Conditions for college students' entrepreneurial loans:
Application conditions
1, college degree or above;
2. Unemployed for more than 6 months after graduation and registered locally;
3. When applying for this kind of loan, 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 investment project has its own funds.
Only those who meet the above conditions can apply to the bank, and relevant agreements and contracts in personal or family income and property certificates need to be provided when applying; The ownership certificate and list of the goods, and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank. In addition to written materials, there must be collateral. Chattel and immovable property 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.
Two, three ways of self-employment loans
Three ways of self-employment loan
The most important link in the process of starting a business is capital. For many newly graduated college students, their own funds are often unable to meet the needs of starting a business. At this time, the government's interest-free or low-interest policy of supporting entrepreneurship has played a key role. Here I'd like to introduce three ways of self-employment loans to you, hoping to help you.
Self-employment is not only the dream of most people, but also the hope of national economic development. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. The fund demand for starting or re-starting issued by individuals who have certain production and business operation ability or have engaged in production and business operation activities is recognized by the bank as a special loan with effective guarantee. 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 venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 60% government discount.
1. Bank risk loans for self-employment loans
This kind of loan refers to a special loan with effective guarantee approved by the bank, which is issued by an individual who has the ability to operate or has been engaged in production and business activities because of the funds for starting or re-starting. However, it needs economic repayment ability to determine the amount, which is generally up to 500,000 yuan.
2. Commercial mortgage loans for self-employed loans
This way of obtaining venture loans requires that the mortgage procedures comply with bank procedures and legal provisions, which is more convenient than bank venture loans. Loans require certain commercial assets to be mortgaged after being evaluated by a formal evaluation agency. If you meet the loan conditions, you can get the required business start-up loan.
3. Self-employed loans without asset collateral
If entrepreneurs don't have the conditions for bank start-up loans, then you can consider secured loans. This kind of mortgage requires immediate family members. If parents have a good job and a stable source of income, they can be a very good credit guarantee resource for your secured loan. In addition, if you have some friends who have good jobs, such as civil servants and doctors, who are willing to provide guarantees for you, you can also get secured loans. Moreover, this loan procedure is simple and does not require any mortgage and evaluation procedures.
Extended reading:
Nowadays, the pressure of employment is increasing, and many people join the team of self-employment. Starting a business seems simple, but it is not easy to do, especially when it is scarce. In this case, you can apply for a loan. Now I recommend three loan methods to you.
1. Risk loan
People who want to apply for commercial loans can apply to banks or loan companies. However, when applying, you must provide the business license, business license, business place certificate, residence certificate, identity certificate and other materials issued by the administrative department for industry and commerce, have the ability to repay the principal and interest of the loan on time, and have certain self-owned funds.
2. Small secured loans
Small secured loans support qualified urban registered unemployed people, college graduates, urban and rural women, people with employment difficulties and labor-intensive small enterprises with entrepreneurial will but lack of funds.
According to my investigation, the maximum amount of small secured loans can reach100000, and the discount period is two years. If you want to apply for this loan, you must first apply to the local labor and social security department, then implement the guarantee, and then the handling bank will review and issue the loan.
3. Mortgage loan
If entrepreneurs need more liquidity and have collateral under their names, they can consider applying for mortgage loans.
At present, there are two common mortgage loans: one is housing mortgage loan, and the other is automobile mortgage. Among them, the former can be handled in banks and non-bank financial institutions; The latter can only be handled in non-bank financial institutions, and banks do not accept this loan.
Finally, I would like to remind you that compared with automobile mortgage, mortgage loan is not only high in amount, but also long in term, which can effectively alleviate the financial pressure of borrowers. I hope my introduction is helpful to you.
3. How to fill in the category of personal application for business loan?
Fill in the category of personnel in the business loan as self-employment or returning home to start a business.
Fourth, how to borrow commercial loans?
According to a survey conducted by the National Information Center, the issue of fund-raising has now become the primary focus of individual entrepreneurship, and more than 80% of entrepreneurs have missed out on huge "business opportunities" because they don't know how to borrow money or dare not borrow money at all. However, what excites individual entrepreneurs is that China Bank, China Everbright Bank, China Guangfa Bank, China CITIC Bank and other financial institutions in Beijing have recently launched loan varieties specifically for individual entrepreneurs, while Agricultural Bank and Minsheng Bank are also planning larger loan plans. Individuals can raise funds through early loans and realize the "boss dream" step by step. ■ BOC, China Everbright and Guangfa have their own emphases. It is reported that the "personal venture capital loan" with the maximum amount of100,000 yuan by China Bank has been jointly launched with some guarantee companies in Beijing. There are two loan methods: one is personal project investment loan, which is suitable for customers' medium and long-term large investment capital demand and highlights the characteristics of venture capital. The longest loan period can reach 5 years, and the maximum loan amount can reach100000 yuan. We can also tailor different repayment methods according to customers' needs, such as monthly or quarterly repayment of principal and interest. Second, personal short-term liquidity loans are suitable for customers' short-term liquidity needs and reflect the characteristics of auxiliary business operations. The maximum loan amount of this product can reach 7 million yuan, and the loan period does not exceed 1 year. High-quality customers can also apply for "one-time credit and recycling" revolving loans, which can be recycled within the approved credit line. Everbright Bank has also launched a "personal student loan". "Personal employment loan" includes many detailed products such as personal and private owners' working capital loan, study abroad loan, student loan and "construction machinery loan". According to the different loan methods, it can be divided into single loan (that is, the starting point of one-time loan granted by the bank to eligible borrowers is 65,438+0,000 yuan, and the longest loan period does not exceed 5 years) and loan line credit (that is, you can apply for a loan from the bank at any time within the credit line and the validity period, and the repaid part of the loan line can be recycled without repeated mortgage, pledge or guarantee). China Guangfa Bank Beijing Branch launched the "Private 100" plan for private enterprises, focusing on encouraging individuals to establish private enterprises and the further development of existing private enterprises. Among them, the "Venture Insurance" series of financial products, in view of the good property status of individual shareholders of private enterprises, give individual credit lines to shareholders of private enterprises and provide mortgage (pledge) services for houses, land and securities (including bank deposit certificates and underwriting government bonds). ), the joint and several liability guarantee of natural persons and legal representatives, as well as personal venture loans and joint company loans under other guarantee methods recognized by Guangfa Bank. ■ "Venture loan" has a certain threshold. However, banks generally need three conditions to provide loans to enterprises or individuals: pledge, mortgage and guarantee. Pledges include certificates of deposit, treasury bills and corporate bonds. Collateral refers to real estate such as land, real estate and enterprise equipment. The guarantee is mainly provided in whole or in part by some guarantee companies recognized by banks. Investors should note that it is generally difficult to obtain a loan of 100% by pledge or mortgage. Taking mortgage as an example, the loan amount may be 60% or 30% of the value of the mortgaged goods, and the guarantee will be paid to the guarantee company at a high cost. The reporter learned that in order to control risks and simplify various loan procedures, many banks have adopted various means. For example, in view of the shortage of talents and irregular financial management in the initial stage of some private enterprises, Guangfa Bank sent special personnel to implement "credit counseling management" for enterprises, providing them with necessary consultation and training in banking business, accounting system and credit rating, helping them to establish a sound credit system, and providing private enterprises with all-round financial services such as deposit, settlement, receipt and payment, information consultation and financial consultation. Both banks and enterprises achieve the goal of * * * sharing business risks and profits. ■ Individual entrepreneurship needs policy support. Although individual venture loans have been warmly welcomed by the vast number of individual operators and private owners, there are still some unavoidable problems. This kind of business object is some small and medium-sized private enterprises, whose main body is individuals, but their nature is companies. That is to say, it refers to loans between enterprise loans and personal consumption loans, which are used for small and medium-sized enterprises to invest and operate customers. However, Document No.2001of the People's Bank of China clearly stipulates that commercial banks shall not issue personal consumption loans without specific purposes. This is mainly to prevent bank funds from flowing into the stock market. Therefore, banks are reluctant to give up this huge credit market, but they are wary of it. In addition, the uncontrollable risks in entrepreneurship also make banks set a higher threshold when lending, which also makes some entrepreneurs question that "venture loans look beautiful, but it is still difficult to do".