3. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower in person, and the general bank will give a reply within 5 working days after submitting the information.
Second, the conditions of interest-free loans:
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.
Three, interest-free loan preparation materials:
1, identification;
2. Graduates need to provide graduation certificates and degree certificates;
3, the past 6 months commonly used passbook or bank card reconciliation list;
4. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.
Second, how to apply for a loan with the employment and entrepreneurship certificate?
I. Loan process:
1. Graduates should first apply to the local human resources and social security bureau for a small secured loan, and fill in the Pre-examination Form for Small Secured Loans for Laid-off Workers.
2. Subsequently, submit identity documents, employment and unemployment registration certificates, pre-trial forms of small-sum secured loans for laid-off workers and copies of business licenses to the small-sum secured loan handling bank.
3. After the bank approves the loan, it will sign the loan contract and guarantee contract with the borrower face to face. The general bank will give a reply within 5 working days after submitting the information.
Second, the conditions of interest-free loans:
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.
Three, interest-free loan preparation materials:
1, identification;
2. Graduates need to provide graduation certificates and degree certificates;
3, the past 6 months commonly used passbook or bank card reconciliation list;
4. Other credit certificates: scholarship certificate, class cadre certificate, club activity certificate, various honor/social reward certificates, such as blood donation and voluntary teaching.
Extended data:
Preferential policies for college students' entrepreneurial loans:
1. Give priority to loan support and issue credit loans appropriately. Increase the support of college graduates' self-employment loans. For those who can provide effective asset mortgage (pledge) or quality customer guarantee, college graduates can be the main borrowers, and the guarantor can provide corresponding joint guarantee for the stable income or effective assets of their families or immediate family members.
For those with good credit standing and guaranteed repayment, financial institutions will give priority to credit support. For college graduates' entrepreneurial loans, credit loans should be appropriately issued on the basis of controllable risks.
2. Simplify the loan procedures. By simplifying the loan procedures, the credit loan amount will be determined reasonably in a certain period of time. 3. Preferential interest rate. Give some preferential interest rate support to the venture loan, and depending on the degree of loan risk, it can float down or up appropriately on the basis of the legal loan interest rate.
In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. A number of banks offer personal business loans to natural persons who have permanent residence or valid residence status in cities and towns and have reached the age of 18. This kind of risky loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.