What is a business start-up loan

Business start-up loan refers to a special loan issued by an individual who has a certain production and business operation ability or has been engaged in production and business operation activities, after applying for capital requirements for starting or re-starting, and being recognized by the bank as an effective guarantee. Eligible borrowers can get a single loan of up to 5, yuan according to their 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 loan. The term of venture loan is generally 1 year, and the longest 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 2% according to the same interest rate stipulated by the People's Bank of China, and business start-up loans for laid-off workers launched in many areas can also enjoy 6% government discount.

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 issued many preferential policies, involving financing, business opening, taxation, entrepreneurship training, entrepreneurship guidance and many other aspects.

preferential policies for college students' entrepreneurial loans

(1) College graduates start their own businesses within two years after graduation, and apply for business licenses at the industrial and commercial department where the entrepreneurial entity is located. If the registered capital (capital) is less than 5, yuan, it is allowed to be put in place by stages. The first-phase capital is not less than 1% of the registered capital (capital contribution is not less than 3, yuan), and the paid-in registered capital is increased to more than 5% within one year, and the balance can be put in stages within three years.

(2) Enterprises or business units newly established by university graduates in consulting, information and technical services are exempted from enterprise income tax for two years with the approval of the tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year and levied enterprise income tax by half in the second year with the approval of the tax authorities; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residential service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

(3) Commercial banks, joint-stock banks, urban commercial banks and qualified urban credit cooperatives in various countries should provide self-employed graduates with simplified procedures and convenient account opening and settlement, with a loan amount of about 5, yuan. The longest loan period is two years. If it is determined that it needs to be extended at maturity, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is five times that of the guarantee fund, and the term is the same as the loan term.

The above preferential policies are formulated by the state for all college students who start their own businesses. In order to support local college students to start their own businesses, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality. For example, according to the relevant regulations of the state and the Shanghai municipal government, fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax reduction and exemption.

Requirements for college students' entrepreneurial loans

(1) Applicants for college students' entrepreneurial loans have reached the age of 18, have legal and valid identity certificates and legal residence certificates at the place where the loan bank is located, and have 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 legitimate production and business activities, and have stable income and the ability to repay the principal and interest;

(3) The investment projects of college students' entrepreneurial loan applicants have some self-owned funds;

(4) The use of college students' entrepreneurship 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 the bank, and the operating income will be settled by the bank.

Application materials for college students' entrepreneurial loans

(1) Identity documents of college students' entrepreneurial loan applicants and their spouses (including original resident identity cards, household registration books or other valid residence permits) and proof of marital status;

(2) documents proving the repayment ability of college students' entrepreneurial loan applicants, such as personal or family income and property status;

(3) the business license of the applicant for college students' entrepreneurial loan and the business license of related industries, and the relevant agreements, contracts or other materials in the purpose of the loan;

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank. Whether there are interest-free loan applications and preferential policies for entrepreneurial loans? Interest-free loans are not given casually by the government. It depends on local policies and what your business is. If it can bring taxes and jobs to the local government, it is also a green project.

When applying for a loan, a college student entrepreneur must be approved by the street, reviewed and recommended by the Labor and Social Security Bureau, and finally approved by the bank. If any pass fails, the loan will be ruined. But the biggest premise is that the applicant must be a college graduate. The specific operation should be like this: have an idea, write a good plan and make it as perfect as possible. The sub-district office will give you proof, consult the local labor and employment guidance center, and commercial banks. You may have to run a lot of places at the same time. The specific amount depends on your ability. Generally, 2W-5W college graduates start their own businesses within two years after graduation, and apply for a business license at the industrial and commercial department where the entrepreneurial entity is located. If the registered capital (capital) is less than 5, yuan, it is allowed to be put in place by stages. The first-phase capital is not less than 1% of the registered capital (capital contribution is not less than 3, yuan), and the paid-in registered capital is increased to more than 5% within one year, and the balance can be put in place by stages within three years.

Enterprises or business units newly established by university graduates in consulting, information and technical services are exempted from enterprise income tax for two years with the approval of the tax authorities; Newly established enterprises or business units engaged in transportation, post and telecommunications shall be exempted from enterprise income tax in the first year and levied enterprise income tax by half in the second year with the approval of the tax authorities; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residential service industry, catering industry, educational and cultural undertakings and health undertakings shall be exempted from enterprise income tax for one year with the approval of the tax authorities. Commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries should provide self-employed graduates with simplified procedures and convenient account opening and settlement, with a loan amount of about 5, yuan. The longest loan period is two years. If it is determined that it needs to be extended at maturity, you can apply for an extension once. The loan interest is determined according to the loan interest rate published by the People's Bank of China. The maximum amount of guarantee is five times that of the guarantee fund, and the term is the same as the loan term.

The above preferential policies are formulated by the state for all college students who start their own businesses. In order to support local college students to start their own businesses, local governments have also issued relevant policies and regulations, which are more detailed and closer to reality. For example, according to the relevant regulations of the state and the Shanghai municipal government, fresh college graduates in Shanghai can enjoy four preferential policies: free risk assessment, free policy training, free loan guarantee and partial tax reduction and exemption.

What are the conditions for starting a business loan?

In recent years, the state has strongly supported young people to develop their business, and given certain policy support in starting a business, such as exempting administrative fees, providing small secured loans, enjoying vocational training subsidies, enjoying more public services, tax relief, social security subsidies and other preferential policies.

in terms of loans, individual entrepreneurs can enjoy a two-year financial discount-supported personal entrepreneurship guarantee loan with a maximum loan amount of 1, yuan.

So, what conditions do individuals need to meet in order to enjoy these preferential policies?

1. The borrower must be at least 18 years old and not more than 5 years old, and have full capacity for civil conduct.

2. The borrower needs to have a fixed residence or business premises.

3. The borrower must have legal and valid identification and valid proof of legal residence in the place where the loan bank is located.

4. The borrower can provide the business license issued by the administrative department for industry and commerce, and the business license of related industries to prove that it is engaged in normal business activities.

5. The borrower can take effective assets recognized by the lending bank as collateral, such as real estate mortgage, deposit certificate pledge and third-party guarantee, and the third-party guarantee can be guaranteed by units or individuals with repayment ability.

6. The borrower needs to open a settlement account with the lending bank.

7. The borrower's loan shall be used in accordance with relevant national laws and regulations, and shall not be used for other speculative investment projects such as equity, or in some illegal ways.

8. The borrower needs to hold a certain amount of its own funds, and the amount of venture loan shall not exceed the working capital required by the borrower for normal operation.

9. Other conditions required by the lending bank.

Xiao Bian reminds: How to choose a bank is also very important for friends who want to apply for a personal business guarantee loan. To choose the one that suits them, it is best to do your homework before applying, otherwise it is likely to be rejected.

what is a venture loan?

as the name implies, venture loan is a loan model that gives venture capital loans with the permission and guarantee of the bank for individuals or enterprises who are interested in starting a business and have the management ability at the same time or are starting a business and have the production management ability.

to apply for a business start-up loan, you need to provide the borrower's capital certificate, identity certificate, business place certificate, loan guarantee and other information, and submit the application documents to the bank. The bank will grant a certain business start-up loan according to your business start-up plan. Once it is approved, you can sign a business start-up loan contract.

how to handle personal business loans?

1. Search for the human resources and social security department in this province as shown in the figure

2. Open the window of finding employment and unemployment as shown in the figure

3. Pull the webpage down to find the business loan as shown in the figure

4. Here are the details of the loan. Support targets

1. Qualified registered unemployed people in cities and towns in the province

2. People with employment difficulties (including the disabled)

3. Demobilized and demobilized military personnel

4. Persons released from prison

5. College graduates (including university student village officials and students who have returned from studying abroad)

6. Resolving employees and unemployed people in enterprises with excess capacity

7.

2. The longest support period for starting a business in partnership or organization is not more than 3 years.

3. For small and micro enterprises, employment promotion bases and business incubation bases recognized by the human and social departments, the longest support period shall not exceed 2 years.

6. Personal business loans

1. Personal business guarantee loans in poverty-stricken areas are given full discount.

2. For individual business start-up guarantee loans in other regions, the interest is fully discounted in the first year, 2/3 in the second year and 1/3 in the third year.

2. Partnership business start-up loans

According to the quota of 1, yuan per eligible partner, the interest is discounted with reference to individual business start-up guarantee loans.

iii. if the loan amount of small and micro enterprises is less than 2 million yuan, the discount will be 5% of loan prime rate on the loan contract signing date. If the employment promotion base and business incubation base are within 2 million yuan, loan prime rate will give full discount according to the date of signing the loan contract.

7. Personal business loan

1. Copy of the applicant's ID card and household registration book;

2. Copy of marriage certificate, spouse's ID card and household registration book (unmarried persons do not need to issue them);

3. Business license (business license approved and issued by relevant departments or contract for breeding and aquaculture; Enterprise business license can also apply for personal business guarantee loans);

one of the identification materials for entrepreneurs in categories 4 and 9;

5. A copy of the counter-guarantor's ID card and proof of salary and income; Copy of mortgage or pledge (this material is not required if the bank bears all risks).

loan application

the entrepreneur applies to the venture loan guarantee center of the venture project with the application materials. Online application shall be handled according to the online process.

2. Audit and investigation

The local venture loan guarantee center verifies the authenticity of the application materials, and assigns special personnel (at least two persons) to conduct on-the-spot investigation on the entrepreneurial projects of the applicants (small and micro enterprises) together with the handling financial institutions. .

3. Bank Lending

According to the opinions of the Venture Loan Guarantee Center, the handling bank issues loans in time according to relevant regulations and procedures.

8. Click on the policy consultation, and you can see the contact numbers of loan centers in different cities as shown in the figure.

Extended information:

Significance of venture loans:

Maintaining social stability: providing financial support to the poor people can make the poor people see hope. Venture loans are not only a good prescription to ensure social stability, but also a virtue to win the hearts of the people.

Promoting economic development: Venture loan is the financial lever for people to get rid of poverty and become rich. Offering entrepreneurial loans can not only make full use of financial leverage, but also greatly promote the development of individual and private economy, help people get rid of poverty and become rich, and also enhance the credit awareness of the whole society.

Deepening financial reform: Venture loan conforms to the national conditions, is the driving force to catalyze the change of financial concepts and accelerate national rejuvenation, and is a unique financial product in the primary stage of socialism.

Opening wider to the outside world: China is a country with a large number of poor people, and the start-up loans will play an important role in credit poverty alleviation activities.