How to apply for an entrepreneurial loan for college students
How to apply for an entrepreneurial loan for college students
How to apply for an entrepreneurial loan for college students. With the strong support of national policies for entrepreneurship, more and more Many college students choose to start their own businesses after graduation instead of applying for jobs in companies. National policy support provides part of the entrepreneurial funds. Here we will introduce how to apply for entrepreneurial loans for college students.
How to apply for a business loan for college students 1
1. Application conditions for venture capital loans for college students:
1. University degree or above.
2. College students or college students within two years of graduation.
3. Must be over 18 years old.
4. Loan applicants must have a fixed residence or business place.
5. The projects invested by entrepreneurs already have their own funds.
6. Business license and business license, stable income and ability to repay interest.
7. Loan term and amount requirements
The term is 1 to 2 years, and financial subsidies will no longer be available after two years.
Entrepreneurship loan amount requirements: Generally, it shall not exceed 70% of the total funds required by the borrower for normal production and operation activities, small equipment (equipment) purchase (installation or repair), and franchise chain operations. The term generally does not exceed 2 years and can be up to 3 years, of which the longest term for production and operation liquidity loans is 1 year. Personal business loans are subject to the term loan interest rate announced by the People's Bank of China, which can fluctuate up or down within the prescribed range.
2. Application process for college student entrepreneurial loans:
1. Receptionist. Applicants will submit their application and relevant application materials to the Management Service Center of the College Student Entrepreneurship Institute, and the Management Service Center of the College Student Entrepreneurship Institute will conduct a preliminary review.
2. Review. For commercial loan discount objects and amounts approved in the first instance, the Personnel Bureau, Ministry of Finance and other relevant departments will review the commercial loan application object information and approve the discount amount based on factors such as industry orientation, enterprise size, employees, registered capital, profit tax, etc.
3. Public announcement. Approved commercial loan discount objects and discount amounts are promoted by the applicant's unit or community, and the promotion period is 5 working days.
4. Approval. After publicity, if there are no objections, the Human Resources Bureau will send an approval notice.
5. Additional. The business community will provide proof of payment to the discount recipients based on the approval notice from the relevant department, and then pay the support money from the special fund for supporting self-employment of college students.
The market has risks. In the process of entrepreneurship, college students must keep their eyes open, investigate the market more, obtain more market information, and choose projects worthy of research and investment to minimize entrepreneurial risks
How to apply for college student entrepreneurship loans 2
College student entrepreneurship loans are a policy launched by the national government for college students to start their own businesses. It is not only open to college students but also to college students within two years of graduation. In addition to loans, the support provided by this policy also includes financing, taxation, entrepreneurial guidance, etc.
Considering the specific situation of college students, entrepreneurial funds have no interest or mortgage, but they have a term, usually one to two years. However, local governments have different levels of emphasis and trust in college student entrepreneurship, which leads to differences in the support they provide.
Some local governments pay special attention to it, and the loan amount and period are larger and wider. For example, in 2008, Chongwen District in Beijing launched a policy that allowed college students to obtain entrepreneurial loans with a maximum limit of 500,000 yuan, and the interest was subsidized by the district government. The "Angel Entrepreneurship" launched by Shanghai in the past few years also set the maximum amount at 500,000 yuan.
So, if you want to know the amount and term of your loan, bring documents that can prove your identity, proof of school experience and business plan, and go to the local government where your registered permanent residence is located and ask. .
Of course, the government does not grant this loan casually, it depends on what your entrepreneurial project is. If you can bring tax revenue to the local government, increase employment, and it is a rising industry, then the government will naturally favor you.
What are the other benefits of this policy?
The registration hall of the industrial and commercial department has a "green channel" to provide priority registration for college students. As long as you do not sell white # or yellow #, your business will be approved and approved. Even for restricted and special business projects, special approval procedures are allowed to be completed while applying.
Except for projects that require pre-approval, a “commitment registration system” will be trialled. What does this mean? That is to say, you can get the business license first, and as for the other seven, seven or eight, you can slowly make up for it later.
Moreover, if someone invests in intangible assets such as human capital, intellectual achievements, industrial property rights, non-patented technology, etc., they can offset 40% of the registered capital.
Various fees are also reduced accordingly. Except for industries restricted by the state, the industrial and commercial departments waive individual industrial and commercial household registration fees, individual industrial and commercial household management fees and various certificate fees for one year.
How to apply for a business loan for college students 3
1. Prepare materials and choose investment projects. To apply for interest-free loans for college students, you need relevant certificates from colleges and universities above, including ID cards, student ID cards, transcripts, graduation certificates, degree certificates and other proof of study at school. If there are scholarship certificates, certificates from class cadres, societies, awards, etc. Certificates can also be prepared together, which can increase the application approval rate.
In addition, when it comes to starting a business, you must have an investment plan. Although you can invest in any industry as long as it is not prohibited by the state, the ultimate goal of a loan is to make a profit, so choose investment projects carefully and complete the investment plan. , let the reviewer think that your investment is promising and valuable.
2. Ask about local policies. Entrepreneurship loans for college students are generally applied at the place of residence (for good projects, you can also apply at the place of residence). Because the economic development levels vary across the country, the intensity of support for college students' entrepreneurship is also different. Therefore, bring your documents and investment plan to the local government to inquire about support policies. That is, which bank should I apply for a loan from? How much loan can I get? Specific procedures for applying for interest-free loans.
3. Bank application. After understanding the procedures, register and inquire with the bank that specifically undertakes entrepreneurial loans. After filling out the relevant forms, ask the bank staff for a detailed process and information. In this way, when handling business in each unit, we should be aware of it.
4. Apply for a business license. The industrial and commercial department has opened a "green channel" for college students to start their own businesses, with priority registration. As long as it is not an illegal project, the industrial and commercial department will grant fee exemptions and relax policies on capital injection. Go to the industrial and commercial department for pre-approval of the company name, fill out the application form, and you will get a formal business license soon.
Of course, before applying for industrial and commercial registration, the necessary places and other conditions must be met.
5. Review by the Bureau of Human Resources and Social Security. Bring the completed documents and apply to the Labor and Employment Department of the Human Resources and Social Security Bureau. After the Labor and Employment Commission initially reviews the materials you submit, it will issue a recommendation form and evaluation report. Then it is handed over to the Guarantee Center, which will review it again. If it finds that there are no problems, the Labor and Employment Guarantee Center will issue a guarantee.
6. Bank approval. Bring the above materials and go to the bank again to submit the materials from the Human Resources and Social Security Bureau, the guarantee provided by the Guarantee Center, and the business license from the industrial and commercial department. At the same time, open an account in the bank, print out the six-month statement, and submit it to the bank for review. Under normal circumstances, you can receive the loan within 7 working days.
How do college students apply for business loans?
The main points for college students to apply for entrepreneurial loans are as follows:
1. Applicants must be over 18 years old and have full civil capacity.
2. Those with a college degree or above, current students, fresh graduates, or graduates who have graduated within two years (if you have graduated for more than two years, you can no longer apply for a business loan as a college student) ).
3. Have a certain amount of own funds and the ability to repay on time.
4. The entrepreneurial project complies with national policies and regulations and has certain development potential and prospects.
5. The personal credit is good, and there are no bad records or serious negative information in the credit report (the credit report in the past two years will mainly be reviewed).
6. Have a fixed residence or business place, and hold a business license issued by the industrial and commercial administration authority and a business license for related industries. Students who meet the above conditions can apply to the College Student Entrepreneurship Park Management Service Center. After the preliminary review by the College Student Entrepreneurship Park Management Service Center, the Personnel Bureau, the Finance Bureau and other relevant departments will conduct a review and determine the amount of the interest discount; it will then be publicly announced. If there are no objections, the Personnel Bureau will issue an approval notice and the Finance Bureau will allocate funds.
How to get a business loan for college students?
College student entrepreneurship loans are unsecured and unsecured college student credit loans issued by banks and other fund-issuing institutions to college students (college students, undergraduates, graduate students, doctoral students, etc.). In order to support college students' entrepreneurship, governments at all levels of the country have introduced many preferential policies, covering many aspects such as financing, business opening, taxation, entrepreneurship training, and entrepreneurship guidance.
(1) University graduates who start their own business within two years after graduation and apply for a business license at the industrial and commercial department where the entrepreneurial entity is located, with a registered capital (capital) of less than 500,000 yuan, are allowed to be paid in installments. The first installment The funds in place shall not be less than 10% of the registered capital (the capital contribution shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within one year, and the balance can be paid in installments within three years.
(2) New enterprises or business units established by college graduates in the consulting, information, and technical service industries will be exempted from corporate income tax for two years upon approval by the tax department; newly established enterprises engaged in transportation, postal and telecommunications Enterprises or business units, with the approval of the tax department, are exempted from corporate income tax in the first year and halved in the second year; newly established enterprises engaged in public utilities, commerce, material industry, foreign trade, tourism, logistics, warehousing Enterprises or operating units in the industry, resident service industry, catering industry, education and culture industry, and health industry are exempted from corporate income tax for one year with the approval of the tax department.
(3) State-owned commercial banks, joint-stock banks, urban commercial banks and qualified urban credit cooperatives in various countries should provide self-employed graduates with simplified procedures and facilitate account opening and settlement. The loan limit is within About 20,000 yuan. The loan period is up to two years. If it is determined to be extended upon expiration, you can apply for an extension. The loan interest is determined according to the loan interest rate announced by the People's Bank of China. The maximum guarantee limit is 5 times the guarantee fund, and the term is the same as the loan term.
(4) The talent intermediary service agency affiliated to the government’s personnel administration department will keep the personnel files (including handling relevant procedures such as social security, professional titles, file wages, etc.) for free for self-employed graduates for 2 years; and provide free talent search , labor supply and demand information, free recruitment advertisements and other services; appropriate exemptions and exemptions for participation in talent fairs or talent labor exchange activities; preferential provision of one-time training and evaluation services for employees who start companies.
(5) The above preferential policies are formulated by the state for all college students who start their own businesses. In order to support local college students to start their own businesses, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality.
The materials and procedures that college students need to provide when applying for entrepreneurial loans are as follows: College students need to bring the original and copy of their registration certificate, the original and copy of their graduation certificate, the original and copy of their ID card, and 2 recent one-inch color photos. The Graduation Office of the Municipal Personnel Bureau applies for the "Self-Employed Entrepreneurship Certificate". Then, with the "Self-Enterprise Entrepreneurship Certificate", you can directly apply for a small guaranteed loan at the Graduate Service Hall of the Municipal Personnel Bureau to engage in 25 low-profit projects with financial subsidies, such as cottage industry.
Specific procedures:
Step one: apply. Graduates should apply to the Municipal Personnel Bureau with various materials.
The second step: preliminary review. The Municipal Personnel Bureau is responsible for pre-loan review, reviewing whether graduates meet the loan conditions and whether the loan application project is a fiscal subsidy and low-profit project, and issuing a recommendation form. At the same time, graduates who apply for small guaranteed loans will be evaluated on their entrepreneurial ability.
Step 3: Review. The application will be reviewed by the district/county (city) personnel bureau and submitted to the district/county/city guarantee agency for review.
Step 4: Guarantee. The guarantee agency reviews the loan applicant's guarantee application and the counter-guarantee measures provided.
Step 5: Approval.
The handling bank, in conjunction with the district/county (city) personnel bureau and the guarantee agency, will jointly review the loan project and be responsible for the final review of the loan application. If the loan is approved upon review, the handling bank shall sign a guarantee contract with the guarantee institution, and at the same time sign a loan contract with the loan applicant.
Step 6: Lending.
How to get student loans?
1. Apply for a student loan through the China Development Bank, and enjoy the interest-free preferential policy during school. The repayment after graduation will be calculated according to the central bank’s benchmark loan interest rate for the same period; 2. Apply for college students through major banks For a credit loan, you need to be over 18 years old, have no bad credit history, and have no other liabilities; 3. Be careful of routine loans or loans through loan platforms or institutions on the market, and be sure to find a formal and reliable platform. There are four main forms of loans: national student loans; credit-based student loans from the student’s place of origin; interest-free borrowings by universities using state financial funds for students; and general commercial student loans. Among them, national student loans have the largest funding intensity and scale and are the main content of student loans. Public full-time colleges and universities should actively implement the national student loan policy and work with cooperative banks to apply for national student loans for students from poor families in colleges and universities. In addition, some private colleges and universities have launched national student loans. Students should pay attention to the relevant statements in the school's admissions brochure or admission notice. Generally speaking, students from poor families need to apply for national student loans from local banks through the schools they attend. . In principle, students apply once and banks issue national student loans in installments while they are in school. What materials are needed to apply for a national student loan: National student loan application form; copies of my student ID card and resident ID card (minors must provide valid proof of identity of the legal guardian and proof of written consent to apply for the loan); my financial support for the family A description of the difficulty; a certificate of family financial difficulty issued by the relevant department where the student’s family is located. Students themselves bear legal responsibility for the authenticity of the materials they provide. Review and Approval The relevant departments of the school are responsible for reviewing the qualifications of national student loan applications submitted by students and verifying the authenticity and completeness of the materials submitted by students; the bank is responsible for the final review and approval of students' loan applications. Repayment method: Before students graduate, they pay it off in one lump sum or in installments; after they graduate, they use their available funds to repay the loan; after the graduates’ internship period expires, the units where they work will deduct the loan monthly from their wages within two to five years. ; The unit where the graduates work may decide to exempt or exempt the advanced loan based on their work performance; for students who have taken loans and are expelled from school, ordered to drop out of school, or students voluntarily drop out of school due to violation of national laws and school disciplines, they shall be The student's parents are responsible for repaying the entire loan.
How much can college students get entrepreneurship loans?
Bank of China provides entrepreneurship loans for college graduates. The entrepreneurial loan limit for college graduates is: the maximum loan amount granted to qualified individuals is adjusted to 100,000 yuan. For partnerships, the loan scale can be appropriately expanded based on the number of people and business projects. For partnerships with 3 or more people, the loan scale will be reasonably determined based on 50,000 yuan per person, and the total maximum amount shall not exceed 200,000 yuan. If you have loan needs, it is recommended to contact the local branch for detailed consultation.
The above content is for your reference, please refer to actual business regulations.
The maximum entrepreneurial loan for college students is 50,000. For some special loan projects, the loan period can be extended to four years on the basis of the two years stipulated by the state. The interest on loans for low-profit projects that comply with the provisions of national loan interest subsidy funds will be fully subsidized by the central government for the first two years, and the interest will be subsidized by the district-level finance for the next two years. The interest on loans for non-subsidized projects will be subsidized by the district-level finance for the same period during the loan period. An interest discount of 10% of the loan base interest rate is provided. The municipal finance will subsidize 60% of the interest subsidy funds borne by each region's finances. Just bring your ID card and household registration book to a bank to get a business loan for college students.
This concludes the introduction to student entrepreneurship loans and interest-free loans for college students to entrepreneurship. Have you found the information you need?