1, college degree or above;

2, more than 6 months after graduation without employment, and in the local labor and social security departments for unemployment registration;

Two. Requirements for loan term and amount:

Small-scale entrepreneurial loans provided by the state for college graduates include government discount loans with a term of 1 ~ 2 years. Then, after two years, they will no longer enjoy the financial discount.

General requirements for the amount of venture loan: the maximum amount cannot exceed 70% of the total liquidity required by the borrower's normal production and operation activities and franchise chain operation; Usually, the term is 2 years, and the longest term is not more than 3 years, while the longest term of working capital loans for production and operation is 1 year; The interest rate of fixed-term loans issued by banks for personal business loans will fluctuate within a limited range.

Three. Loan repayment method:

1, if the loan term is less than one year (including one year), the interest will be paid off with the principal at one time;

2. For individual entrepreneurial loans with a loan term of more than one year, the repayment method of loan principal and interest can be average capital repayment method or equal principal and interest repayment method, or other repayment methods agreed by both parties. Then, the relevant preferential policies depend on their respective local governments.