What are the conditions for Yunnan college students to start a business loan?

1. What are the conditions for Yunnan college students to start a business loan?

College Students' Entrepreneurship Loan in Yunnan Province:

First, the application conditions:

1, college degree or above;

2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Second, the loan period:

The term is 1 ~ 2 years, and there is no financial discount after 2 years.

Three. Loan method:

The way for college graduates to start businesses is guarantee and mortgage.

Four. Related instructions:

The specific operation method can be consulted with the local labor and social security bureau.

In addition, there are other preferential policies for college students' entrepreneurship. For example, those who are engaged in self-employment will be exempted from administrative fees for industrial and commercial registration management within 1 year.

Verb (abbreviation of verb) application materials:

When applying for such loans, three points are more important:

First, the loan applicant must have a fixed residence or business premises;

Second, business license and business license, stable income and ability to repay principal and interest;

The third and most important point is that the projects invested by entrepreneurs already have their own funds.

Only those who meet the above conditions can apply to the bank. The materials to be provided at the time of application mainly include: proof of marital status, proof of repayment ability such as personal or family income and property status; Agreements and contracts related to the purpose of the loan; Guarantee materials, involving the ownership certificate and list of collateral or pledge, and the appraisal report of collateral (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.

The amount of risk loans generally requires:

① The maximum amount shall not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation;

(2) The term is generally 2 years, with a maximum of 3 years, of which the longest term of working capital loans for production and operation is 1 year;

(3) Individual business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, which may fluctuate within the prescribed scope.

Loan repayment method:

1. For individual entrepreneurial loans with a loan term of less than one year (including one year), the principal and interest shall be repaid in one lump sum, and the profits shall be paid off with the principal;

2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be equal principal and interest repayment method or average capital repayment method;

3. It can also be repaid in other ways agreed by both parties.

2. Is there a business loan for college students in Kunming, Yunnan, and how to apply? What are the requirements?

What are the preferential policies for fellow travelers to find funds again?

Third, how to get a business loan in Kunming?

Kunming Youth Entrepreneurship Promotion Association (ybc Kunming Office) has received your download request. Please follow the displayed download path to obtain the Registration Form of Kunming Youth Entrepreneurship Plan, the Entrepreneurship Plan Template and the Tips for Filling in the Entrepreneurship Plan. After downloading, please write your business plan in detail and fill in the cash flow statement according to the main points listed in the business plan. After writing, please print out your Application Form for Kunming Youth Entrepreneurship Plan and submit it to Kunming Youth Entrepreneurship Promotion Association (ybc Kunming Office) at the following address, or mail it directly to this address so that we can review your project as soon as possible! (We only accept printed business plans) Address: Jingze Building 1 Building, No.7 Xunjin New Village, Kunming (behind Jinbi Industrial and Commercial Branch) Postal code: 650 100 Tel: 0871-3181065, 330. Download path of "Manage/uploadfiles/27560.doc" business plan template: /manage/uploadfiles/80682.doc Download path of "Business Plan Filling Skills": /manage/uploadfiles/ 48542.doc Note: 1. The template of "Business Plan" lists the outline and key factors to be considered in the form of questions. Please elaborate on the implementation of your business project according to the requirements (analyze it in combination with the actual survey data). 2. When writing a business plan, if you can't fully grasp the main points to be analyzed, you can refer to the explanatory tips of the main points mentioned in Tips for Filling in a Business Plan and finally complete your business plan. 3. The cash flow forecast table is an important basis to reflect the analysis of financial situation. Please fill it out after carefully analyzing the implementation of entrepreneurial projects when writing.

I've been learning about this recently. College students can borrow up to 50,000 yuan for starting a business, without guarantee or mortgage. However, there are some difficulties in business planning and cash flow budget. Ybc will approve it after you have finished it, and then give you money after you have approved it.

4. Is there a business loan for college students in Kunming, Yunnan, and how to apply? What are the requirements?

There are college students' entrepreneurial loans.

Application procedure

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

Two. 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 county industrial and commercial bureaus.

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.

Application conditions

1, fresh graduate, graduated within two years;

2. College degree or above;

3. 18 years old or older.

Extended data:

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

5. payment. According to the examination and approval notice of the relevant departments, after the discount object provides the interest payment voucher, the Finance Bureau will allocate funds from the special fund for supporting college students' self-employment.