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The application conditions for college students' employment subsidies include: fresh graduates from full-time colleges, independent colleges, higher vocational schools and other institutions who have passed the national unified entrance examination for ordinary colleges and universities; Belong to a difficult family; Still unemployed and registered as unemployed at the end of the graduation year. College employment subsidies can not be applied twice, nor can they be re-applied. Graduates' job-seeking and entrepreneurship subsidies are one-time subsidies, and each person can only apply once. Those who have enjoyed other academic education stages cannot apply repeatedly.

Second, how do previous graduates apply for loans from banks?

You can apply for personal business loans. (1) bank loan is a special loan granted by an individual who has the ability to operate or has engaged in production and business activities for starting a business and is effectively guaranteed by the bank. Eligible borrowers are most supportive according to their personal resources and repayment ability; For those who start a business to a certain scale or become re-employment stars, they can also apply for higher loans. Start a business for one year, not more than three years at the longest. In order to support laid-off workers to start their own businesses, the interest rate of business start-up loans can be lowered by 20% according to the same interest rate stipulated by the People's Bank of China, and loans launched in many areas can also enjoy a 60% discount from the government. For multi-person loans, as long as the mortgage procedures meet the requirements, banks will not ask about the purpose of the loan. People who need to start a business can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. With the purchased house as collateral, the loan amount generally does not exceed 60% of the appraised value of the purchased commercial house, and the longest loan period does not exceed 10 year. If you need to buy cars, trucks, buses and mini-cars to start a business, you can also apply for auto consumption loans, which generally do not exceed 80% of the purchase price, and the longest loan period does not exceed 5 years. 3 secured loan If you don't have a certificate of deposit, national debt or insurance policy, but your wife or parents have a stable income, it can also be an excellent credit resource. At present, banks have a special liking for high-income groups such as lawyers, doctors, civil servants, employees of public institutions and financial objects. Employees in these industries only need to find one or two colleagues to guarantee loans of about 654.38+10,000 yuan. Moreover, this kind of loan does not need to go through any mortgage and evaluation procedures. If you have such a relative, you can apply for a loan in his name and get venture capital in the future. Another way for angel funds to support innovation is to get the support of angel funds. Personal business loan application, under the age of 50. ② Holding the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. (3) Engaged in legal production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. (4) It has a good credit standing, is law-abiding, has no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by the bank. (5) Having a fixed domicile and business premises in this institution. ⑥ Other conditions stipulated by the bank. Personal business loan requirements: ① Adult youth who have reached 18 years old and have not violated the law, but at most they are China citizens over 50 years old; (2) the loan must be used to operate a legitimate occupation; (3) Individuals must hold business licenses, national tax registration and other related business licenses, and have formal business licenses; (4) How do individuals get loans? I must abide by the law, have no bad behavior and no bad credit record. And you must be able to provide mortgage, pledge or guarantor recognized by the bank, and be honest and trustworthy; ⑤ How to get a loan for individual entrepreneurship? I want to have a fixed residence and business premises in the agency, and some banks have other prescribed items. Personal business loan application materials: ① identity documents of the borrower and spouse (including the original resident identity card, household registration book or other valid residence permit) and proof of marital status; (2) personal or family income, property status and other documents proving repayment ability; (3) Business licenses and business licenses of relevant industries, relevant agreements, contracts or other materials for loan purposes; (4) Guarantee materials: the ownership certificate and list of the collateral or pledge, the certificate that the person with the right to dispose of it agrees to mortgage (pledge), and the mortgage (pledge) evaluation report issued by the evaluation department recognized by the bank. Amount of individual business loan ① The maximum amount of individual business loan shall not exceed 70% of the total liquidity required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation. ② The term of personal venture loan is generally 2 years, and the longest is no more than 3 years, of which the longest term of working capital loan for production and operation is 1 year. (3) Individual business loans shall be subject to the fixed loan interest rate promulgated by the People's Bank of China, which may fluctuate within the prescribed scope.

3. How do previous graduates apply for loans from banks?

If you apply for corporate loans from the four major state-owned banks, you must first prepare the following things: business license, organization certificate, national tax, local tax certificate, copies of corporate and shareholder ID cards, and personal and corporate credit records (banks can find them themselves). If it is a company system, there must also be articles of association (sole proprietorship is not required). Then, the bank will ask you to provide financial statements, purchase and sale contracts and other documents that can prove that the company has operated well in the past two years. Secondly, collateral is needed, which can only be real estate (houses, factories, etc.) with good liquidity. Machinery and equipment are generally not recognized) and some government bonds and securities are accepted. Moreover, the collateral needs to be evaluated by an evaluation agency designated by the bank. If there is no collateral approved by the bank, or the value of collateral is lower than the loan amount, you need to introduce a guarantee company to guarantee you, and the guarantee company will charge you a certain fee. In short, corporate loans, even if they are related to banks, will be quite difficult and troublesome.

I suggest you apply for a personal loan to help start a business, but now that you have graduated for four years and have a stable income, the state generally does not provide unsecured credit loans for new graduates to start a business, and the amount is very small, and many banks do not accept it. You can go to the bank's personal loan center for consultation. If you have real estate and other collateral, it should be easier to apply for a loan and assume unlimited liability.

PS: Small banks, especially credit cooperatives and rural commercial banks, have more convenient loans than the four major state-owned banks. The review is not so strict.

4. How did previous graduates apply for loans from banks?

Recently, the "Opinions of Nanjing Municipal Government on Promoting the Employment of Newborn Labor Force" was officially promulgated, aiming at helping the employment of new-born labor force in 2030 (that is, 20-30 years old) through policy promotion. Provide a special service window for graduates. Newborn laborers refer to graduates from universities and technical secondary schools who have entered working age, have the ability to work and have never achieved employment in Nanjing, and laborers who have failed to continue their studies. According to the Opinions, in the future, the employment service agencies of labor security and personnel departments at all levels in our city should set up special service windows for new laborers, providing them with a series of public employment services such as job registration, career guidance, vocational training, job introduction, employment procedures, internship training, payment of social insurance, skill assessment, and transfer of household registration files. Labor and social security and personnel departments at all levels provide free public employment services such as personnel file management, job fairs, employment guidance, employment training, employment recommendation, network information, etc., and the municipal, district (county) governments give appropriate subsidies. Enterprises have tax incentives for recruiting graduates. The "Opinions" put forward that employers must participate in social insurance and pay social insurance premiums in accordance with regulations when recruiting new workers. In addition, enterprises are encouraged to recruit new labor. Enterprises that recruit new laborers and laid-off workers in this city and account for more than 60% of the total number of employees may apply for employment service enterprises and be exempted from enterprise income tax within 3 years; After the expiration of the tax exemption period, if the newly placed new labor force and laid-off workers in this city account for more than 30% of the total number of enterprise employees, the enterprise income tax will be halved within 2 years. Self-employment can apply for small secured loans. The "Opinions" suggest that new laborers in our city who start their own businesses and start their own businesses with families can participate in free entrepreneurship training conducted by labor security and personnel departments at all levels. Labor and social security and personnel departments at all levels will also mobilize social intermediary agencies to collect small-scale projects suitable for new laborers to start businesses, and give priority and free recommendations to new laborers who start their own businesses. For new-born laborers who start their own businesses and start their own families, they can apply for small-sum secured loans with reference to the relevant provisions on small-sum secured loans for laid-off workers and enjoy relevant tax relief policies. The government gives a one-time fixed subsidy to the newly-added labor force who has obtained the vocational qualification certificate that meets the needs of the job market. Will predict the employment situation. The "Opinions" clarify that a forecasting and forecasting system will be established. Labor and social security, personnel and education departments should keep abreast of the number, structure and distribution of graduates and strengthen statistical analysis. Combined with the establishment of the city's unemployment early warning mechanism, improve the employment situation monitoring system and employment situation prediction system for new labor force. The education department should take the employment rate as an important indicator, guide colleges and universities to adjust their major settings according to market demand, improve the employment competitiveness of graduates, and alleviate structural employment contradictions.

How do college graduates apply for starting a business?

Encouraged by national policies, there are more and more flexible employment forms for college graduates, and self-employment is a good employment form. Chongqing also provides preferential policies for college graduates to start businesses. College graduates can enjoy financial discount when they apply for starting their own businesses. The brief content is as follows.

First, the application conditions:

1, college degree or above;

2. After graduation, he has not been employed for more than 6 months, and has registered unemployment in the local labor and social security department.

Second, the loan period:

The Wechat business loan provided by the state for college graduates is a government-subsidized loan with a term of 1 ~ 2 years, after which it will no longer enjoy financial discount.

Three. Loan method:

The way for college graduates to start businesses is guarantee and mortgage.

Four. Relevant explanation

The specific operation method can be consulted with the local labor and social security bureau. In addition, there are other preferential policies for college students' entrepreneurship, such as setting up a

Business administration, 1 year exempted from administrative fees for business registration management; Self-employed, self-employed can also be the city's household registration files.

Employment guidance service center for college graduates. Relevant departments should be consulted about the specific policies for college graduates to start their own businesses.