2020 Startup Loan for College Students - Maximum Amount of 1 Million Yuan Startup Loan
College student entrepreneurship is a kind of entrepreneurial process with a special group of college students and graduates as the main entrepreneurial body. The entrepreneurial capital is not enough need to use entrepreneurial loans, the following I recommend 2020 college students entrepreneurial loans, I hope to help you!
The reporter learned from the city government on the 14th, the city issued a "on doing a good job in the current and future period to promote employment" notice, the city will further reduce the cost of enterprise labor, continue to extend the unemployment insurance phased reduction in the rate of the policy, the unemployment insurance premium rate will be maintained at 1%, to support the enterprise to reduce the cost and efficiency.
50%
On the law to participate in full payment for more than one year and no layoffs or fewer layoffs of enterprises, can be returned to its actual payment of unemployment insurance premiums for the previous year 50%.
3 million yuan
The maximum amount of guaranteed loans for entrepreneurship can be increased to 3 million yuan for qualified small and micro enterprises.
10,000
It will take three years to realize that more than 10,000 young people will participate in employment apprenticeship.
10 times
The balance of loan liability guaranteed by the guarantee fund can be expanded to 10 times the amount of the guarantee fund.
150,000 yuan
The loan ceiling for eligible self-employed entrepreneurs applying for guaranteed loans for entrepreneurship can be raised to 150,000 yuan.
Unemployed persons from enterprises in difficulty who registered as unemployed during the year
Included in the scope of persons in difficulty in employment
Continuing to implement the "escorting action" of unemployment insurance to assist enterprises in stabilizing their jobs and implementing the policy of refunding unemployment insurance premiums, and returning 50 percent of the actual unemployment insurance premiums paid by them in the previous year to the enterprises that have participated in the insurance program for more than one year in accordance with the law and did not layoff any workers or fewer workers. For enterprises that have participated in the insurance program in full for more than one year according to the law and do not lay off employees or have fewer layoffs, they can be refunded 50% of the actual unemployment insurance premiums paid in the previous year. For insured enterprises with historical arrears of unemployment insurance premiums, they can apply for a refund after making up the arrears or signing a deferment agreement in accordance with the regulations; for enterprises in pillar industries with large-scale unemployment risks and no or few layoffs, the refund standard will be raised by 10%-20% after reporting to and approval of the Provincial Department of Human Resources and Social Security.During the period of January 1 to December 31, 2019, for enterprises that face During the period from January 1 to December 31, 2019, for enterprises facing temporary production and operation difficulties and hopefully recovering, and insisting on not laying off or less layoffs, the return standard will be determined according to the monthly per capita unemployment insurance premiums in the city and the number of insured employees for six months after being recognized for the record.
At the same time, the establishment and improvement of governmental financing guarantee system, governmental financing guarantee institutions to give priority to eligible small and micro-enterprises to provide low-fee guarantee support. The implementation of the fee reduction and subsidy policy for financing service business, focusing on supporting financing guarantee institutions with single-family loans of 10 million yuan or less, a large volume of small and micro-enterprise guarantee business, and a guarantee fee rate of less than 2%, to reduce the fee rate of financing guarantee for small and micro-enterprises.
The establishment of the difficult enterprise help desk. For enterprises that really need to lay off employees, guide them to formulate layoff programs in accordance with the law, specify the list of employees to be laid off, the time of layoff, the implementation steps, the economic compensation of employees to be laid off, and fulfill the legal procedures. The specific identification of enterprises in difficulty is carried out in accordance with the unified standards of the province.
Strengthening the enterprise labor support services, and actively build the recruitment docking platform. For a one-time layoff of more than 50 people, the city public **** employment service agencies should be based on the professional skills and employment intentions of the enterprise unemployed, in due course, to organize special recruitment service activities for them to help unemployed people timely employment. 2019 January 1 to December 31, the period of registration of unemployment of the unemployed of enterprises in difficulty, are included in the scope of the employment of persons in difficulty, in accordance with the provisions of the difficult to enjoy the employment of persons in difficulty employment Support policies. Other enterprises that absorb 10 (or more) laid-off unemployed persons from enterprises in difficulty for employment at one time will be given a rewarding job placement subsidy of 500 yuan for each person they absorb.
Qualified entrepreneurial college students
can apply for entrepreneurial loans of up to 1 million yuan
The construction of various types of innovation and entrepreneurship carriers and innovation and entrepreneurship service organizations, incentives to support entrepreneurship of key groups. Increase the maximum amount of business loans. Qualified self-employed entrepreneurs applying for guaranteed loans for entrepreneurship, the maximum amount of the loan can be increased to 150,000 yuan. Small and microenterprises applying for guaranteed loans for entrepreneurship, the number of new recruits eligible for guaranteed loans for entrepreneurship within 12 months prior to the application for loans reaches 25% of the number of employees currently employed in the enterprise (15% for enterprises with more than 100 employees), and with which they have signed a labor contract for more than one year, the maximum amount of the loan can be increased to 3 million yuan.
The balance of the loan liability guaranteed by the guarantee fund can be expanded to 10 times the amount of the guarantee fund. Improve the guarantee fund compensation mechanism, the individual borrower really can not repay the guaranteed loans for entrepreneurship, by the guarantee fund, through the financial institutions to share the ratio of 8:2. The implementation of the entrepreneurial guaranteed loan incentive policy, the city's financial year the city's new loans issued a certain percentage of the total amount of incentives for entrepreneurial guaranteed loan fund operation and management institutions and other units for the work of the financial subsidies.
Increase the amount of loans for college students to start their own businesses, eligible entrepreneurial college students can apply for entrepreneurial loans of up to 1 million yuan, the loan period is generally no more than 2 years. The company will continue to strengthen the monitoring of loan operations, enhance loan issuance and recovery, and increase the penalization of college students for failure to comply with loans for independent entrepreneurship, so as to improve the quality of the loans.
Encourage the districts and counties (development zones) and leading enterprises, colleges and universities, research institutes, small and medium-sized micro-enterprises and other multi-party synergies, the construction of science and technology business incubators for college graduates, returnee rural migrant workers and other key groups of employment, space for multiculturalism, standardization of entrepreneurial incubation bases, and entrepreneurial entities located in the provision of high-quality, efficient, low-fee or zero-fee "one-stop One-stop" entrepreneurial services are provided to the resident entrepreneurial entities with high quality, high efficiency, low or zero fees. According to the city's current business incubation base (homecoming park) management methods to give business incubation subsidies; strengthen business incubation carrier energy efficiency. The implementation of business incubation base dynamic management mechanism, the poor incubation effect of the disqualification; strengthen the business incubation subsidy funds tracking, and further enhance the utility of funds; stationed in the business incubation base of the business entity incubation period of up to 3 years. Improve the selection of entrepreneurial stars recommended work, the annual selection of 10 "Xi'an City, entrepreneurial stars", the incentive funds increased to 30,000 yuan per person.
People who achieve employment within 6 months of training
Subsidies will be given at 1.5 times the city's current corresponding subsidy standard
Support for on-the-job training of employees in enterprises in difficulty. from January 1 to December 31, 2019, on-the-job training of employees in enterprises in difficulty will be provided at the expense of the education of the enterprise's employees in accordance with the regulations, with the shortfall being covered by the human resources and social security administration department after review and evaluation. Social security administrative department audit and evaluation qualified, can be supported by employment subsidies to appropriate subsidies.
The system of approving and recognizing designated institutions for vocational skills training was abolished, and a government bidding model was adopted to support various types of vocational colleges (including technical colleges and universities), ordinary schools of higher education, vocational training institutions and enterprises with the conditions to undertake vocational skills training for the unemployed or entrepreneurship training through competitive bidding. Qualified training or training to obtain a vocational qualification certificate and achieve employment within six months, according to the city's current corresponding subsidy standard 1.5 times the subsidy, other subsidy standards remain unchanged.
From January 1, 2019 to December 31, 2020, the difficult-to-employ and zero-employment family members among them will be given subsidies for transportation and living expenses during the training period at the rate of no more than 50 yuan per person per day, not exceeding 2,500 yuan per period, which will be enjoyed only once per person per year and cannot be received at the same time as unemployment insurance benefits.
Relax the conditions for applying for skill enhancement subsidies.From January 1, 2019 to December 31, 2020, the scope of applicants for unemployment insurance skill enhancement subsidies will be expanded to include in-service employees of enterprises, institutions, and privately-run non-enterprises, and the contribution conditions will be that the in-service employees will have paid unemployment insurance premiums for a cumulative total of 12 months (inclusive) or more, and that the insured employees will have obtained vocational qualification certificates, vocational skill level certificates, or professional and technical vocational qualification certificates. If the insured employee obtains a vocational qualification certificate, vocational skill level certificate or professional and technical vocational qualification certificate, he/she can apply for the technical skill upgrading subsidy.
Encourage and support eligible technical colleges and training institutions to participate in the enterprise new apprenticeship system and short-term training of technicians, participating in the training of on-the-job employees of enterprises to obtain the appropriate vocational qualification certificates or vocational skills level or training certificate issued by the Ministry of Human Resources and Social Welfare, the senior workers and the following to give the training institution per person 1,000 yuan of training subsidies, technicians and senior technicians to give the training institution per person 2,000 yuan of training subsidies. 2000 yuan training subsidy per person for technician and senior technician.
Apprenticeship
3 years to realize more than 10,000 youth employment apprenticeship
Improve and improve the policy to support youth employment apprenticeship, from 2019, the implementation of the "three-year 10,000 youth employment apprenticeship action plan", three years to realize more than 10,000 young people participate in the The scope of employment apprenticeships was extended from unemployed college graduates to unemployed young people between the ages of 16 and 24, and the duration of apprenticeships was relaxed to 3 to 12 months, with employment apprenticeship subsidies given in accordance with the regulations. The implementation of a one-time subsidy for apprenticeship retention, encourage enterprises to absorb apprenticeship employment.
Unemployed people can apply for unemployment registration in the resident county public **** employment service organizations, apply for enjoyment of the city's employment and entrepreneurship services, employment support policies, key groups of employment and entrepreneurship tax incentives. Among them, older, disabled, low-income families and other workers can apply for recognition as difficult-to-employ persons in their usual county of residence to enjoy employment assistance. Public **** employment service organizations at all levels shall not refuse to provide them with the above services on the grounds that their household registration is not in their usual place of residence.
For the unemployed who meet the conditions for receiving unemployment insurance benefits, unemployment insurance benefits are paid in full and on time, price subsidies are paid in accordance with the regulations, and the Unemployment Insurance Fund pays the basic medical insurance premiums and major disease insurance premiums during the period in which the unemployed receive unemployment insurance benefits. Temporary living allowances are given to eligible laid-off unemployed persons who have difficulty in making ends meet. Minimum subsistence guarantee is given to families in which the per capita income of the family members *** living together is lower than the local minimum subsistence guarantee standard, and which meets the requirements of the local minimum subsistence guarantee family property status. To meet the unexpected events, accidental injuries, major diseases or other special reasons lead to basic life in difficulty, other social assistance system temporarily unable to cover or assistance after the basic life of the family or individual temporarily still have serious difficulties to give acute, transitional relief.
In addition, the establishment of the Xi'an employment and entrepreneurship work joint conference system, strengthen coordination and collaboration, the formation of work synergy.
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Student entrepreneurship loan preferential policies and its application requirements
Student entrepreneurship loan conditions and detailed process Student entrepreneurship loan conditions: 1, college graduates; 2, graduated from more than 6 months after graduation is not employed, and in the local labor security department for the unemployment Registration; 3, in the application for such loans, there are three important points: First, the loan applicant must have a fixed residence or place of business. Second, the business license and business permit, stable income and the ability to repay the principal and interest; the third and most important point is that the entrepreneur has invested in the project has a certain amount of its own funds. With the above conditions can apply to the bank, the application needs to provide information mainly include: proof of marital status, personal or family income and property status and other documents to prove the ability to repay the loan; loan purposes in the relevant agreements, contracts; collateral materials, involving collateral or pledge 'ownership certificates and lists, the bank's recognized appraisal of the assessment issued by the Department of the valuation of the collateral (pledges) report. In addition to written materials is to have collateral. There are many types of collateral, including movable and immovable property, time deposit certificates, securities, movable assets with high liquidity, and guarantees by guarantors who meet the requirements. The amount to be issued will be decided according to the specific guarantee method. Loan term and amount requirements The small business loans provided by the state for college graduates are government subsidized loans with a term of 1 to 2 years, after 2 years, they are no longer entitled to financial subsidies. Entrepreneurial loan amount requirements in general: the maximum amount not exceeding the borrower's normal production and business activities require working capital, the purchase (installation or repair) of small equipment (machinery) and franchising chain of 70% of the total amount of funds required; the period of generally 2 years, the longest not more than 3 years, of which the production and business working capital loans for a period of up to 1 year; individual entrepreneurial loans to carry out the period of the People's Bank of China promulgated the interest rate of the loan The interest rate for individual business loans is up and down within the prescribed range. Third, the loan repayment 1, the loan period in one year (including one year) within the individual entrepreneurial loans, the implementation of the maturity of a repayment of principal and interest, interest with the principal; 2, the loan period of more than one year of the individual entrepreneurial loans, loan principal and interest repayment can be used in the equal principal and interest repayment method or equal principal and interest repayment method, but also according to the two sides agreed upon other ways of repayment. Relevant preferential policies will depend on your local government. Fourth, the application process 1. The applicant to the college student entrepreneurship park management service center to apply, and submit the relevant declaration materials, by the college student entrepreneurship park management service center for the first review; 2.Audit. The preliminary examination of the business loan subsidy object and the amount, by the Personnel Bureau in conjunction with the Finance Bureau and other relevant departments according to the industrial orientation, enterprise size, employment, registered capital and profits and taxes and other elements of the application of business loan subsidy object of the information to be examined and approved the amount of subsidy; 3.publicity. Reviewed and approved by the business loan subsidy object and the amount of subsidy by the Personnel Bureau and the applicant's unit or community for publicity, the publicity period of 5 working days; 4. Approval. After the public notice of no objection, the Personnel Bureau issued a notice of approval; 5. According to the approval notice, the Finance Bureau in the subsidized interest object to provide interest payment vouchers from the support of independent entrepreneurship of college students in the special funds disbursement of funds; 6.
About the college students to start their own business loans?
At present, the state and local policies have adopted a series of preferential policies for college student entrepreneurship to support college graduates to start their own businesses. The following is what I have organized for you about, welcome to read!
1
First, the specific conditions of college student entrepreneurial loans 1 college student entrepreneurial loan applicants aged eighteen years old, with a legally valid identification and loan bank location of the legal proof of residence, there is a fixed residence or place of business;
2 college student entrepreneurial loan applicants with business licenses issued by the administrative organs of industry and commerce and the relevant industry business license. Engaged in legitimate production and business activities, have a stable income and the ability to repay the principal and interest;
3 college student entrepreneurial loan applicants investment project has a certain amount of its own funds;
4 college student entrepreneurial loan use in line with the relevant state laws and bank credit policy, is not permitted to be used for equity investment;
5 in the bank to open a settlement account, the income of the business Through the bank settlement.
Second, the loan mode:
University graduates start their own business in the form of guarantee, pledge loans.
Third, the loan period:
The state provides small entrepreneurial loans for college graduates are subsidized loans, the period of 1 to 2 years, after 2 years no longer enjoy financial subsidies.
Fourth, college students need to pay attention to three points in the application conditions for entrepreneurial loans:
First, the loan applicant must have a fixed residence or place of business.
Second, the business license and business permit, stable income and the ability to repay the debt;
Third, but also the most important point, is that the entrepreneurs have invested in the project has a certain amount of their own funds. With the above conditions can apply to the bank, the application needs to provide information mainly include: proof of marital status, personal or family income and property status and other proof of repayment ability file; loan purposes in the relevant agreements, contracts; security materials, involving collateral or pledge ownership certificates and lists, banks recognized by the appraisal department of the valuation report issued by the collateral.
In addition to written materials is to have collateral. The collateral can be in the form of movable and immovable property, time deposit certificates, securities, movable assets with strong liquidity, and guarantors who meet the requirements of the guarantee. The amount of issuance will be decided according to the specific guarantee method.
The maximum amount of college student loans is generally no more than 70% of the borrower's working capital for normal production and business activities, the purchase, installation or repair of small devices and equipment, as well as the total amount of funds required for franchising chain; the term is generally two years, the maximum of three years, of which the maximum period of production and business working capital loans for one year; the term of the individual entrepreneurial loans promulgated by the People's Bank of China The loan interest rate, can be up and down in the range of the prescribed range.
The repayment method of college student entrepreneurship loan: loan period in one year including one year of personal entrepreneurship loan, the implementation of the maturity of a single repayment of the principal and interest, interest with the principal; loan period in more than one year of personal entrepreneurship loan, loan principal and interest repayment can be used in the repayment of equal principal and interest method or equal repayment of the principal
2
Preferential policies on business operations
1 For enterprises founded by university graduates on their own, within one year from the date of approval of their operation by the industry and commerce department, they can inquire free of charge about the supply and demand of talents and labor force information and release recruitment advertisements free of charge on the websites of talent intermediary service agencies and public **** employment agencies under the administrative departments of personnel, labor and security; and take part in talent bazaars or talent, labor and security fairs organized by talent intermediary service agencies and public **** employment agencies under the administrative departments of personnel, labor and security. Organized by the talent bazaar or talent, labor exchange activities to give appropriate fee reductions and exemptions; personnel departments under the talent agency free of charge for the establishment of the graduates of the enterprise, preferential for the establishment of the enterprise's employees to provide a training, assessment services.
2, personnel file management free of charge for 2 years. The independent entrepreneurial college graduates, personnel administrative departments under the personnel intermediary service organizations free of charge for their personnel files, including the handling of social security, title, file salary and other relevant procedures for two years.
3. There are separate channels for social insurance participation. College graduates engaged in independent entrepreneurship, can be at all levels of social insurance agencies set up by the individual contribution window for social insurance procedures.
Preferential policies for entrepreneurial loans for college students in Henan Province
Li Zhen, director of the Employment Department of the Henan Provincial Department of Labor and Social Security, said that college students who did not find a job after graduation, as long as the labor and social security to the street community or public **** employment agencies to register and receive unemployment certificates, you can apply for a small guaranteed loan to start their own business, the amount of the loan is generally not more than 30,000 yuan, the loan period of up to two years. The loan amount is generally not more than 30,000 yuan, and the loan period is up to 2 years.
How to apply
Independent entrepreneurial college and university graduates can apply in writing to the township streets where the household or business, community labor security work agencies, and submit a valid identification card and household book, proof of eligibility to prove that has been entrepreneurial proof of graduation certificate and employment and unemployment registration certificate, proof of legal business, "business license," the original, a copy of the business license, or related certificates and other information. Afterwards, after reviewing and recommending, guarantee and counter-guarantee program, you can receive a loan state-owned commercial banks, joint-stock banks, city commercial banks that is to say, all the banks in the location can be.
In addition to the national restrictions on the development of the industry, college graduates engaged in self-employment, and the date of registration in the business sector within two years of their graduation, the date of their registration within three years of the date of registration can be exempted from payment of registration, licensing, management **** 19 administrative fees.
From the Henan Provincial Administration for Industry and Commerce was informed that the Henan Provincial Bureau of Industry and Commerce specifically issued "on the support of the province's college graduates independent entrepreneurship and flexible employment of the views of", to take a number of initiatives to help college graduates entrepreneurship, employment. At present, the opinions have been issued to Henan municipalities in the implementation of the administration for industry and commerce.
3 "zero" to reduce the cost of entrepreneurship
Currency contribution "zero payment". To relax the restrictions on capital contribution, graduates within two years of graduation to invest in the establishment of a limited liability company with a registered capital of less than 500,000 yuan, the proportion of non-monetary asset contributions to the registered capital can be up to 100% of the registered capital of the company
. The establishment of partnerships, sole proprietorships, farmers' professional cooperatives and individual businesses, there is no minimum amount of capital contribution restrictions, the mode of capital contribution by the graduates of the independent decision.
Operating site "zero cost". Within two years of graduation, college graduates engaged in animation design, e-commerce, translation services, software design and development, network technology development and other business projects that do not affect the surrounding environment and public **** safety, as well as motor vehicle transportation, including cargo transportation and passenger transportation, individual performances, individual performance brokerage, etc., the use of mobile mode of individual business, the place of business can be registered as a contact address of the operator.
Service entrepreneurship "zero charge". Graduates within two years of graduation, to the village of graduates of colleges and universities to start their own business to engage in self-employment or start various types of enterprises, except for state-restricted industries, since the date of registration, within three years, free of registration and licensing administrative fees. Support period, all levels of industrial and commercial administrative organs for college graduates free of charge for entrepreneurship to provide basic business registration information query service, provincial municipal administration for industry and commerce website for college graduates to set up free of charge for the release of the enterprise, change the registration notice.
"Two relaxation" to encourage innovative business
Relaxation of the form of registration, the implementation of "trial operation". College graduates engaged in self-employment, in addition to business matters related to pre-approval, the implementation of the trial business system, issued free of charge for a period of 12 months, marked with the word "temporary" business license. During the trial period, all fees are waived.
Liberalize the field of entrepreneurship, and encourage college graduates to operate innovatively. Where the law, administrative regulations, "not prohibited" industries and projects, are allowed to college graduates business; departments and local business registration set up by their own front-end licensing projects, all levels of industrial and commercial administrative organs to stop the implementation of; entrepreneurship network: build a green channel for the first time in violation of not
The business sector requires the establishment of a special entrepreneurship of graduates of colleges and universities. Service window, the establishment of a "green channel", the implementation of special people as "entrepreneurial liaison", to provide prior guidance, tracking and counseling, fast closing and other "one-stop" service. If the material is complete and meets the legal form, it will be registered and issued on the spot.
The employment of college graduates, entrepreneurship implementation of the "first impunity", more regulation, less punishment, more guidance, less blame. College graduates entrepreneurship in general violations of the law, where the circumstances are minor, no harm to society and others, can be given administrative prompting, administrative admonition, and to help enterprises to correct in a timely manner, without administrative penalties.
In addition, in accordance with the principle of territorial management, each grass-roots industrial and commercial branch set up separate entrepreneurial accounts for college graduates, regular visits, strengthen the "tracking service", and timely help college graduates to solve the difficulties and problems encountered in entrepreneurship and production and management. Actively encourage and guide college graduates to start their own businesses. Where conditions are favorable, the local authorities will determine the existing channels to provide business start-ups and guarantees for college graduates. Where college graduates engaged in self-employment, in addition to state-restricted industries, from the date of approval of the business sector to operate within one year from the date of exemption from payment of the registration category and management of the various administrative fees.
3
Independent entrepreneurship loans for college students
First, the application conditions:
1, college graduates;
2, more than 6 months after graduation is not employed, and in the local labor and social security departments for the unemployment registration.
Second, the loan period:
The state provides small business loans for college graduates is subsidized loans, its period of 1 to 2 years, after 2 years no longer enjoy financial subsidies.
Third, the loan mode:
University graduates to start their own business in the way of guarantee, pledge loans.
Fourth, the relevant instructions
Specific operational methods can be consulted with the local labor and social security bureau. In addition, there are other preferential policies for college students to start their own business, such as engaging in individual
body business, 1 year exemption from business registration and management of administrative fees; self-employment, self-employment can also be hosted in the city of college graduates employment guidance service center account files. The specific policies of the university graduates' self-employment should be consulted with the relevant departments.
V. Application materials
When applying for such a loan, there are three important points:
First, the loan applicant must have a fixed residence or place of business. Second, the business license and business permit, stable income and the ability to repay the principal and interest; the third and most important point is that the entrepreneur invested in the project has a certain amount of its own funds.
With the above conditions to apply to the bank, the application needs to provide information mainly include: proof of marital status, personal or family income and property status and other proof of repayment ability file; loan purposes in the relevant agreements, contracts; security materials, involving collateral or pledge ownership certificates and lists of collateral, the bank recognized by the appraisal department of the valuation of collateral issued by the valuation report.
In addition to written materials is to have collateral. The collateral can be in the form of movable and immovable property, time deposit certificates, securities, movable assets with strong liquidity, and guarantees from guarantors who meet the requirements. The amount of issuance will be decided according to the specific guarantee method.
Amount Requirements
The amount of business loan requirements in general: up to 70% of the borrower's working capital required for normal production and business activities, the purchase, installation or repair of small installations and equipment, as well as the total amount of funds required for the franchise chain;
The period of time is generally two years, the maximum of three years, of which the production and business working capital loan period of the maximum of one year;
The amount of money required by the borrower is usually less than the amount of money needed for normal production and business activities. p>
Individual entrepreneurial loans implement the People's Bank of China promulgated the term of the loan interest rate, can be up and down within the range of the prescribed range.
Loan repayment
1, the loan period of one year including less than one year of personal business loans, the implementation of the maturity of a single repayment of principal and interest, interest
with the principal clear;
2, the loan period of more than one year of personal business loans, loan principal and interest repayment can be used in the same amount of principal and interest repayment or equal repayment of principal and interest, or as agreed upon by the two sides of other ways to repay. The loan can also be repaid in other ways agreed upon by both parties.
The relevant preferential policies depend on your local.
Tax exemption policy
College graduates including college, undergraduate and graduate students engaged in self-employment are exempted from paying the registration fee for self-employment, management fee for self-employment, and the cost of the model economic contract for a period of one year from the date of approval of the business. In addition, if you set up an informal enterprise, you can be exempted from tax for 3 years by simply registering at the street in your district or county. People Enterprise Loan is committed to providing capital matching and summarizing services for enterprises and individuals with financing needs and investors with spare cash. Integration of the inter-network, guarantee, Shanghai real estate mortgage business rich industry experience, for the financial needs of individual users to provide safe, convenient, low-threshold, transparent, rich financial projects, including Shanghai real estate mortgage investment projects, large-scale enterprise class guaranteed investment projects, automotive consumer investment projects, supply chain finance projects
Please ask the college students entrepreneurial loans have
What are the preferential policies for entrepreneurial loans for college students? The college graduates who start their own business can apply for a maximum of 100,000 yuan of micro-guaranteed loans, more than one person to organize the business, according to each person 100,000 yuan, a total of up to 2 million yuan of the amount of the implementation of "bundled" loans, in addition to the national restrictions on the industry can be given to the financial subsidies. College graduates leave school before starting their own businesses to apply for small secured loans, by the school employment (entrepreneurship) guidance department guidance and recommendation and assistance in applying for, sent to the bank in accordance with the procedures for handling. Financial institutions should actively explore financial service products suitable for entrepreneurship of college graduates and simplify the business process. Other preferential policies for entrepreneurship of college graduates (a) tax relief policy college graduates within three years from the academic year of graduation (36 months from July 1 of the year before graduation, the same below) to start their own businesses, within three years from the date of the first registration, free of registration, licensing and management and other administrative fees. Public **** employment personnel service organizations at all levels shall provide free personnel relations and file storage services for 3 years. College graduates engaged in self-employment within the graduation year (except for the construction industry, entertainment industry, and the sale of real estate, transfer of land use rights, advertising, housing intermediaries, saunas,, Internet cafes, oxygen bars), within three years, according to the limit of 8,000 yuan per household per year, in order to deduct the actual business tax, urban maintenance and construction tax, education surcharges, and personal income tax payable for that year. (ii) Subsidies and funding policies for college graduates who, within three years from the academic year of graduation, rent a business site or store (except for those in various types of business incubation bases) to engage in self-employment or set up a small or micro-enterprise, which has been in normal operation for more than six months from the date of industrial and commercial registration and has absorbed more than three persons for employment, will be given a rent subsidy of up to 3,000 yuan per year for a maximum period of two years. Those who start their own business within three years from the year of graduation and meet the relevant conditions will be given a one-time business start-up subsidy of about 5,000 yuan. For college graduates who start their own businesses and recruit fresh college graduates, if they sign a labor contract of more than one year's duration and pay social insurance premiums in accordance with the regulations, they can be given social insurance subsidies and job subsidies for a maximum of three years according to the number of people actually recruited, and the required funds are expended from the special funds for employment. Support for employment through network entrepreneurship, by the human resources and social security departments in conjunction with