Hello everyone, I am Changchun 06 graduates, to apply for a small loan how to do it?!!!!!!! The first thing you need to do is to get your hands on some of the most popular products and services in the world. The complete manual of college students' entrepreneurship policy concern college students' entrepreneurship preferential policies in recent years, in order to support college students' entrepreneurship, the state government at all levels introduced many preferential policies, involving financing, opening, taxation, entrepreneurial training, entrepreneurial guidance and many other aspects. For college students who intend to start their own business, it is important to understand these policies in order to take the first step in starting a business. According to the relevant provisions of the state and Changchun Municipal Government, Changchun area fresh college graduates can enjoy free risk assessment, free policy training, no-cost loan guarantee and part of the tax exemption four preferential policies, including:

■ College graduates (including college, undergraduate, postgraduates) engaged in self-employment, from the date of approval of the operation of the day, 1 year exemption from the registration fee of the individual household registration fee, Individual household management fee, economic contract model text labor costs. In addition, if you set up an informal enterprise, you only need to register it in your district or county, and you will be exempted from taxes for three years.

■Students who start their own businesses can apply to banks for business loans of up to 70,000 yuan and enjoy subsidized interest rates.

There are three main ways for college students to apply for start-up loans: applying directly to banks for loans, applying for subsidized loans for science and technology-based small and medium-sized enterprises, and utilizing new technological achievements or intellectual property rights or patents for secured loans. But because the bank in the personal application for loans in the audit is very strict, especially focusing on the applicant's ability to repay, and college students have just started entrepreneurship, in the bank's loan audit department seems to almost do not have the ability to repay, so it is very difficult to get the required loans, it is recommended that college students are best not to apply for a loan with the first way.

Banks generally require pledges, mortgages and guarantees to provide loans. If your parents or relatives have a better job with a stable income, it will be a wonderful credit resource.

Money Procedures

Article 15 If the borrower is an individual businessman, he should apply to the social security office of the place where he is domiciled or operates, fill out the "Beijing Independent Entrepreneurial Small Guaranteed Loan Application and Recommendation" in triplicate (one for each of the social security office, the bank that handles it, and the guaranteeing organization) and provide the following documents:

A. Borrower's identity documents. Including the original and copies of Resident Identity Card, Household Register, Re-employment Preferential Certificate, University Graduation Certificate, Certificate of Self-employment for Demobilized (Re-employed) Soldiers or Certificate of Registration of Rural Labor Force Transfer for Employment;

II. Certificate of Qualification for Entrepreneurial Training or Certificate of Qualification for Entrepreneurial Training accredited by Beijing Municipal Labor and Social Security Departments, and copy of the entrepreneurial project which has been validated by the entrepreneurial training institution;

II. Plan or feasibility analysis report;

three, the original and copy of the Individual Business License;

four, the Individual Commitment Letter of Small Guaranteed Loan for Beijing Credit Community;

five, other information required by the bank and guarantee institution.

Article 16 If the borrower is a small enterprise founded on his own or in partnership, he shall apply to the labor security department of the district or county in which he is registered, fill in the Application for Small Guaranteed Loan for Small Enterprises of Beijing in triplicate (one for each of the labor security department of the district or county, the guaranteeing institution, and the bank handling the loan), and provide the following documents:

I. The Reemployment Preferential Certificate, University Graduation Certificate, and the Re-employment Preferential Certificate for the Founder, the Partner or the Shareholder;

VI. Preferential Certificate", "University Graduation Certificate", demobilized (retired) military personnel self-employment certificate, rural labor force transfer employment registration certificate and a copy of the original;

2, "Business License" copy of the "Enterprise Organization Code Certificate", "Registered Capital Verification Report" and the original and stamped with the official seal of the enterprise copy;

three, proof of the place of business and stamped with the official seal of a copy of the business;

< p>four, a copy of the articles of association and partnership agreement with the official seal of the enterprise;

five, a copy of the tax registration certificate (national tax and local tax);

four, the ID card of the legal representative, the power of attorney of the authorized agent and the agent's ID card and a copy of the original;

seven, a copy of the loan card and the password (or a copy of the results of the loan card query);

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Eighth, the resolution of the shareholders' meeting or the resolution of the partners' meeting in which the enterprise decides to apply for the financial guarantee;

Ninth, the financial statements of the year, including the balance sheet, profit and loss account, etc.;

Tenth, the general situation of the enterprise and the feasibility of the project report;

Eleventh, the counter-guarantee measures to be provided;

Twelfth, the other information required by the guarantee institution and the bank handling the project.

Article 17 The borrower shall open an account in the lending bank and has used the funds for project operation not less than 30% of the loan principal; operate legally, have good creditworthiness and solvency.

Article 18 Approval Procedures for Borrowers Applying for Small Guaranteed Loans for Individual Businessmen