1. Will business loans still be issued in 2022?

1. 2022 Entrepreneurship Loan Policy for College Students

(1) College graduates who start their own business within two years after graduation must apply for a business license and registered capital (this amount) at the industrial and commercial department where the entrepreneurial entity is located. ) is less than 500,000 yuan, it is allowed to be paid in installments. The first installment of the capital is not less than 10% of the registered capital (the capital contribution is not less than 30,000 yuan). The paid-in registered capital is increased to more than 50% within one year, and the balance can be It will be paid in installments within 3 years.

2022 Entrepreneurship Loan Policy for College Students

(2) Enterprises or business units newly established by college graduates in the consulting, information, and technical service industries will be exempted from taxation upon approval by the tax department Two years of income tax; newly established enterprises or business units engaged in transportation, postal and telecommunications, with the approval of the tax department, will be exempted from corporate income tax in the first year, and levied at half of the corporate income tax in the second year; newly established enterprises or business units engaged in public utilities, commerce, and material industries , foreign trade, tourism, logistics, warehousing, resident services, catering, education and culture, health services enterprises or business units, with the approval of the tax department, are exempt from corporate income tax for one year.

2. What materials are required to apply for a college student entrepreneurial loan

(1) Identity documents of the applicant and spouse (including resident ID card, household registration booklet or other original valid residence permit) ) and proof of marital status;

(2) Documents proving the repayment ability of applicants for college student entrepreneurship loans such as personal or family income and property status;

(3) Applicants for college student entrepreneurship loans Business licenses and business licenses for related industries, relevant agreements, contracts or other materials for loan purposes;

(4) Guarantee materials for college student entrepreneurship loan applicants: certificates of ownership of collateral or pledges and List, proof that the person with the right to dispose of the property agrees to the mortgage (pledge), and the valuation report of the mortgage (pledge) issued by an appraisal department recognized by the bank.

3. What are the procedures for college student loans

1. Acceptance

2. Review

3. Public announcement

The approved commercial loan interest discount objects and interest discount amounts will be publicized by the Personnel Bureau and the unit or community where the college student personal entrepreneurial loan applicant works. The publicity period is 5 working days;

4. Approval

If there is no objection after publicity, the Personnel Bureau will issue an approval notice;

5. Payment

According to the approval notice, the Finance Bureau will provide payment to the interest discount recipients. After the interest certificate is issued, the funding will be allocated from the special funds to support college students' independent entrepreneurship.

2. Loan platforms that do not look at big data in 2022

1. Pocket Hua Pocket Hua is one of the must-have online loans in 2022 that does not look at big data, and it has only been online recently. New loan opportunities, low threshold, easy to apply for loans, do not check credit or look at big data when applying, ignore both black and white cases of disbursement, the maximum loan amount that can be provided to users is 50,000 yuan, and the use period is 1-12 For months, loans are not open to remote areas such as Xinjiang, Qinghai, and Qinghai. Applicants are required to be between 20 and 50 years old, have a real-name mobile phone number for more than half a year, and be able to submit personal information such as ID card, mobile phone operator, and contact person. Once approved, payment will be made on the same day as soon as possible. 2. Haoxiang Guanjia Haoxiang Guanjia is an online loan that ignores big credit data. It is also a relatively easy online loan in 2022. It does not look at credit information and big data when applying, and the comprehensive score requirements for users are also relatively high. Low, also known as the lack of overall score, big data spends money. If you want to apply for Haoxiang Butler, you need to be over 20 years old and be able to submit your ID card, mobile phone operator, contacts, facial recognition and other personal information. material. The general loan amount is basically around 5,000 yuan, and the maximum does not exceed 50,000 yuan. The usage period is 1-12 months. The loan can be released on the same day at the earliest after passing the review.

3. Pudong Borrow Pudong Borrow is an easy online loan that does not require any credit checks or big data. The application threshold is low and easy to get approved. Although it is an established online loan, the loan disbursement rate has always been relatively good. In 2022, there are no credit big data checks to get loans in seconds. Recently, there are many records of black and white households successfully disbursing money. As long as they are users with a sesame score of 560 or above and are between 22-45 years old, they can submit their ID card and mobile phone operator. , contacts, facial recognition and other personal information can apply for Pudong loan. The maximum loan amount that can be provided to users is 200,000 yuan, which can be repaid in 12, 24, or 26 installments. The entire process is subject to system approval, and payment must be issued if approved. ?4. HuaYa borrowing money HuaYa borrowing money is also a loan opportunity that does not check credit information and ignores risk control in 2022. It has been transformed into a loan assistance platform. There are multiple online loans that have to be passed by big data, which can provide users with The maximum loan amount provided is 100,000 yuan, with a term of up to 12 months. Applicants need to be between 20 and 60 years old and be able to submit personal information such as ID card, mobile phone operator, contact person, and facial recognition. Once approved, the loan will be released as soon as the same day. 5. Haier Consumer Finance Haier Consumer Finance is also an opening that can be used to make loans without checking credit information in 2022. This opening has been online for a long time and is operated by a regular licensed financial institution. Although the loan is subject to credit checking. , but the requirements for credit reporting and big data are relatively low, and it is also known as the hole where credit reporting uses big data to make money. Currently, a system review is used, and the loan can be credited to the account as soon as the same day after passing it successfully. The maximum deposit amount will not exceed 200,000 yuan, and the use period is up to 12 months. Applicants are required to be between 18 and 60 years old and be able to submit personal information such as ID card, facial recognition, contacts, bank card, etc.

3. Are there any loans that don’t look at big data? Can you help me introduce one that is urgent and requires 300...

Private loans, mortgage loans,

Look what others say.

4. Don’t look at big data loan platforms

Do not look at Dashu Ping An Xinyidai, look at credit cards, look at credit reports 2 Credit cards, look at credit reports. 3. For Minsheng Loan, check your credit report and credit card. 4. Small flower wallet. 5. Pay it back.

First, online lending refers to direct lending between individuals through the Internet. It is characterized by low threshold, fast lending, simple operation, and a big data risk control model is used to conduct pre-user review for financial institutions. and screening, recommending high-quality services to banks, reducing the workload of banks in reviewing small and medium-sized enterprises. Today I will share with you its application process.

Second, the process of applying for an online loan. Applying for an online loan does not actually mean applying for many online loans at once. The disbursement rate for such applications is not very high on average. The correct method should be to apply slowly one by one, and wait for the results of the previous one to apply to the next one. Sometimes it is not always possible to find out the reason why the loan is not met, and then adjust the strategy to apply for the next loan.

If you are rejected, check your own place first. First apply for online loan A. If you are rejected, find out at which step you were rejected, and then carefully check the information involved in that step to identify possible problems and see if there is room for optimization; online loan B In this way, the choice of your successful port is very important. Choose the right port. Generally speaking, it is crucial for everyone to operate the large platform and the port with good stability first. The old port and the new port choose the old port first, because the old port has gone through time. With the precipitation, the number of open areas has also increased, new openings are generally unstable, and the deposit rate is also low.

3. Things to note when applying for online loans

Mobile phone number and address book No matter you provide a mobile phone number to anyone, the purpose is to be able to contact the applicant at a specific time.

It goes without saying that the mobile phone number must be a real-name one, it must be authenticated by the person’s real-name. If you haven’t registered your real name yet, it’s best to do it. The longer your mobile phone number is, the more advantageous it is for applying for a loan.

There is no abnormal information in the address book. We often receive various advertising information. Sometimes these advertisements are really helpful, so we keep them and make notes, such as "Loan", "Lender so-and-so" "Some", "Loan intermediary", etc. However, this information will reduce your passing rate as it reduces points.

Therefore, when filling in the mobile phone number, you can process the contacts that contain these keywords in the address book to avoid unnecessary misunderstandings

Android phone users should check to avoid being read by a third party. Apple The mobile phone protects privacy very thoroughly, and no third party can read the text messages. Therefore, Android phone users are exposed to more information from online loans, so pay special attention to the following information. First, text messages for other loans, repayment reminders, collections, etc., are all minus points. Second, various text messages from bank and credit cards. There must not be much difference between the number of credit cards presented to the online lender in the email and the number of credit cards involved in the text message.