College Student Loan 2020 Video

How do college students get loans?

Related introduction

College students' entrepreneurship loan is a preferential measure provided by the state to college students. In order to support college students' entrepreneurship, governments at all levels have introduced many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects. The fund demand for starting or re-starting issued by individuals who have certain production and business operation ability or have engaged in production and business operation activities is recognized by the bank as a special loan with effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers launched in many areas can also enjoy 60% government discount. College Students' Creative Loan Consultation

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Application for college students' entrepreneurial loan

Application conditions:

1, a college student who graduated within two years;

2. College degree or above; College students' entrepreneurial loans 3. 18 years old or older.

Application process:

1. accepted. The applicant applies to the management service center of the College Students Pioneer Park, and submits relevant application materials, and the management service center of the College Students Pioneer Park conducts preliminary examination;

2. review. The personnel bureau, in conjunction with the Finance Bureau and other relevant departments, will review the information of the object of applying for commercial loan discount according to factors such as industry orientation, enterprise scale, employment number, registered capital, profits and taxes, and verify the discount amount;

3. publicity. The commercial loan discount object and discount amount approved by the review shall be publicized by the Personnel Bureau and the unit or community where the applicant belongs, and the publicity period shall be 5 working days;

4. approval. If there is no objection after publicity, the Personnel Bureau will issue a notice of approval;

5. payment. According to the reply notice, after the discount object provides the interest payment certificate, the Finance Bureau will allocate funds from the special fund to support college students' self-employment.

6. Application materials for college students' entrepreneurial loans

No. Material Name Number of Copies Remarks

1 The application form for college students' entrepreneurship assistance (commercial loan discount) is in triplicate, and an electronic document is prepared.

2. 1 copy of "Information Form for College Students Entrepreneurial Enterprise Personnel"

3. 1 copy of "Application for Venture Capital of College Students"

4 1 Copy of corporate ID card, household registration book or household registration certificate, graduation certificate (student ID card)/

5 1 Copy of business license, tax registration certificate and organization code certificate/

6 Copy of capital verification report issued by accounting firm 1 copy/

7 loan contracts 1 copy/

8 Copy of Articles of Association 1 copy/

9 65,438+0 copies of technical cooperation agreements, patent certificates and patent application acceptance notices. If necessary, it may not be submitted.

10 copies of relevant award certificates, etc. 1 each copy.

1 1 letters of recommendation from tutors or venture capitalists, venture capital institutions and related enterprises, each 1.

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Application material

1, identification;

2. Students need to provide student ID cards and transcripts; College students' entrepreneurial loan consultation III. Graduates need to provide diplomas and degree certificates;

4. Checklist of frequently used bankbooks or bank cards in the past 6 months;

5. Other credit certificates (if any): certificate of scholarship, certificate of class cadres, certificate of community activities, certificate of various honors/social rewards, such as blood donation and voluntary teaching.

And:

(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;

(2) Proof of repayment ability such as personal or family income and property status of college students' entrepreneurial loan applicants;

(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, as well as relevant agreements, contracts or other materials in the use of loans;

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.

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Commercial characteristics

1. Credit is related to the loan amount.

2. Enjoy low-cost loans.

3. Various repayment conditions

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Loan requirement

(1) The applicant for college students' entrepreneurial loan has reached the age of 18, and has a valid identity certificate and a legal residence certificate at the place where the loan bank is located, and has a fixed residence or business premises;

(2) Applicants for college students' entrepreneurial loans hold business licenses issued by the administrative department for industry and commerce and business licenses of related industries, engage in legal production and business activities, and have stable income and the ability to repay the principal and interest;

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

(4) The use of college students' entrepreneurial loans conforms to the relevant national laws and bank credit policies, and it is not allowed to be used for equity investment;

(5) Open a settlement account in a bank, and the operating income will be settled by the bank.

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procedure

1. Please consult the Banking Department for matters related to college students' business application for loans;

2. The procedures for obtaining a business license are as follows:

(1) Get the registration form from the registration hall of the Municipal Administration for Industry and Commerce and the industrial and commercial bureaus of counties and districts.

(2) Apply to the registration authority for pre-approval and registration of the company name;

(3) Fill in the company registration form and submit the capital verification report, articles of association and site certificate, and submit an application for company registration to the registration authority.

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Loan channel

There are three main ways for college students to apply for business start-up loans: directly applying for loans from banks, applying for discount loans for small and medium-sized science and technology enterprises, and using new technological achievements or intellectual property rights and patents as security loans. However, because banks are very strict in examining personal loan applications, especially paying attention to borrowers' repayment ability, and college students have just started their own businesses, it is difficult for them to obtain the loans they need. College students are advised not to apply for loans in the first way.

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Related products

Hengfeng bank Co., Ltd.-Personal Small Short-term Credit Loan

Standard chartered bank-unsecured personal loans.

Harbin Bank-Personal Wage Guarantee Loan

Harbin bank-personal credit loan

Citibank-Happy Time Loan

China Bohai Bank-Modern Loan

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preferential policy

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 register in advance 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 various expenses. 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 technology", "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 Provincial Administration for Industry and Commerce, 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.

Financial loan

1. Give priority to loan support 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.

2. Simplify the loan procedures. By simplifying the loan procedures, the credit line is reasonably determined and used within 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.

pay taxes

College graduates who are engaged in self-employment are exempted from paying the tax registration certificate fee 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.

Enterprise operation

1. Staff recruitment and training enjoy free discounts. For enterprises founded by college graduates independently, they can inquire about the supply and demand information of talents and labor force and publish job advertisements free of charge on the websites of talent intermediary service agencies and public employment agencies affiliated to the government personnel and labor security administrative departments within 1 year; Participate in talent recruitment fairs or talent service exchange activities organized by talent intermediary service agencies and public employment agencies affiliated to the administrative department of personnel and labor security of the government, and give appropriate fee reductions; The talent intermediary service institutions affiliated to the government personnel department provide free training and evaluation services for graduates who start enterprises, and provide preferential treatment for employees who start enterprises. 2. Personnel file management is free for 2 years. For college graduates who start their own businesses, the personnel intermediary service institutions affiliated to the personnel administrative department of the government shall keep their personnel files (including social security, professional titles, file wages and other related procedures) free of charge for two years. 3. There are separate channels to participate in social insurance. Self-employed college graduates can apply for social insurance at the individual payment window set up by social insurance agencies at all levels.

Beijing

From May, 2006, in addition to those who hold the Beijing Re-employment Concession Certificate, unemployed university graduates with Beijing hukou who want to engage in self-employment or start small businesses independently or in partnership can also apply for small secured loans.

Last year, the new policy issued by Chongwen District stipulated that entrepreneurs in Chongwen District can get a loan of up to 500,000 yuan, and the district finance will give them a discount. At the same time, the number of loan subjects stipulated in the new policy has also increased. In addition to unemployed, unemployed and entrepreneurial college students, eligible students of Chongwen District Entrepreneurship Training Course, members of entrepreneurs' clubs and private owners who start businesses in this area can apply for the loan.

Shanghai

In order to encourage graduates to start businesses, Shanghai has set up an "angel fund" for college students to start businesses. The "angel fund" for college students' entrepreneurship is up to 300,000 yuan, and college students can get 500,000-300,000 yuan for entrepreneurship.

Chongqing

University graduates who have not been employed for more than half a year and have a fixed account can register in the neighborhood Committee where the account is located and apply for a bank mortgage or secured loan of 3,000 to 4,000 yuan; In addition, in order to adapt to the changes in the employment situation of college students, in the past two years, Chongqing has successively introduced measures such as self-employment of college students, equal opening of employment resources and employment market to local and foreign students, and created more employment opportunities for college graduates.

Taiyuan

Taiyuan registered unemployed college graduates who want to start their own businesses can apply for a small secured loan of no more than 50,000 yuan. The financial department of the county (city, district) may entrust a designated guarantee institution to provide guarantee for it, and the county (city, district) shall be responsible for making up for the operating gap of small secured loan funds.

Fujian Province

College graduates who start their own businesses can enjoy discount policies in the form of small secured loans. The maximum amount of discount loans is 50,000 yuan, and the financial sector will give full discount within 3 percentage points of the benchmark loan interest rate announced by the People's Bank of China for the same period. At the same time, relying on the Communist Youth League Committee, we will set up a guarantee fund for college students' self-employment to provide guarantee services for college graduates who need guarantees in different places.

Qingdao

Qingdao allocated100,000 yuan to set up the "Qingdao College Graduates Entrepreneurship Support Fund" to support college graduates to start their own businesses. Self-employed college graduates can apply for small secured loans, with the maximum loan amount not exceeding 50,000 yuan. For those engaged in low-profit projects, the finance at the same level will give full discount according to the facts; Teams with more than two people can be relaxed to 200,000 yuan.

Sichuan Province

2. Reduce various expenses. Except for national industries, the industrial and commercial departments shall exempt individual industrial and commercial households from registration fees (including registration, change registration and replacement fees), 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 applying for high-tech enterprises (including limited liability companies) have 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 technology", "new technology" and "high technology". College graduates who engage in sports such as community service will be exempted from industrial and commercial registration within 1 year after being reported by the neighborhood committee to the local administration for industry and commerce for the record, and all kinds of industrial and commercial management fees will be exempted.

How to apply for a student loan and what is the process?

Student-origin student loan is a student loan provided by China Development Bank for poor college students. As long as you have obtained a nationally recognized college admission notice and meet the requirements of the state for poor families, you can apply for the exam.

1. Apply for a loan. Eligible students log on to the "Student Online Service System", find the "Loan Application Form", click "Add", fill in the information, and then export and print the "National Development Bank Student Loan Application Form".

2. Qualification examination. If it is the first time to apply for a loan, you need to hold the application form to any unit of high school, village (neighborhood) Committee and township (street) civil affairs department for qualification review and build official seal. If it is a loan renewal, there is no need to review it. You can go directly to the county-level funding center for loan renewal procedures.

3. Sign a loan contract. After the seal, the student and * * * together with the borrower go through the loan formalities at the county-level rescue center.

This answer is provided by Fuguihua, I hope it will help you. Youyouhua, as the credit brand of Xiaoman Finance (formerly Baidu Finance), provides users with convenient, fast and safe Internet credit services with a maximum loanable amount of 200,000 yuan.

What are the procedures for college students to apply for interest-free loans?

College students applying for interest-free loans need the following procedures:

1. When applying for the registration of the establishment of individual industrial and commercial households, college graduates shall present to the registration authority the graduation certificate and personal identity card of ordinary colleges and universities, and the national employment registration certificate for graduates of ordinary colleges and universities or the national employment registration certificate for graduate students (hereinafter referred to as the "registration certificate") issued by the employment authorities of provincial colleges and universities;

2. After verification by the registration authority, go through the registration formalities according to law, indicate the registration time on the registration certificate, affix the seal of the registration authority and return it to me, and indicate "college graduate" after the name of the business license operator of individual industrial and commercial households;

3. College graduates are exempt from the above-mentioned related fees with the business license of individual industrial and commercial households.

Information required for applying for interest-free loans

1, proof of marital status, personal or family income and property status and other repayment ability documents;

2. Agreements and contracts related to the loan purpose;

3. Guarantee materials, involving the ownership certificate and list of the mortgaged property or pledge, and the appraisal report of the mortgaged property (pledge) issued by the appraisal department recognized by the bank.

In addition to written materials, there must be collateral. There are many mortgage methods, such as chattel and real estate mortgage, time deposit certificate pledge, securities pledge, movable property pledge with strong liquidity, qualified guarantor guarantee, etc. The payment amount is determined according to the specific guarantee method.

For the above contents, please refer to Baidu Encyclopedia-Interest-free Loan for College Students' Entrepreneurship.

For the above contents, please refer to the Human Resources and Social Security Bureau of Lu 'an City-consulting the relevant issues of interest-free loans and entrepreneurship subsidy policies for college students.

How to handle college students' loans?

The application process of college student loan: student application → school preliminary examination → bank approval → both parties sign a contract → bank issues a loan → repay the loan after graduation;

First, you must submit the application materials. After understanding the relevant policies, you need to prepare the corresponding loan application materials according to the regulations, mainly including ID card, household registration book, application form, proof of family economic status, etc. And then submit the prepared materials to the financial aid center of the school.

2. The school conducts a preliminary examination. After receiving the loan application materials provided by the students, the school financial aid center will conduct a preliminary examination of the relevant materials to see if the students meet the application conditions.

3. The bank conducts a review. After the preliminary examination, the school will transfer the relevant information to the loan bank, and the loan bank will review the loan qualification.

4. Sign a loan contract. After the bank has approved the applicant's information, it will notify the applicant to sign a loan contract and stipulate the repayment method and time limit.

5. Banks issue loans. After the loan contract is signed, the bank will issue the loan to the applicant as scheduled according to the contract.

6. Repay the loan in time after graduation. After the applicant finishes his studies, he needs to fulfill the repayment obligation according to the loan contract. After the loan is paid off, the loan contract is automatically terminated.

Information that the student loan borrower should provide.

1. Application Form for Personal Consumption Loan of Agricultural Bank of China truthfully filled out by the borrower.

2. A valid certificate provided by the school.

3. Personal income certificate of the owner of the real estate.

4. In the form of mortgage, pledge or third-party guarantee (except for insurance companies), the collateral, the list of pledged goods, the certificate that the person with the right of disposition agrees to mortgage and pledge, the certificate of ownership or use right of the collateral, the identification and insurance documents, the certificate of pledge right and the document that the guarantor agrees to guarantee shall be submitted.

5. If the repayment guarantee is in the form of insurance with an insurance company, it shall submit a written commitment from the insurance company to handle the installment repayment of consumer loan insurance.

6, has been deposited in the loan bank not less than the prescribed proportion of the total tuition and fees, notary fees, insurance premiums and other deposit certificates.

7. The authorization letter for the transfer of funds by the entrusted loan bank shall stipulate that after the loan contract signed by the loan bank and the borrower comes into effect, the loan bank can directly transfer the funds from the borrower's deposit account to the designated payee.