1. Lu’an Entrepreneurship Loan Policy 2021?
1. What are the requirements for a business loan?
1. Have full capacity for civil conduct and be under 50 years old.
2. Hold an industrial and commercial business license, tax registration certificate and relevant industry business license issued by the industrial and commercial administration authority.
3. Engage in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the principal and interest of the loan on schedule.
4. Have good credit standing, comply with laws and regulations, have no bad credit and debt records, and be able to provide mortgages, pledges or guarantees recognized by banks.
5. Have a fixed residence and business premises in the handling institution.
6. Other conditions specified by the bank.
2. Entrepreneurship loan conditions for college students
It’s very difficult! ! ! I also graduated this year. I have approached many departments, and they all recommend each other. You give it to me, and I will give it to you. It’s very troublesome! ! It is recommended that you go to your Labor and Social Security Bureau to ask. There is a window there specifically for college student loan consultation. However, the general loan conditions are: graduation certificate, business license, lease contract of business premises, and income certificate of the guarantor. He also needs to go there in person. . . I don't know the specific number of guarantors and your policy. It's best to find some connections. My classmate had a loan, but he only ran away for two months and left! ! !
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3. Conditions for business loans for fresh graduates
Graduates with a college degree or above; those who have not been employed for more than 6 months after graduation and are working in the local area The Labor and Social Security Bureau has processed unemployment registration; the personal credit record is good; valid identity certificate and residence certificate can be provided; the loan purpose complies with the regulations for college students to start a business.
Fresh graduates need to provide the loan unit with proof of identity, student ID or degree certificate, academic transcripts, graduation certificate, bank card statements for the past six months, and other certificates. Other certificates include scholarship certificates, blood donation certificates, class cadre certificates, honorary certificates, etc. College students with these certificates can provide them.
Fresh graduates who apply for entrepreneurial loans need to provide a business license and provide guarantee materials. The guarantee material must be an evaluation report issued by an evaluation department recognized by the bank. College students can log in to the College Student Entrepreneurship Network to consult on relevant procedures.
When college students apply for entrepreneurial loans, they need to keep their household registration files in the Municipal Employment Guidance Service Center for College and Technical Secondary School Graduates. After college students apply for loans, all banking institutions will simplify the loan process and create convenient conditions for college students' loans.
The amount of entrepreneurial loans for college students is about 50,000 yuan, and the maximum term is 2 years. The College Student Entrepreneurship Loan will provide college students with a certain tax-free time, and the registered capital can be used for installment repayment business.
4. What are the conditions for business loans for fresh graduates?
To apply for a college student entrepreneurial loan, you need to meet the following conditions:
1. Be at least 18 years old, have a legal and valid residence certificate, and have a fixed residence or business place;
2. Hold a business license and engage in business activities in related industries, have stable income and the ability to repay principal and interest;
3. Have a certain amount of own money for investment projects;
p>4. The purpose of the loan complies with relevant national laws and bank credit policies (note: it is not allowed to be used for equity investment);
5. Open a settlement account in the bank, and the operating income will be processed through Bank settlement.
What are the repayment methods for college student entrepreneurship loans?
The repayment methods for college student entrepreneurship loans are divided into two types according to the loan period: First, the loan period is one year (inclusive) If the loan period is less than one year), the principal and interest will be repaid once upon maturity, and the interest will be paid off along with the principal; secondly, if the loan period is more than one year, the loan principal and interest repayment method can be repaid by the equal principal and interest repayment method or another method agreed upon by the equal amounts. .