What are the preferential policies for college student entrepreneurship loans
What are the preferential policies for college student entrepreneurship loans? Self-employment of college graduates, you can apply for a maximum of 100,000 yuan of micro-guaranteed loans, more than one organization to start a business, can be 100,000 yuan per person, a total of up to 2 million yuan of the amount of the implementation of the "bundled" loan, 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. To support employment through network entrepreneurship, the human resources and social security departments in conjunction with the relevant departments recognized by the network of entrepreneurial college graduates, can enjoy small guaranteed loans, one-time start-up grants and other policies.
Where to apply for policies and loans for college students in Guangzhou?
College students to start their own business loans
I, the application conditions:
1, college graduates;
2, more than 6 months after graduation is not employed, and in the local labor security department for the unemployment registration.
Second, the loan period:
The small business loans provided by the state for college graduates are government-subsidized loans, which last for 1 to 2 years, and are no longer eligible for financial subsidies after 2 years.
Third, the loan mode:
University graduates to start their own business in the form of guarantee, credit (pledge) loans.
Four, 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 businesses, such as self-employment, 1 year free of business registration and management of administrative fees; self-employment, self-employment can also be hosted in the municipal employment guidance service center for college graduates. For the specific policies of the university graduates to start their own business should be consulted with the relevant departments.
V. Application materials
When applying for this type of loan, there are three points that are more important:
First, the loan applicant must have a fixed residence or place of business. Second, 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.
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What are the policies on entrepreneurial loans for college students in 2022
(1) College graduates starting their own businesses within two years of graduation, applying for a business license to the business department where the entrepreneurial entity is located, with a registered capital (this) of less than 500,000 yuan, are allowed to be put in place in installments. The first installment of funds in place is not less than 10% of the registered capital (capital contribution of not less than 30,000 yuan), the paid-up registered capital within one year to add to more than 50%, the remaining balance can be put in place in installments within three years. (2) New enterprises or business units in the consulting, information and technical services industries run by university graduates are exempted from enterprise income tax for two years upon approval by the tax authorities. New enterprises or business units engaged in transportation, post and telecommunications, approved by the tax authorities, shall be exempted from enterprise income tax for the first year and shall receive half of the enterprise income tax for the second year; and new enterprises or business units engaged in public utilities, commerce, material industry, foreign trade, tourism, logistics, warehousing, residential services, catering, education and culture, and sanitation shall be exempted from enterprise income tax for one year, approved by the tax authorities. Income tax is exempted for one year. The maximum term of the loan is two years, and if it is determined that it needs to be extended upon expiration, an extension may be applied for once. The interest rate of the loan is determined in accordance with the lending rate announced by the People's Bank of China, and the maximum guarantee is five times of the guarantee fund, with the same term as the loan term. (3) States-owned commercial banks, joint-stock banks, city commercial banks and urban credit unions in a position to provide graduates who start their own business, and simplify the procedures, provide account opening and settlement facilities, the loan amount of about 50,000 yuan.
Guangdong Province on the graduation of college students to start a business what preferential policies?
University graduates do individual one year free of five charges.
(2) College students start their own business free archives for 2 years.
(3) You can start a business only with your ID card and university student card.
(4) Free risk assessment, free policy training, free loan guarantee and partial tax exemption.
(5) Low-interest loans.
(6) College students and graduate students can take a break from their studies and retain their enrollment to start high-tech enterprises.
(7) The Rainbow Project will help support college students' entrepreneurial leaders in various ways.
(8) The application for the "Independent Entrepreneurship Certificate" will provide three major preferential policies: namely, priority acceptance, priority licensing and simplified registration procedures; applications for small-scale private enterprises, the implementation of the trial period system, the trial period, free of registration fees, change of fees, annual inspection fees; reduction or exemption of corporate income tax. It also enjoys a loan guarantee, which is generally around 20,000 yuan. This license is valid for three years.
Student entrepreneurship preferential policies
Student entrepreneurship complete handbook policy attention to student entrepreneurship preferential policies in recent years, in order to support the entrepreneurship of college students, the state government at all levels has introduced many preferential policies, involving financing, opening, taxation, entrepreneurial training, entrepreneurial guidance and many other aspects. For college students who intend to start their own business, it is important for them to understand these policies in order to take the first step to start their own business. According to the relevant provisions of the state and the Shanghai Municipal Government, fresh graduates of the Shanghai region can enjoy free risk assessment, free policy training, free loan guarantee and part of the tax exemption four preferential policies, including:
■ College graduates (including university colleges, undergraduates and postgraduates) engaged in self-employment, from the date of approval of the operation of the day, 1 year exemption from the registration fee of the individual household registration fee, Individual household management fee, economic contract model text labor costs. In addition, if you set up an informal enterprise, you only need to register it in your district or county, and you will be exempted from taxes for three years.
■Students who start their own businesses can apply for a business loan guarantee of up to 70,000 yuan from a bank and enjoy subsidized interest on the loan.
■Shanghai has set up an entrepreneurship education and training center specifically for fresh college graduates, providing free project risk assessment and guidance for college students to help them better grasp market opportunities
Student Entrepreneurship Subsidy Policies
(A) One-time Entrepreneurship Subsidy
Students from ordinary higher education schools Students, vocational schools, and technical colleges and universities (in school and within 5 years of graduation) who have successfully started their own business and apply within 1 year from the date of obtaining a business license and have been in normal operation for more than 6 months can apply for a business start-up subsidy.
A one-time business start-up support subsidy of 10,000 yuan will be given to each household.
(2) Social Insurance Subsidies for Entrepreneurial Enterprises
College graduates who start their own business within 5 years of graduation and receive a business license or registration with other statutory bodies in the city and operate normally.
In accordance with the city's current social insurance contribution base lower limit and contribution ratio, will be given a maximum of three years of old-age, unemployment, industrial injury, medical and maternity social insurance subsidies (individual contributions to be borne by the individual).
(3) Rental Subsidy
Those who rent business premises (including incubation bases invested by social capital) to set up a start-up enterprise and act as the legal representative or principal person in charge may apply for rental subsidy. The rental subsidy is directly subsidized to the enterprises founded, and is 5,000 yuan per household per year for a cumulative period of no more than three years.
(D) Subsidies for Entrepreneurship-led Employment
Start-up enterprises that absorb employment and pay social insurance premiums in accordance with the regulations will be given subsidies for entrepreneurship-led employment according to the number of people they have absorbed into employment (signed a labor contract of more than one year's duration), except for the legal representative or the person in charge of the enterprise. Recruitment of three people (including three people) under the subsidy of 2,000 yuan per person; recruitment of more than three people will be given 3,000 yuan subsidy for each additional person, up to a maximum total of 30,000 yuan.
(E) other tax incentives
1, all college graduates engaged in self-employment, the local business sector from the date of approval of their operations within one year from the tax registration certificate fee (i.e.: tax-free).
2. Newly-established urban labor and employment service enterprises (except for the state's industries) that place unemployed persons (including college graduates who have applied for unemployment registration, the same hereinafter) for more than 60% of the total number of employees of the enterprise in the current year are exempted from paying income tax for 3 years upon approval by the relevant competent tax authorities.
After the expiration of the tax exemption period of the labor and employment service enterprises, if the newly placed unemployed persons account for more than 30% of the total number of employees of the enterprise in the same year, with the approval of the relevant competent tax authorities, the income tax can be reduced by half for two years.
In addition to this, there are also different tax incentives for different industries:
(1) University graduates who start a new enterprise or business unit in the consulting, information, or technical services industry can be exempted from enterprise income tax for two years after submitting an application for approval by the tax authorities.
(2) New enterprises or business units engaged in transportation, postal and telecommunication services run by university graduates are exempted from enterprise income tax for the first year and given a 50% reduction in enterprise income tax for the second year after submitting their applications and being approved by the tax authorities.
(3) Enterprises or business units newly established by university graduates engaging in public utilities, commerce, materials, foreign trade, tourism, logistics, warehousing, residential services, catering, education and culture, and sanitation shall be exempted from enterprise income tax for one year after submitting an application and obtaining the approval of the tax authorities.
In addition, some cities have lifted settlement restrictions on entrepreneurial college graduates, among others!
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 without employment, and in the local labor security department for the unemployment registration; 3, in the application for such loans: 1, college graduates; 2, graduated from more than 6 months without employment, and in the local labor security departments for unemployment registration ; 3, in the application for such loans, there are three more 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: up to 70% of the total amount of funds required for the borrower's normal production and business activities, working capital, the purchase (installation or repair) of small equipment (machinery) and franchising chain; the period of 2 years, the longest not more than 3 years, of which the production and business working capital loans for a maximum period of 1 year; individual entrepreneurial loans to implement the People's Bank of China promulgated the term of the loan interest rate 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.
The introduction of Guangdong college student entrepreneurship loan policy and Guangdong college student entrepreneurship loan amount ends here, I wonder if you find the information you need from it?