It's really difficult for college students who just graduated to start a business. On the one hand, it is the problem of funds. At present, many banks have opened personal business loans for newly graduated college students.

Personal business loans (China Construction Bank)

Basic provisions

1. Loan target: natural persons engaged in legal production and operation.

2. loan amount: the minimum credit amount is 51,111 yuan and the maximum credit amount is 3 million yuan.

3. loan term: the longest valid term of the credit line is three years, and the term of a single loan under the line is no more than two years.

4. loan interest rate: according to the relevant regulations of the people's bank of China and the head office.

5. guarantee mode: the guarantee mode is mortgage, pledge and guarantee, but it is not acceptable to provide the guarantee in the form of third-party guarantee.

6. Application materials to be provided:

1. Original and photocopy of valid identity documents and marriage relationship certificates of the borrower and spouse;

2. The local permanent residence or local long-term residence certificate of the borrower and spouse;

3. Business license for production and operation. In case of licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided;

iv. tax payment certificate for production and business activities;

v. proof that the borrower's spouse promised to repay the loan;

VI. Pledge right certificate, list of mortgaged (pledged) goods and ownership certificate required for the borrower to obtain the pledge and mortgage loan line, and written documents of the owner and property * * * that someone agrees to pledge and mortgage;

VII. Collateral appraisal report issued by the appraisal department recognized by the secondary branch of China Construction Bank (inclusive) or above;

VIII. Other materials required by CCB.

processing channel and processing flow

1. processing channel: the customer handles the personal business loan business through the business organization designated by China Construction Bank

2. processing flow:

① When the borrower applies for personal business loan, he must apply to the lending bank with the relevant application materials specified by China Construction Bank, fill in the application form and submit relevant materials;

(2) After field investigation and approval by the account manager, the account manager shall report it to the competent approval department for approval, and after approval by the bank, the loan contract shall be signed with the customer;

③ The account manager handles the loan procedures and transfers the money to the settlement account opened by the borrower in our bank, so that the customer can use the loan funds;

④ The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment;

⑤ after the loan is settled, the business outlet will return the mortgage (pledge) right certificate to the customer.

you can check it online yourself. . Or ask the banks.