Generally, it is very low. Most of them are in 99 yuan for one month, and they can be repaid by installments on 12-24-36. Remember, it must be a liar to charge you money without a loan.

Second, is there any subsidy for college students to start their own businesses?

What are the subsidy policies for college students' entrepreneurship?

(1) College graduates should start their own businesses and apply for business licenses within two years after graduation. The registered capital (capital) is RMB 500,000.00 Yuan, and the capital increase is not less than 65,438+00% of the registered capital in the first phase to more than 50% (the capital contribution is not less than RMB 30,000.00 Yuan), and the balance can be put in place by stages within three years.

(2) Graduates from newly-established consulting, information and technical colleges and universities shall be 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 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, business tourism, logistics, warehousing, residents' services, catering, education, culture and public health shall be exempted from enterprise income tax for one year with the approval of the tax authorities.

(3) Commercial banks in various countries and qualified urban credit cooperatives set up small businesses for graduates who start their own businesses, providing convenience for opening accounts and settlement, with a loan amount of about 20,000 yuan. The longest loan period is to apply for an extension. The loan interest rate of the loan interest is determined, and the maximum guarantee amount is 5 times of the guarantee fund, and the term is the same as the loan term.

How much is the subsidy for college students' entrepreneurship?

Entrepreneurial business ability or has been engaged in the production industry or re-entrepreneurship, put forward the application for capital demand, and a special loan. With qualified resources and repayment ability, it can support a single loan of up to 500,000 yuan; A loan application for starting a business to a certain scale or degree. 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' entrepreneurship, the interest rate of entrepreneurship loans at the same level has dropped by 20%, and the entrepreneurship loans for laid-off workers launched in many areas have also been discounted.

College students' entrepreneurship loan is a preferential measure provided by the state to college students. In order to support college students' entrepreneurship, the state has introduced many preferential policies at all levels, involving financing, development 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 in the industrial and commercial departments where the entrepreneurial entities are located. The registered capital (capital) is in place, and the initial contribution shall not be less than 10% of the registered capital (the contribution shall not be less than 30,000 yuan). The paid-in registered capital 1 year can be increased to more than 50%, and the balance can be increased to 3 years.

(2) Newly-established enterprises or institutions of university graduates shall be exempted from enterprise income tax for two years with the approval of the tax authorities; Newly established units engaged in transportation and commercial operations shall be given preferential income tax by the tax authorities, and the enterprise income tax shall be levied at half in the second year; Newly established enterprises or business units engaged in public utilities, foreign trade, tourism, logistics, warehousing, residents' service, catering, education, culture, health and other industries are the taxpayers.

(3) There are commercial banks, joint-stock banks, city commercial banks and qualified urban credit cooperatives in various countries, which provide convenience for self-employed individuals to open accounts and settle accounts, 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 and loan

The above preferential policies are formulated by the state for all self-employed college students, and relevant policies and regulations have also been introduced in various places to help them. For example, according to the relevant regulations of the state and Shanghai, 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 of college students' entrepreneurial loans

(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) The applicant for college students' entrepreneurial loan holds a business license issued by the administrative department for industry and commerce and a business license of related industries, and has a fixed income and the ability to repay the principal and interest;

(3) The applicant for college students' entrepreneurial loan has its 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.

Application materials for college students' entrepreneurial loans

(1) Identity documents (including original resident ID card, household registration book or other valid residence permit) and proof of marital status of college students' entrepreneurial loan applicants and their spouses;

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

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

(4) Guarantee materials for college students' entrepreneurial loan applicants: the ownership certificate and list of collateral or pledge, the certificate that the authorized disposition agrees to mortgage (pledge), and the appraisal report of mortgage (pledge) issued by the appraisal department recognized by the bank.

Are there any interest-free loan applications and preferential policies for starting a business?

Interest-free loans are not just loans. It depends on local policies and your business. ......

How to apply for college students' entrepreneurship subsidies? 50 points

Self-employed or self-employed college graduates can enjoy social insurance subsidies for no more than 3 years according to the flexible employment difficulties; To participate in entrepreneurship training, entrepreneurship training subsidies can be given according to regulations; Small enterprises founded by college graduates with an annual main business income of less than 500,000 yuan shall be exempted and deferred for three years, and subsidies shall be given according to a certain proportion of local taxes paid by enterprises, with a maximum subsidy of 20,000 yuan.

Contents to be submitted: registered business license, project report, graduation certificate, company shareholders, entrepreneurship training certificate, entrepreneurship guarantee certificate, legal person information, etc. In general, you should go to the labor and social security department for entrepreneurship training first, and then they will guide you to handle it.

Good luck!

Is there any subsidy for college students to start their own businesses?

some

National 2 1 1 engineering college students can enjoy the incubator for half a year for free; The second part is: nationwide, except for the 2 1 1 project, college graduates enjoy a 60% discount within one year after they settle in. (Note: The above objects are all college students or students within 2 years of graduation. They need to provide relevant school certificates before they can settle in, and outstanding poor students are given priority. )

Does receiving college students' entrepreneurship subsidies have an impact on future work? 10 point

The collection of business start-up loans and business start-up subsidies has no effect on the insurance and loans you are worried about, as long as you repay them on time.

Although the interest rate of venture loan is low or discounted, the amount is small and irrelevant, so it is difficult to apply. If you can't apply, there's no need to bother.

Subsidies for College Students' Entrepreneurship Support

In today's "mass entrepreneurship and innovation", public opinion welcomes college students to give full play to their vitality and become "entrepreneurs".

So, what kind of help policies do local governments have for college students' entrepreneurs? Is there any corresponding protection for college students who fail to start a business? Xiaowo today introduces the policy highlights of supporting college students' entrepreneurship in some cities in recent years.

What are the "coup" to support entrepreneurship in various places?

Beijing

20 14 Nine departments, including Beijing Human Resources and Social Security Bureau, released the implementation plan of Beijing University Students' Entrepreneurship Leading Plan. It is required to incorporate innovation and entrepreneurship courses into the curriculum system of colleges and universities and implement credit system management. And strengthen entrepreneurship training, implement module training, case teaching and entrepreneurship training. Build a college student pioneer park to provide business places for college students to start their own businesses. Build a service platform for college students' entrepreneurship, and provide "one-stop" services such as micro-loan application and personnel agency.

20 15 Beijing municipal bureau of human resources and social security issued the notice on launching the 20 15 Beijing financial aid program for returned overseas students. After comprehensive evaluation, overseas students who support returning to China to start their own businesses and are still in the early stage of starting their own businesses have finally selected about 15 projects, and each project is given financial support of10.5 million yuan.

Shanghai

In 20 14, Shanghai University Student Science and Technology Entrepreneurship Foundation, Yangpu District SME Credit Guarantee Center and China Merchants Bank established the Shanghai University Student Entrepreneurship Credit Guarantee Fund. A single secured loan refers to a working capital loan with a quota of less than 500,000 yuan and a term of less than 1 year. The Foundation has set up nine branches in Fudan University and other institutions to help college students who meet the application conditions to start businesses and carry out innovative and entrepreneurial practices in the form of investment support.

20 15 Shanghai University Students' Science and Technology Entrepreneurship Foundation issued "Work Guide for Small Enterprise Students' Entrepreneurship Project (Pilot) in the Initial Stage of Technology Innovation Fund for Small and Medium-sized Science and Technology Enterprises". Set up college students' entrepreneurial projects in the innovation projects of small enterprises in the initial stage to give guidance and support. The Innovation Fund supports established projects in the form of free funding, and the funding amount is 200,000-400,000 yuan per project.

Guangzhou

20 14 Guangzhou municipal human resources and social security bureau and Guangzhou municipal finance bureau issued the notice on further implementing the subsidy policy for employment and entrepreneurship of college graduates. The "Guangzhou Entrepreneurial Project Database" was established, and 544 entrepreneurial projects were collected to provide reference for college graduates to start their own businesses.

20 13 guangdong provincial department of human resources and social security and other departments issued the notice on implementing the pioneering plan for college students in Guangdong province (20 14-20 17). Implement the "Entrepreneurship Leading Plan", pay attention to the construction of entrepreneurship incubation platform, and establish college students' entrepreneurship (incubation) bases or college students' entrepreneurship nurseries in Guangdong University of Foreign Studies and other 12 universities. College entrepreneurs can enjoy free office space, office facilities, entrepreneurship training and training for 6- 12 months.

Shenzhen

20 13 The Shenzhen Bureau of Foreign Experts Affairs (Foreign Employment Management Office) and Shenzhen Human Resources and Social Security Bureau issued the Notice on Declaring Pre-entrepreneurship Subsidies for Overseas Students in 20 14. Overseas students can apply for upfront expenses subsidies when starting a business in Shenzhen: 500,000 yuan for first aid, 250,000 yuan for second aid and 6,543.8+0.5 million yuan for third aid.

20 12 Shenzhen issued the "guidelines for the filing management of venture capital enterprises". The registered capital was reduced from 654.38 million yuan to 30,000 yuan, and the loan amount was increased from 30,000 yuan to 654.38 million yuan. The repayment period remains unchanged for two years, and the municipal finance fully subsidizes the loan. In addition, it is planned to build a 4000-square-meter Futian Pioneer Park in Jing Tian, Futian, so that self-employed individuals can start their own businesses and provide centralized services (such as patent application, qualification certification, financial processing, etc.).

Chengdu

20 10 Chengdu issued "Opinions on Promoting the Entrepreneurship and Employment of College Graduates". College graduates who have successfully started their own businesses will be given a one-time business start-up subsidy of 5,000 yuan. In addition, they will be provided with entrepreneurship training subsidies (900 yuan), entrepreneurship success subsidies (1 10,000 yuan), entrepreneurship employment subsidies (up to 50,000 yuan), internship subsidies for college graduates (monthly 800 yuan) and small secured loans (65,438+10,000 yuan, interest-free).

20 15 The Administrative Committee of Chengdu High-tech Industrial Development Zone issued the Opinions of the Administrative Committee of Chengdu High-tech Development Zone on Implementing the Registration System of "Three Certificates in One". The tax registration certificate, organization code certificate and business license are "three certificates in one". On the basis of the "three certificates joint office", we will improve the "one certificate and three certificates" registration system and improve the "one window" service for administrative examination and approval of enterprise registration.

Wuhan

20 ......

Is there any subsidy for college students to start their own businesses? If yes, how to apply? Thank you.

There are subsidies.

First, apply for business start-up subsidy to the university where you are located, and provide business start-up subsidy declaration form, my student ID card (graduates provide graduation certificate and employment unemployment registration certificate), a copy of ID card, business start-up project plan, expert review opinions, bank account number and other materials.

Second, the employment service management institution of the county (city, district) where the project and the entrepreneurial entity are located applies for entrepreneurial subsidies, and provides an application form for entrepreneurial subsidies, a student ID card (graduates provide graduation certificates and employment unemployment registration certificates), an ID card, an industrial and commercial business license, a tax registration certificate or a civil registration certificate, an overview of the entrepreneurial entity and relevant supporting materials (including the purchase or lease contract of business premises, etc.). ), bank account number and other materials.

You can bring all the certificates and ID cards that can prove that you are a student and go to the place where your account is located.

I hope I can help you.

Does the state subsidize college students' entrepreneurship?

There is no subsidy for college students to start businesses. Generally speaking, the state will only provide financial assistance to individual students with difficulties. If you have no money, start a small business first. The pressure is not that great. My cousin recently represented a creative home product, making money to death. Every day, he is busy going out early and coming back late. He only invested a few thousand dollars in this project, and now he can earn one or two thousand yuan a month. Many orders were sent to him by the company through the platform. He only needs to draw a few pictures easily every day, and he got a new car two days ago. Life is so chic that my heart itches. I intend to work with him after graduation. This project is really good. You can check it online. Their product is called pen-free wall painting, and you can apply for trial sale. Such thoughtful service is really rare. You can try this new product.

Does the state subsidize college students' entrepreneurship?

I don't think so. It is best to open a shop to do business now. When I was surfing the Internet, I saw a news titled "Decoration Industry is a Genius". The creative products introduced in it can be made without opening a shop again. The product itself is very creative and will soon become popular, which will definitely help the business in the store.

What subsidies do college students have for starting a business?

Policy 1. rent subsidies

Policy two. Employment subsidies driven by entrepreneurship

Policy three. Small secured loan

3.202 1 What is the interest rate of college students' entrepreneurial loans in Guangzhou?

No loan interest rate

In order to support college students' entrepreneurship, the state exempts students' entrepreneurship loans from interest for five years.

4.202 1 Do you charge interest for business loans?

202 1 the discount policy for venture loans has changed (taking Shenzhen as an example). First, the government's discount loan policy was adjusted in 20021.The maximum amount for non-Shenzhen customers was adjusted to 300,000, the maximum amount for Shenzhen customers was 600,000, and the maximum amount for high-level talents was 654.38+00,000. 2.202 1 cancel the full discount, the annualized interest of the venture loan is 4.35%, the government financial discount is10.5%, and the total interest after discount is 2.85%. For example, if the loan is 300,000 yuan, the three-year interest will total 39 150 yuan, the one-year interest will be 13050 yuan, and the monthly interest will be 1087.5 yuan. After three years, the principal will be repaid, and the government will return 13500 yuan. 1. Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has been engaged in production and operation, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Two. Application conditions 1. Proof of identity and business premises The loan applicant must have a legal and valid identity certificate, proof of legal residence at the place where the loan bank is located, and a fixed residence or business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities. 2. The funds prove that the loan applicant has certain self-owned funds for the investment project. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising. Settlement account related books The loan applicant must open a settlement account in the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity. 3. Loan secured loan applicants need to provide certain guarantees, including real estate mortgage, deposit certificate pledge and third-party guarantee. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.