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 a higher amount of loans. Generally, the term of applying for operating loan is 1 year, and the longest period is not 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.
Loan requirements:
(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.
Loan procedures:
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), go to the registration hall of the Municipal Administration for Industry and Commerce and the industrial and commercial bureaus of counties and districts to get the registration form.
(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.
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. Where to get a loan reminder because the bank is very strict in reviewing personal loan applications, especially paying attention to the repayment ability of applicants, and college students have just started a business, and it seems that they have almost no repayment ability in the loan review department of the bank, so it is difficult to get the loans they need. College students are advised not to apply for loans in the first way.
Application materials:
1, identification;
2. Students need to provide student ID cards and transcripts; College Students' Creative Loan Consultation
3. Graduates are required to provide graduation certificates 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.