1. Has anyone ever applied for a business loan for college students? The specific process, where to apply, and what is needed...
Steps/Methods
Prepare documents
Documents include: "Employment and Unemployment Registration Certificate" issued by the labor and social security department or military retired personnel certificate issued by the army or "Graduation Certificate for College Students" or land loss certificate or issued by the township (street) labor and security station Proof of returning home to start a business.
Submit an application
Submit it to the community labor and social security service center or township labor and social security station where you start your business.
Fill in the form
Fill in the "Application and Approval Form for Small Guaranteed Loans to Promote Employment" (in duplicate).
Pass the preliminary review
The labor and social security agency will conduct a preliminary review and recommend those who pass the preliminary review to guarantee agencies at or above the county level.
Pass review
The guarantee agency will review the qualifications of the loan recipients, review their re-employment projects, sign their opinions, and provide the "Evaluation Opinions on Small Guaranteed Loan Projects to Promote Employment".
Applying for a loan
Applicants should go to a commercial bank to apply for a loan with the above information. The commercial bank will complete the loan investigation and review procedures within 10 working days from the date of receipt of the loan application. If the loan conditions are met, the loan will be issued in a timely manner; if the loan conditions are not met, the loan will be promptly provided and the reasons will be given.
Notes
Pay attention to the personal loan conditions when applying for this type of loan. There are three important application conditions for college student entrepreneurial loans: First, the loan applicant must have a fixed residence or business place. Secondly, a business license and operating permit, stable income and the ability to repay principal and interest; thirdly and most importantly, the entrepreneur has a certain amount of his own funds for the project he invests in.
Hope it helps!
2. How to get a loan for college students with entrepreneurship qualification certificate?
1. Have not been employed for more than 6 months after graduation, and have registered as unemployed with the local labor and social security department.
2. College graduates or above
Application process:
1. Acceptance. The applicant applies to the University Student Entrepreneurship Park Management Service Center and submits relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center;
2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount;
3. Public announcement. The objects and amounts of commercial loan interest discounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days.
3. Does anyone know how to apply for entrepreneurial loans for college students in Bayannur, Inner Mongolia? The specific required procedures and procedures, urgent! ! !
For college graduates’ entrepreneurial loans, please refer to Harbin City. For other regions, please consult the local human resources and social security departments.
(1) College graduates must first go to the local industrial and commercial bureau to apply for a business license with proof of entrepreneurship.
(2) College and technical secondary school graduates who apply for loans must register with the community where their business place is located and fill out the "Entrepreneurship Application Form" with their employment academic certificates and guarantee certificates.
1: The guarantor must be guaranteed by the author who works in the corresponding state agency or enterprise or can issue a real estate certificate. It can also be a guarantor that can issue a bank deposit with an amount exceeding the loan limit. Just choose a guarantee.
(4) After review and approval, the community will submit it to the district human resources and social security department for approval.
(5) If the application meets the approval conditions, the district human resources and social security department will submit it to the Harbin Financial Guarantee Center for approval.
(6) After approval by the Financial Guarantee Center, the Lida Branch of Harbin Bank will review and issue the loan.
Note: Materials required for application
(1) Make a written application and receive a small guaranteed loan application (review) form in the community under your jurisdiction.
(2) Identity document (ID card, household registration), employment certificate or graduation certificate.
(4) My business license.
(5) Business location
(6) The guarantor’s ID card, household registration and salary income issued by the unit.
Preferential policies for college students to start their own businesses:
1. What are the preferential policies for graduates to start their own businesses?
Answer: The initial capital contribution when starting a business is allowed to be zero. It is allowed to use college graduates who are qualified for fire-fighting rental housing or temporary commercial use to engage in self-employment (except for national restricted industries). According to regulations, management, registration and license fees will be exempted within 3 years from the date of first registration with the industrial and commercial department. Relevant administrative charges. Expanded college graduates who have insufficient self-financing can be granted small guaranteed loans of no more than 50,000 yuan (the maximum amount of small guaranteed loans for female college graduates can reach 80,000 yuan); for those who are engaged in partnership and organized employment, they can be provided with a small guaranteed loan of no more than 50,000 yuan. It is stipulated to appropriately expand the loan scale and the loan period is 2 years. Individuals who apply for and engage in low-profit projects will receive a full interest subsidy from the finance department based on actual conditions. Organize college graduates with entrepreneurial aspirations to participate in entrepreneurship training, and provide flexible employment strategies for professional students through various forms.
2. Graduates can enjoy the benefits of entrepreneurship
College graduates who newly establish private technology enterprises and engage in technology transfer, technology generation, technology consultation, technology services, and technology yuan or less are exempt from income tax. . Newly established independent accounting enterprises engaged in the consulting industry, information industry, and technical service industry will be exempted from income tax in the first year from the date of opening; those engaged in the transportation industry, postal and telecommunications industry, and income tax will be halved in the second year; Those engaged in public institutions, commerce, materials industry, foreign trade, tourism, warehousing industry, resident service industry, and catering industry are exempted from income tax for one year; enterprises established in difficult and remote areas and key counties for national poverty alleviation and development work are exempted from income tax for one year. Income tax is levied for 3 years.
3. What subsidy policies can graduates enjoy when starting their own businesses?
Answer: College and technical secondary school graduates who start a business and meet the conditions for social insurance subsidies will be provided with social insurance subsidies for no more than three years according to regulations; registered unemployed college and technical secondary school graduates who have been unemployed for more than one year Those who participate in the vocational skills appraisal will be given a one-time vocational skill appraisal subsidy in accordance with regulations; they will enjoy preferential policies such as capital contribution, business location, and taxation in accordance with regulations; graduates who participate in projects such as "Three Supports and One Support" and "Village College Students" will be provided services. If you start a business after expiration, you will also enjoy the above policies.
For details, you can consult the municipal People's Insurance Bureau in the place where you have your registered residence.
4. How to apply for college student entrepreneurial loans
Abstract: As we all know, college student entrepreneurial loans are unsecured and unsecured college student credit loans issued by banks and other fund-issuing institutions to students from various universities. So, how to apply for business loans for college students? What are the precautions for handling? Now, the Kabaobao editor will explain it to you.
1. Concept of Entrepreneurship Loans for College Students
Entrepreneurship loans for college students are free loans issued by banks and other fund-issuing institutions to students (college students, undergraduates, graduate students, doctoral students, etc.) Unsecured college student credit loans. 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.
2. Application conditions for entrepreneurial loans for college students
1. Freshly graduated college students, and college students who have graduated within two years;
2. College degree or above;
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3. Over 18 years old.
3. Application Process for Entrepreneurship Loans for College Students
1. Acceptance. The applicant applies to the University Student Entrepreneurship Park Management Service Center and submits relevant application materials, which will be initially reviewed by the University Student Entrepreneurship Park Management Service Center;
2. Review. For commercial loan interest discount objects and amounts that have passed the preliminary review, the Personnel Bureau, together with the Finance Bureau and other relevant departments, will review the information of the commercial loan interest discount objects based on factors such as industry orientation, enterprise size, number of employees, registered capital, profits and taxes, and determine the interest discount. Amount;
3. Public announcement. The commercial loan interest discount objects and interest discount amounts that have been reviewed and approved will be publicized by the Personnel Bureau and the applicant's unit or community. The publicity period is 5 working days;
4. Approval. If there is no objection after publicity, the Personnel Bureau will issue an approval notice;
5. Appropriation. According to the approval notice from relevant departments, the Finance Bureau will allocate funding from the special funds to support college students' independent entrepreneurship after the interest discount recipients provide interest payment certificates.
IV. Application Materials for Entrepreneurship Loans for College Students
1. "Application Form for Entrepreneurship Funding for College Students (Commercial Loan Subsidy)"
2. "Status of Personnel in Entrepreneurship Enterprises for College Students" Form"
3. "Student Enterprise Application Form for Entrepreneurship Funding"
4. Copy of legal person ID card, household register or household registration certificate, graduation certificate (student ID card)
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5. Copy of enterprise business license, tax registration certificate, organization code certificate
6. Copy of capital verification report issued by accounting firm
7. Loan contract Copies
8. Copies of company articles of association
9. Copies of technical cooperation agreement, patent certificate, patent application acceptance notice, etc. (please submit if necessary)
< p>10. Copies of relevant award certificates, etc.11. Recommendations from mentors or venture capital firms, venture capital institutions and related companies, etc.
(Note: Due to the entrepreneurship loans for college students in various regions Relevant policies are different, so the application conditions will also be different. The information provided by Kabaobao.com is for reference only. Applicants must prepare according to the different requirements of the loan project they are applying for, and analyze specific issues in detail)
5. Ways to get loans for college students
There are three main ways for college students to apply for entrepreneurial loans: apply for loans directly from banks, apply for discount loans for small and medium-sized technological enterprises, and use new technological achievements or intellectual property rights and patent rights for guaranteed loans. . However, because banks are very strict in reviewing personal loan applications, they pay special attention to the repayment ability of loan applicants. College students have just started their own business and have little repayment ability in the eyes of the bank's loan review department, so it is difficult to get what they need. For loans, it is recommended that college students should not use the first method to apply for a loan.
VI. Preferential loan policies for college students
(1) Financial loans
1. Priority loan support and appropriate credit loans. Increase support for self-employment loans for college graduates. For those who can provide effective asset mortgages (pledges) or high-quality customer guarantees, college graduates can be the borrowers, and the guarantee can be the stable income or effective income of their family or immediate family members. The assets provide corresponding joint guarantees. Financial institutions will give priority to credit support for those with good credit standing and guaranteed repayment. For entrepreneurial loans for college graduates, credit loans should be appropriately extended on the basis of controllable risks.
2. Simplify loan procedures. By simplifying loan procedures, the credit loan amount can be reasonably determined for turnover within a certain period. 3. Interest rate concessions. Provide certain preferential interest rate support for entrepreneurial loans. Depending on the risk of the loan, the statutory loan interest rate may be appropriately lower or slightly higher.
In fact, the difficulty in obtaining entrepreneurial loans for college students lies in the inability to provide valid assets as collateral or pledge. Many banks have launched personal business loans for natural persons who have permanent urban residence or valid residence status and are over 18 years old. This type of business loan requires individuals to use certificates of deposit, or real estate mortgage loans and secured loans.
(2) Tax payment
Any college graduate who engages in self-employment will be exempted from paying the tax registration certificate fee within one year from the date of approval of the business by the industrial and commercial department. If a newly established urban labor and employment service enterprise (except for industries restricted by the state) places unemployed persons (including college graduates who have registered as unemployed, the same below) in the current year exceeds 60% of the total number of employees of the enterprise, it may be approved by the competent tax authority. Income tax exemption for 3 years. After the tax exemption period for labor and employment service enterprises expires, if the newly placed unemployed people account for more than 30% of the total number of original employees of the enterprise in that year, they can pay half of the income tax for 2 years with the approval of the competent tax authorities.
(3) Enterprise operations
1. Employee recruitment and training enjoy reduced fees. For enterprises independently founded by college graduates, within one year from the date of approval of their operation by the industrial and commercial department, they can search for free talents on the websites of talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies. Labor supply and demand information, free recruitment advertisements, etc.; participating in talent fairs or talent and labor exchange activities organized by talent intermediary service agencies affiliated to the government's personnel, labor and social security administrative departments and public employment agencies will provide appropriate fee reductions and exemptions; the government The talent intermediary service agency affiliated to the human resources department provides free training, professional graduates, and evaluation services to employees who start companies at a discount.
2. Personnel file management is free of charge for 2 years.
For college graduates who start their own business, the talent agency service agency affiliated to the government's personnel administration department will keep their personnel files (including handling relevant procedures such as social security, professional titles, files and wages, etc.) free of charge for two years.
3. There is a separate channel for social insurance participation. College graduates who engage in self-employment can go through the social insurance participation procedures at the individual payment windows set up by social insurance agencies at all levels.