions where they have permanent residence or business location, and submit their valid identity cards, household registration books, qualification certificates for starting their own businesses, graduation certificates, employment and unemployment registration certificates, and legal business certificates, such as the originals and photocopies of business licenses or related certificates. After review, recommendation, guarantee and counter-guarantee procedures, you can get loans from state-owned commercial banks, joint-stock banks and city commercial banks, which means that all banks in your place can.
Except for industries restricted by the state, college graduates who are engaged in self-employment and whose registration date of industrial and commercial departments is within two years after graduation can be exempted from administrative fees such as registration, license and management within three years from the date of registration *** 19.
It was learned from the Henan Provincial Administration for Industry and Commerce that the Henan Provincial Administration for Industry and Commerce specially issued the "Opinions on Supporting College Graduates' Self-employment and Flexible Employment in Our Province" and adopted a number of measures to help college graduates start their own businesses and obtain employment. At present, this opinion has been issued to the administrative departments for industry and commerce of various provinces and cities in Henan for implementation.
Three zeros to reduce the cost of starting a business
Monetary contribution is "zero payment". Relax the restrictions on the mode of capital contribution. College graduates will invest to set up a limited liability company within two years after graduation, with a registered capital of less than 500,000 yuan, and the proportion of non-monetary assets in the registered capital can reach the maximum registered capital of the company.
100%。 There is no minimum capital contribution limit for the establishment of partnership enterprises, sole proprietorship enterprises, farmers' professional cooperatives and individual industrial and commercial households, and the mode of capital contribution is determined by college graduates.
The operating site is "zero cost". College graduates within two years of graduation are engaged in animation design, e-commerce, translation services, software design and development, network technology development and other business projects. , does not affect the surrounding environment and public safety of motor vehicle transportation (including cargo transportation and passenger transportation), individual performances, individual performance brokers and other individual industrial and commercial households that adopt a mobile mode of operation. The business premises can be registered as the contact address of the operator.
Service entrepreneurship "zero charge". College graduates within two years of graduation, college graduates who work in villages, engage in self-employment or set up various enterprises, except for industries restricted by the state, shall be exempted from registration license administrative fees within three years from the date of registration. During the support period, the administrative departments for industry and commerce at all levels provide free inquiry service for the basic registration information of enterprises for college graduates to start their own businesses, and the website of the provincial-level city administration for industry and commerce publishes free announcements on the establishment and change of registration of enterprises founded by college graduates.
"Two Relaxations" to Encourage Innovative Management
Relax the form of registration and implement "trial business". College graduates who are engaged in self-employment can implement a trial operation system except for pre-approved business matters, and issue a business license with the validity period of 12 months and marked "temporary" free of charge. During the trial operation, all kinds of fees will be exempted.
Relax the field of entrepreneurship and encourage college graduates to innovate and start businesses. All industries and projects that are "not prohibited" by laws and administrative regulations are allowed for college graduates to operate; The administrative departments for industry and commerce at all levels should stop the implementation of pre-licensing projects for enterprise registration set by departments and localities themselves; Venture Network: Is it illegal to build a green channel for the first time?
The industrial and commercial department requires the establishment of a special service window for college graduates' entrepreneurship, the establishment of a "green channel", the implementation of a special person as a "business contact", and the provision of "one-stop" services such as prior guidance, follow-up counseling and quick completion. If the materials are complete and conform to the statutory form, it shall be registered on the spot and issued with a certificate.
There is no first punishment for college graduates' employment and entrepreneurship, with more norms, less punishment, more guidance and less blame. If the general illegal behavior of college graduates in starting a business is minor and has no harmful consequences to society and others, they can be given administrative tips and administrative warnings, and help enterprises to correct it in time without administrative punishment.
In addition, according to the principle of territorial management, the grass-roots industrial and commercial sub-bureaus have set up separate business accounts for college graduates, conducted regular return visits, strengthened "tracking services", and helped college graduates solve the difficulties and problems encountered in entrepreneurship and production and operation in time. Actively encourage and guide college graduates to start their own businesses. Conditional places are determined by local governments to provide entrepreneurship and guarantee for college graduates in existing channels. Where college graduates are engaged in self-employment, except for industries restricted by the state, they will be exempted from all administrative fees for registration management within 1 year from the date when the business is approved by the industrial and commercial department.
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College students' self-employment loan
First, the application conditions:
1, college degree or above;
2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.
Second, the loan period:
The small-scale entrepreneurial loans provided by the state for college graduates are subsidized loans with a term of 1 ~ 2 years, after which they will no longer enjoy financial discount.
Three. Loan method:
The ways for college graduates to start their own businesses are guarantees and mortgage loans.
Four. Relevant explanation
The specific operation method can be consulted with the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship, such as setting up a
Business administration, 1 year exempted from administrative fees for business registration management; Self-employed individuals and self-employed individuals can also trust their household registration files in the employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.
Five. Application material
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, stable income and ability to repay principal and interest; The third and most important point is that the projects invested by entrepreneurs already have their own 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, personal or family income and property status and other repayment ability files; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the collateral evaluation report issued by the evaluation department recognized by the bank.
In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.
Amount requirement
Generally, the amount of venture loan is required: the maximum amount shall not exceed 70% of the total amount of funds required by the borrower for normal production and business activities, purchase, installation or repair of small devices and equipment, and franchise chain operation;
The term is generally 2 years, and the longest is not more than 3 years, of which the longest term of working capital loan for production and operation is 1 year;
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
1. For individual entrepreneurial loans with a loan term of 1 year or less, the principal and interest will be repaid in one lump sum at maturity.
Clear with books;
2. 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.
Relevant preferential policies depend on your local conditions.
Tax exemption policy
College graduates (including junior college students, undergraduate students and graduate students) who are engaged in self-employment are exempt from self-employment registration fees, self-employment management fees, and economic contract demonstration text fees. Within 1 year from the date of approval of operation. In addition, if you start an informal enterprise, you only need to register in the street of your district and county, and you can be tax-free for 3 years. People-enterprise loan is committed to providing matching services for enterprises and individuals with financing needs and investors with spare money. Integrate the rich industry experience of Internet, guarantee and Shanghai real estate mortgage loan business, and provide safe, convenient, low-threshold, transparent and rich financial projects for individual users with financial needs, including Shanghai real estate mortgage investment projects, large-scale enterprise guarantee investment projects, automobile consumption investment projects, supply chain financial projects, etc.