if you are employed, you can't get a loan. You must have unemployment certificate before you can apply for a loan!

We should also pay attention to the following points:

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

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

(3) Guarantee materials for college students' entrepreneurial loan applicants: ownership certificate and list of collateral or pledged goods, proof 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.

(4) 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;