Easy, start-up loan application conditions
1. The applicant for college students' business start-up loan 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;
2. 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 stable income and the ability to repay the principal and interest;
3. The investment projects of college students' entrepreneurial loan applicants have certain self-owned funds;
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;
5. Open a settlement account in the bank, and the operating income will be settled by the bank.
1, 18 years old or above, with my valid ID card and proof of legal residence in the place where the loan bank is located, I have a fixed residence or work place;
2. The applicant must engage in legal production and operation projects, have a business license issued by the local administrative department for industry and commerce, and have a stable income and the ability to repay loans;
3. The loan applied by the applicant shall comply with the provisions of laws and bank credit policies;
4. Investment projects applying for loans should have a certain liquidity, and a settlement account should be opened in the bank applying for loans. After the project is implemented, the operating income shall be settled by the bank.
Application procedure
1. Please consult the Banking Department for matters related to college students' business application for loans;
2. The procedures for obtaining a business license are as follows:
(1) Get the registration form from the registration hall of the Municipal Administration for Industry and Commerce and the industrial and commercial bureaus of counties and districts.
(2) Apply to the registration authority for pre-approval and registration of the company name;
(3) Fill in the company registration form and submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.
After meeting the above-mentioned conditions for applying for interest-free loans for college students' entrepreneurship, the applicant can apply to the Personnel Bureau with relevant materials, and then submit the materials to the Personnel Bureau for preliminary examination. If you pass the preliminary examination, the Personnel Bureau will fill out a recommendation form for you and evaluate the applicant's entrepreneurial ability. Then the applicant returns to your personnel bureau with a letter of recommendation and gives it to them for a second interview. After the second interview is passed, they will report the results to the local guarantee institution, which will guarantee the applicant after feeling agreed. Finally, the applicant takes the above information to the bank for approval. If approved, you can apply for a loan.
Is it easy to apply for college students' entrepreneurial loans?
It's good. Apply.
Different cities have different policies for college students' entrepreneurial loans, and the loan amount is also different. Take several common cities as examples.
Beijing: Starting a business can get a single loan of up to 500,000 yuan. Those who start a business to a certain scale or become re-employment stars can also apply for higher loans.
Shanghai: Generally, the amount of entrepreneurial loans for college students in Shanghai is about 30,000 yuan, and the business scale can be increased to 654.38+10,000 yuan. In addition, Shanghai has also set up an "angel fund" for college students' entrepreneurship. College students' entrepreneurial loans are up to 300,000 yuan.
Chongqing: In principle, applying for a small secured loan is less than 20,000 yuan. College students can start their own businesses and absorb more than two laid-off workers. The loan amount can be relaxed to 50,000 yuan, and the maximum loan for a partnership enterprise is 400,000 yuan.
Fujian: Except for college students who start their own businesses, they can apply for a business guarantee loan of up to 300,000 yuan, and the maximum loan amount for other qualified personnel is adjusted to 654.38+10,000 yuan.
Qingdao: When college students return to their hometowns to start businesses, they can enjoy the relief of office space provided by the Municipal Bureau of Human Resources and Social Security, a one-time business start-up subsidy of up to 30,000 yuan, a small secured loan of up to 450,000 yuan and a business start-up post development subsidy of 2,000 yuan.
Is it easy to apply for a start-up loan?
Go to the bank to apply for a loan. Banks can provide users with a variety of loan products and services, and each borrower can apply according to his specific needs. For some newly graduated college students, they can apply for interest-free loans to start businesses. What about the interest-free loan of 65438+ 10,000 for college students? Is it easy to approve college students' entrepreneurial loans? What about the interest-free loan of 65438+ 10,000 for college students? College students need to start their own businesses if they want to apply for an interest-free loan of 654.38+10,000 yuan. According to the regulations, college graduates in some provinces can enjoy a one-time entrepreneurship subsidy of about 5,000 yuan according to regulations; Renting business premises or shops to engage in self-employment or start small and micro enterprises can enjoy a rent subsidy of up to 2 years and up to 3,000 yuan per year. In addition, college students who start their own businesses can also apply for a small secured loan with a maximum of 654.38+10,000 yuan and enjoy financial interest subsidies; Entrepreneurial projects were rated as excellent projects, you can apply for a one-time subsidy of 50 thousand to 200 thousand yuan to the Provincial People's Social Welfare Department. Applicants can apply for loans with relevant information to the local personnel bureau. After the preliminary examination, the personnel bureau will submit the review report to the local personnel bureau at the next higher level and submit the review report to the local guarantee institution. After the guarantee institution agrees to guarantee for the applicant, the applicant submits the information to the bank. Then the bank will approve and issue the loan. Is it easy to approve college students' entrepreneurial loans? Relatively easy to apply. For example, in Shanghai, the amount of college students' entrepreneurial loans is generally around 30,000 yuan, and the business scale can be increased to 654.38+10,000 yuan. In addition, Shanghai has also set up an "angel fund" for college students' entrepreneurship. College students' entrepreneurial loans are up to 300,000 yuan. The above is the related content sharing of "654.38 million college students' interest-free loans", hoping to help everyone!
Will you approve the guarantee loan for enriching the people's business?
What a batch. As long as the applicant meets the requirements for starting a business loan, it will be well approved. Enriching the people's business start-up guarantee loan is guaranteed by the business start-up loan guarantee fund (small and micro enterprises only discount interest but do not guarantee), which is issued by the People's Bank of China, the financial department and the human society department jointly with the handling bank that determines the handling of this loan, and the financial department gives appropriate discount to support individual business start-up or small and micro enterprises that meet the prescribed conditions to expand their employment.