The maximum amount of college students' entrepreneurial loan shall not exceed 70% of the total amount of funds required by the applicant for production, operation and purchase of equipment and assets, and the maximum amount shall not exceed 50,000 yuan. However, the loan quotas of different places and banks are different, and they also need to borrow from banks. College students' entrepreneurship loan is a credit loan issued by banks and other institutions to college students. The government has formulated many preferential policies to support college students' entrepreneurship. The above is the relevant content of how much college students can borrow for starting a business. 1 is the way for college students to start a business loan; Apply for a loan from a bank; 2. College students can use new scientific and technological achievements or intellectual property rights and patent rights to make secured loans; 3. Apply for discount loans for small and micro technology enterprises. Banks attach great importance to borrowers' repayment ability, and the examination and approval of individual loan applications is very strict. According to the loan approval unit of the bank, newly graduated college students have almost no repayment ability and are generally not allowed to apply for loans. However, if the applicant can provide a third-party guarantee, he can apply for a secured loan, which requires the loan guarantor to have excellent personal credit and good economic ability. The higher the comprehensive score of the loan guarantor, the higher the loan amount. If you have a real estate, you can apply for a mortgage loan, so the probability and amount of the loan will be higher. What are the conditions for a venture loan? 1. Lenders are college graduates, demobilized soldiers and other unemployed people; 2. When the lender submits the application, individuals and family members have no bad credit records and other loans, except housing loans, poverty alleviation loans and car purchase loans; 3. Some regions will stipulate that the applicant is an individual industrial and commercial household or the legal representative of the enterprise, and require the lender to provide a fixed business place to operate normally when receiving subsidies. Self-employed loans are easy to apply for as long as they meet the corresponding application criteria. However, the actual application criteria will still be different in each region, so be sure to check clearly before applying in case the application is not passed. This article is mainly about the knowledge points about how much college students can borrow for starting a business loan, and the content is for reference only.
How much can college students borrow for starting a business?
Bank of China provides commercial loans for college graduates. The limit of entrepreneurial loans for college graduates is: for eligible individuals, the maximum loan amount is adjusted to 654.38+10,000 yuan. For partnership enterprises, the loan scale can be appropriately expanded according to the number of people and business projects. For a partnership with more than three persons (inclusive), the loan scale shall be reasonably determined according to 50,000 yuan per capita, and the total amount shall not exceed 200,000 yuan. If there is loan demand, it is recommended to contact local outlets for detailed consultation.
The above contents are for your reference. Please refer to the actual business regulations.
College students' entrepreneurial loans can reach up to 50 thousand. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The municipal finance gives the local finance 60% discount interest funds, and it is good to go to the bank to borrow college students' entrepreneurial loans with ID cards and household registration books.
How much can college students borrow when they graduate and start a business?
The amount of college students' entrepreneurial loans is 50,000-80,000 yuan, which can generally be loaned for 2 years. The loan applicant needs to provide counter-guarantee for the loan. Loan projects will be subsidized in accordance with the relevant provisions of the state and the autonomous region.
Fresh college graduates, unemployed college graduates, and college students (including entrepreneurial teams) who start their own businesses for the second time can apply for entrepreneurial loans in the local labor and social security departments.
The application of college students' entrepreneurial loans needs certain conditions. Applicants should have specific business projects and obtain business licenses, and participate in SIYB training organized by the Communist Youth League and the labor department before applying for loans.
The following are the relevant preferential policies implemented by the state for college students' entrepreneurial loans.
I. Enterprise registration
1. The program is more simplified.
Where college graduates (within two years after graduation, the same below) apply to engage in self-employment or bid for private enterprises, they can give priority to registration through the "green channel" in the registration halls of industrial and commercial departments at all levels. Its business scope is open for examination and approval except for industries and commodities explicitly prohibited by the state. For restricted and special business projects, special examination and approval procedures are allowed while applying. For those who apply for the establishment of private enterprises in special economic zones such as science and technology parks, high-tech parks and economic and technological development zones, except for projects that must be pre-approved, the special affairs office will try out the "commitment registration system". Applicants who submit major registration materials, such as application for registration and capital verification report, may first be issued a business license, so that they can complete the relevant materials within 3 months as required. Where the intangible assets such as human capital, intellectual achievements, industrial property rights and non-patented technology of college graduates are used as capital contribution to apply for the establishment of a limited liability company, 40% of the registered capital is allowed to be deducted.
2. Reduce and exempt various fees.
Except for industries restricted by the state, the industrial and commercial departments shall exempt their individual industrial and commercial households from registration fees (including registration, change registration and license renewal fees), individual industrial and commercial households management fees and various license fees within 1 year from the date of approval of their operation. Those who join private associations are exempt from 1 year membership fee. College graduates apply for high-tech enterprises (including limited liability companies), with a minimum registered capital of 65,438+10,000 yuan. If the funds are really difficult, they are allowed to be put in place by stages; The application name can be approved as "high-tech", "new technology" and "high technology". College graduates engaged in community service and other activities will be exempted from industrial and commercial registration and various industrial and commercial management fees within 1 year after being reported by the neighborhood committee to the local administrative department for industry and commerce for the record.
Reminder: According to the staff of the individual department of the Industrial and Commercial Bureau, relevant policies have been implemented. College graduates should not only bring all the required materials and submit relevant applications, but also bring the Employment Recommendation Form for College Graduates, graduation certificates and other related materials when going through the relevant procedures for starting their own businesses.
Second, financial loans.
1. Give priority to loans and issue credit loans appropriately.
Increase the support of college graduates' self-employment loans, and financial institutions will give priority to credit support to those who can provide effective asset mortgage (pledge) or high-quality customer guarantee. For college graduates' entrepreneurial loans, college graduates can be the main borrowers, and guarantors can provide corresponding joint guarantees for their families or immediate family members' stable income or effective assets. For those with good credit standing and guaranteed repayment, credit loans shall be appropriately issued on the basis of controllable risks. Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide small loans for graduates who start their own businesses, simplify procedures and facilitate account opening and settlement. The loan amount is about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is 5 times of the guarantee fund, and the term is the same as the loan term.
Simplify the loan procedures By simplifying the loan procedures, we can reasonably determine the credit line and use it for a certain period of time.
Interest rate concessions provide certain preferential interest rate support for venture loans. Depending on the degree of loan risk, it can float down or down appropriately on the basis of legal loan interest rate.
Reminder: Bank-related persons such as China Bank, China Agricultural Bank, China Construction Bank, Minsheng Bank, CITIC Industrial Bank, etc. It is said that the bank has not yet launched the business of college students' self-employment loans. This embarrassing situation is mainly due to the high risk of such loans. A person concerned in the office of CITIC Industrial Bank said that banks should also consider their security while pursuing the profitability and liquidity of funds. Compared with other loans, college graduates' self-employment loans are risky. College students have just graduated, lack social work experience, and have no suitable collateral or guarantee. Banks generally do not lend easily. Another person in the industry also said that even if college students have suitable projects at hand, this is only an individual phenomenon. As an enterprise, the input cost and income of such loans issued by banks are not proportional.
In fact, the difficulty of college students' entrepreneurial loans is that they cannot provide effective assets as collateral or pledge. At present, a number of banks have offered personal business loans to natural persons with permanent residence or valid residence status in cities and towns and over the age of 18. This kind of risky loan requires individuals to take mortgage loans, or real estate mortgage loans and secured loans.
Third, pay taxes.
College graduates who are engaged in self-employment are exempted from tax registration certificate 1 year from the date when the business department approves their operation. Newly established urban labor and employment service enterprises (except industries restricted by the state), where the number of unemployed (including college graduates who have registered for unemployment, the same below) exceeds 60% of the total number of employees, may be exempted from income tax for 3 years with the approval of the competent tax authorities. After the expiration of the tax exemption period for labor employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of original employees of the enterprise in that year, the income tax may be halved for 2 years with the approval of the competent tax authorities.
The above preferential policies are formulated by the state for all self-employed college students. In order to support local college students' entrepreneurship, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality.