Preferential policies and application requirements for college students' entrepreneurial loans

Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability; If you start a business with a certain scale or become a re-employment star, you can also apply for higher loans. The term of venture loan is generally 1 year, and the longest is no more than 3 years; In order to support laid-off workers and college students to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and the business start-up loans for laid-off workers and college students launched in many areas can also enjoy a 60% discount from the government.

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

Loan requirement

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

(3) Some of the investment projects of college students' entrepreneurial loan applicants have their own funds;

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

preferential policy

(1) College graduates start their own businesses within two years after graduation and apply for business licenses in the industrial and commercial departments where the entrepreneurial entities are located. If the registered capital (capital) is less than 500,000 yuan, it is allowed to be put in place by stages. The initial investment shall not be less than 10% of the registered capital (the investment shall not be less than 30,000 yuan), and the paid-in registered capital shall be increased to more than 50% within 1 year, with the balance.

(2) Enterprises or business units newly established by university graduates in consulting industry, information industry and technical service industry shall be exempted from enterprise income tax for two years with the approval of 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 with the approval of the tax authorities, and the enterprise income tax shall be reduced by half in the second year; Newly established enterprises or business units engaged in public utilities, commerce, materials industry, foreign trade industry, tourism, logistics industry, warehousing industry, residents' 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, city commercial banks and qualified urban credit cooperatives in various countries provide loans with simplified procedures and convenient account opening and settlement for self-employed graduates, with a loan amount of about 50,000 yuan. The longest loan period is two years. If it is determined that an extension is needed due, 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 5 times of the guarantee fund, and the term is the same as the loan term.

Relax the field of entrepreneurship

All kinds of entrepreneurs can enter industries and fields not prohibited by laws and regulations and enjoy relevant preferential policies equally.

Relax the registration title

Enterprises and individual industrial and commercial households that bid in accordance with the law are not restricted by registered capital, and are titled as "Anhui Province", which is directly declared and approved by the Municipal Administration for Industry and Commerce.

Relax the scope of preparatory business license.

If the business scope of the enterprise applying for registration involves pre-administrative examination and approval, but we are unable to submit the examination and approval documents and certificates, the industrial and commercial authorities may mark "preparation" after changing the business scope, and issue a business license for the preparation period.

"Zero Down Payment" for College Students' Entrepreneurial Registered Capital

College graduates who invest less than 500,000 yuan to set up a limited liability company within two years after graduation can register with "zero down payment" and pay their registered capital in full within three years from the date of establishment of the company.

Clarify the registered proportion of non-monetary assets.

Investors are allowed to set up small and medium-sized enterprises with intellectual property rights, scientific and technological achievements and other non-monetary assets at a fixed price, and intangible assets can contribute up to 70% of the registered capital of the enterprise.

Exempt from administrative expenses

Administrative fees related to management, registration and certification for college graduates, registered unemployed persons and returning migrant workers.

Clear entrepreneurial support groups

For college graduates and secondary vocational and technical school graduates within two years of graduation, registered unemployed people, returning migrant workers, etc. Engaged in individual business according to law, in addition to the exemption of relevant administrative fees, self-raised funds are insufficient, can apply for a small secured loan of not more than 50 thousand yuan; In line with the conditions of small-scale low-profit enterprises, enterprise income tax will be levied at a reduced rate of 20%, and a certain proportion of loan interest will be given according to regulations.

Preferential policies for entrepreneurship support

For informal employment organizations, industrial and commercial registration is exempted within three years: those who have been operating normally for more than 12 months and paid social insurance according to law will be given a one-time subsidy of 2,000 yuan/person for entrepreneurs and 4,000 yuan/person for those with employment difficulties; Entrepreneurial entities that recruit registered unemployed persons, sign labor contracts for more than 1 year and pay social insurance premiums according to law will be given a one-time subsidy of 1500 yuan/person, and a one-time subsidy of 2,000 yuan/person for those with employment difficulties.

Preferential policies of pioneer park

For entities established according to law, such as college graduates and secondary vocational and technical school graduates, registered unemployed people, returning migrant workers, etc. Within 2 years after graduation, in addition to relevant administrative fees, property management fees, health fees and other management fees will be exempted, venue fees will be halved, and utilities will be appropriately reduced. The reduced part is paid from the site fee paid by half: for those with insufficient self-raised funds, small secured loans can be provided; Recruit people with employment difficulties, sign labor contracts for more than one year and pay social security fees according to law, and give social security subsidies for the corresponding period; Recruit zero-employment family members in cities and towns, and give them a one-time employment reward; For the low-profit enterprises that leave the park after the expiration of three years of cultivation, if they are in line with labor-intensive small enterprises, they can provide two small secured loans to support them.

Preferential tax policies for college graduates and secondary vocational and technical school graduates to start businesses within two years after graduation.

College graduates and secondary vocational and technical school graduates within two years of graduation are exempted from labor and personnel agency fees when starting a business, and enjoy linkage services such as entrepreneurial projects, entrepreneurial training and information consultation free of charge; Entrepreneurial projects in line with the city to encourage the development of industrial fields, to give small secured loans and discount support. College graduates who have graduated for two years and are engaged in self-employment according to law shall be exempted from business tax, urban maintenance and construction tax, education surcharge and personal income tax within one year from the date of first registration by the administrative department for industry and commerce; For college graduates and secondary vocational and technical school graduates who set up and lead scientific and technological enterprises in scientific and technological enterprise incubators created by governments at all levels and pioneer parks within two years after graduation, they are exempt from paying rent within three years; Engaged in community service industry and agricultural entrepreneurship, according to the number of employed people, give special entrepreneurship subsidies.

Second, Hefei talent rental subsidy policy 202 1

Legal analysis: For doctors who have recently settled in Hefei and have no own housing for the time being, masters under the age of 35, full-time undergraduates within three years, and graduates from junior colleges and higher vocational colleges, rental subsidies will be paid according to the standards of 20,000 yuan,/kloc-0.5 million yuan and 0.6 million yuan per person per year within three years.

Legal basis: Hefei's policies on further supporting talents' innovation and entrepreneurship (Co-organizer [2065 438+08] 18)

Fourth, increase housing security. Adhere to the government-led, urban linkage, social participation and resource sharing, establish a housing system with multi-subject supply, multi-channel guarantee and simultaneous rent and purchase, and accelerate the construction of talented apartments (rental housing). Relax the talent settlement policy, so that graduates from ordinary colleges and universities (higher vocational colleges), returned overseas students, graduate students or above, undergraduates under 40 years of age, intermediate and above professional and technical personnel, senior workers (national vocational qualification level 3) and above with high skills will be given priority to settle down; The above-mentioned talents can buy the first set of housing after they settle down. For doctors, master's graduates under the age of 35, full-time undergraduate graduates and graduates from junior colleges and higher vocational colleges within three years, rental subsidies (excluding party and government organs and state-owned enterprises and institutions) will be paid according to the standards of 20,000 yuan, 1.5 million yuan and 1.6 million yuan per person per year within three years.

Fifth, strengthen the support of venture capital. Increase financial input, fully implement the policy of business guarantee loans and tax reduction and exemption in accordance with the law, encourage social capital such as angel funds, venture capital and venture capital funds to support college students' entrepreneurship in various ways, and broaden diversified financial support channels. College graduates who set up small and micro enterprises for the first time and have been operating normally for more than 6 months can enjoy a one-time start-up subsidy of 1000 yuan. Set up a guiding fund for college students' entrepreneurial innovation to provide asset-free financing support for college students' entrepreneurship within five years after graduation. The maximum interest-free loan is 654.38 million yuan, and the longest loan period is no more than two years. Comprehensive evaluation of college students' entrepreneurial enterprises during their school years and five years after graduation shows that about 100 outstanding college students' entrepreneurial teams are selected every year, with the highest project funding of 654.38+10,000 yuan.

3. Is there any interest-free entrepreneurial loan for college students in Hefei?

It is found all over the country. As long as it meets the requirements, it is best to look at the interest-free loan policy for college students to start their own businesses.

4. Is there a venture loan in Hefei?

If necessary, it is recommended to apply through the bank channel. If you have a savings card of China Merchants Bank, you can log in to China Merchants Bank Mobile Banking and click "Home → All → Loan → I want a loan → Good Term Loan" to try to apply.

Loan amount: the minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the results displayed by the system after your application is approved;

Repayment method: equal repayment of principal and interest;

Loan term: March, June, 12, 18 and 24 months are supported;

Borrowing cost: the daily interest rate is 0.045%, please refer to the actual display in the interface; There is no platform service fee.