申請【青年創業貸款】前，你一定要知道的5個條件才能增加成功率！(含申貸流程)

作者:

青年創業貸款是近來相當熱門的話題，政府早在民國102年就推出青創貸款，近年來隨著社會變化不斷更新，申請條件也有放寬，申請額度在100萬以下，只要填寫表單即可申請。除了提供青年貸款者較低利率外，也可以在沒有房車或保人的情況下，借到一筆創業資金。

對於有心創業的青年朋友來說，有了青創貸款，即使自備款不足，也能有一個安全、安心的貸款管道，但其實申請青創貸款並不如想像中容易，申請青年創業貸款流程若沒注意細節，很可能因貸款遭婉拒，資金無法及時到位而打亂原本的計畫，本文將針對青年創業貸款，提醒大家在申請前必須注意的5個地方，做好準備，第一次創業就上手。

青年創業貸款有什麼條件限制？如何申請？貸款內容為何？

隨著承辦銀行不斷加入，目前共有19家金融機構可以辦理青創貸款，欲申請的貸款人可自行向這些金融機構提出申請，案件申請人則必須同時滿足下列三項條件：

1.年滿18歲至45歲，在5年內有依法辦理公司、商業、有限合夥登記或立案的事業。
2.3年內上過政府開設的創業輔導課程至少上課20小時，或取得創業輔導課程兩個學分，需檢附證明，線上課程亦可。
3.申請人或負責人出資額需佔事業體實收資本額20%以上。

【青年創業貸款申請流程】

青創貸款流程

【青年創業貸款承辦銀行列表】

1.台灣中小企業銀行
2.台灣銀行
3.台灣土地銀行
4.合作金庫商業銀行
5.第一商業銀行
6.華南商業銀行
7.彰化商業銀行
8.上海商業儲蓄銀行
9.兆豐國際商業銀行
10.全國農業金庫
11.台中商業銀行
12.永豐商業銀行
13.玉山商業銀行
14.嘉義市第三信用合作社
15.花蓮第二信用合作社
16.金門縣信用合作社

17.瑞興商業銀行

18.高雄銀行

19.聯邦商業銀行

 

【青年創業貸款申請內容】

青創貸款額度：

※準備金：最高新臺幣200萬元。
※週轉性支出：最高新臺幣400萬元。
※資本性支出：為購置(建)或修繕廠房、營業場所、相關設施、營運所需機器、設備及軟體等所需資本性支出，最高新臺幣1,200萬元。

貸款期限：

※準備金及週轉性支出：貸款期限最長6年(含寬限期最長1年)。
※資本性支出：
廠房、營業場所及相關設施：貸款期限最長15年(含寬限期最長3年)。
機器、設備及軟體：貸款期限最長7年(含寬限期最長2年)。

貸款利率：

※依中華郵政儲金2年期定期儲金機動利率加年息0.575％機動計算(目前合計為2.295%)

若貸款人能夠提供擔保品(如房子)，有機會拿到較高額度，若沒有擔保品，可藉由信保基金提供保證，但承辦銀行可能會基於風險考量，僅提供較低的資金；針對額度在100萬以下的申請人以表格取代計畫申請書等便民方案。

青年創業貸款有什麼優缺點？

1.承辦銀行在案件審核上相當嚴格，貸款的過件率很低。
2.申請的手續繁瑣，需準備的資料相當多。
3.審核流程與時間漫長，對貸款人可謂緩不濟急。
4.申請貸款前要先上滿一定時數的課程。
5.填寫創業企劃書等資料，相當考驗貸款人的耐心和時間。

下面也為有意申貸者整理了簡單的青年創業貸款優缺點比較表：

優點 1. 額度高，最高可至1200萬
2.利率低，僅1.42%起
3.還款壓力小，貸款額度100萬以下前五年甚至不需繳息
4.無須擔保品
缺點 1.須上滿一定時數的創業課程
2.須提交創業企劃書、準備資料相當多
3.若欲申請大額度需提供擔保品(房子)
4.審核程序冗長且嚴格、過件率低

 

青年創業貸款常見的婉拒原因有哪些？

青年創業貸款的申請條件看來寬鬆，但卻不是所有人都能順利申貸成功取得資金，你可能不知道，除了申請人外，金融機構還會檢視其配偶的信用狀況，若申請人未婚則免查配偶聯徵，以下也為你整理了青年創業貸款常被婉拒承作的原因，您可檢視自己是否為申貸失敗的高危險群。

※申請人及其配偶的信用狀況都會列入審核

1.動用信用卡循環
2.信用卡或貸款有延遲繳款紀錄
3.信用卡遭強制停卡
4.有債務協商或前置協商紀錄
5.前置協商不成立，或經法院裁定更生或清算
6.催收呆帳戶
7.有債務本金或利息逾期未清償
8.名下有從債務本金逾期未清償
9.貸款未繳遭法院查封
10.有票信拒往紀錄
11.票信經公告拒往尚未解除
12.財團法人中小企業信用保證基金逾期列管戶
13.稅款或勞健保費未繳
14.申請人所屬事業最近一年資產負債表之淨值為負數
15.申請人所屬事業實際所在地未經合法登記使用
16.申請人非為實際經營者

青年創業貸款與一般銀行貸款一樣，非常重視申請人的信用狀況，審核標準亦相當嚴格，提醒想申請青創貸款的民眾，務必維持良好的信用，才不會錯失了此一貸款機會。

青年創業貸款透過代辦申請好嗎？

若已準備好申請青年創業貸款，所有資料自行準備即可，完全不須透過代辦公司，網路上有許多代辦公司宣稱與政府合作，提供青創貸款的申請服務，但其資訊卻不清不楚，在辦理過程中更會藉機收取高額的代辦費用，其實在銀行的網站都有清楚標示，未與任何代辦業者合作，在申貸時應當心代辦陷阱。

除了青年創業貸款，還有其它方式籌措創業資金或週轉金嗎？

除了青年創業貸款外，欲籌措創業資金也可以考慮銀行的個人信貸、車貸或房貸轉增貸、二胎房貸等方式，向銀行申貸，審核標準相當嚴格，信用、財力等缺一不可，若銀行申貸不過，可參考好事貸企業的二胎房貸，審核寬鬆、額度高、申辦速度快，讓您即時取得所需資金。

  青年創業貸款 二胎房貸(上市公司) 銀行信貸 銀行房貸 銀行二胎
審核難易度 難 易 很難 很難 很難
利率 機動利息(目前為2.295%) 7%~14% 4%~16% 2.18~3% 4~16%
還款年限 7~15年 2~10年 1~7年 20~30年 2~10年
借款額度 100萬~1200萬 最高300萬 月薪22倍 最高房價8成 最高300萬

由上表可見，不同貸款項目的貸款條件都有所差異，不管您選擇哪一種貸款方式，都有其優缺點，貸款人應評估自己的償還能力，才能讓這筆資金成為你的助力而非阻力，妥善的資金配置，讓你在圓夢之餘完整人生。

原文出處：增加青創貸款成功率的五個要點

在〈申請【青年創業貸款】前，你一定要知道的5個條件才能增加成功率！(含申貸流程)〉中有 922 則留言

  1. I have tried quite a few options over the years and this platform stands out for its honest game rules and transparent bonus terms. It is refreshing to play where everything feels fair and straightforward. bdph9999

  2. Playing here feels like hanging out with old friends who know exactly what we want. The live dealer tables run so smoothly and the chat support is always ready to help. I really appreciate how they handle local payment options and keep everything transparent. Give it a spin and you will see what I mean agilaclubcasino

  3. The energy on this site matches the passion of the fans and that translates into an incredibly fun gaming experience. I love how they highlight live events and keep the odds competitive across the board. Payouts arrive in my account within hours and the interface stays responsive on any device. Give it a try today br868bet

  4. mx707mx has quickly become my go to spot for quick action and fair spins. It feels like the platform actually listens to what players want and adjusts the experience accordingly. I really appreciate how smooth and friendly the whole setup is. mx707mx

  5. Just discovered this gem and the whole experience has been incredibly smooth. The interface is super intuitive and the bonuses actually hit right in the pocket. I have been playing here for a few weeks and the customer support team never fails to respond quickly. Highly recommend checking it out if you want a reliable spot to unwind. mrgreenboykotmu

  6. I switched over from my old bookmaker and the difference is night and day. The odds are very fair and I appreciate how transparent the bonus terms really are. It is rare to find a site that actually puts the player first like this. My weekend football bets have never been more exciting. zonepremierbet

  43. Every time I log in I notice they have added fresh markets and improved the overall flow of the site. The weekly reload bonuses are generous and the verification process was quick and hassle free. Keeps me coming back for more action. pinbetlogin

  68. Finally found a casino that treats its regulars right instead of just chasing quick signups. The game selection is top tier and payouts arrive without the usual drama. It feels like a welcoming spot where you can actually relax and enjoy yourself. k7betjogo

  81. What a fantastic place to place my bets. The withdrawal process is lightning fast and I never faced any issues with my winnings. The interface is super clean and the promotions keep the fun rolling. Give it a try today. 9a999bet

  116. Honestly I was skeptical at first but the game selection here is actually fantastic. I love how they handle their bonus terms and the customer support responds within minutes. It feels like a place that actually cares about its players rather than just chasing numbers. Give it a spin and you will see what I mean. trvaycasino

  143. Finally found a place that actually understands what players need. The registration takes seconds and the game filters make it so easy to find my favorites. Withdrawals hit my account faster than I expected and the team keeps the site updated with fresh content monthly. A must try for sure. mxmexigana

  155. I’ve been trying a few different spots lately and this one really stands out. The interface is smooth and the payouts are quick. Definitely check out 98zcom if you want a reliable experience.

  199. I’ve been trying out a few sites lately and this one really stands out. The interface is smooth and the payouts are surprisingly fast. Highly recommend checking out ph878ph if you want a reliable spot.

  203. This platform really understands what regular players need from a betting site. The live dealer options are top notch and the chat function works perfectly. I have never dealt with any payment delays here and the security measures give me peace of mind while playing. idpphoki

  233. Logging in every evening has become my favorite way to unwind after work. The game library is massive and I appreciate how fair the odds feel compared to other sites I used to visit. Transactions are always transparent and processed without delays 0077betlogin

  234. This platform completely changed my weekend routine for the better. The game selection is massive and I never have to wait for a popular table to open up. I also appreciate how easy it is to set daily deposit limits. It makes the whole experience feel safer and more enjoyable. phs5casino.ph

  254. Slot fans will absolutely fall in love with this collection. The volatility ranges cover both casual spinners and high rollers and the bonus rounds trigger way more often than I expected. Quick cashout makes my weekends so much better. lokirichslot

  259. Stepping into this site feels like walking into a VIP lounge without the stiff dress code. The selection of slots is huge and the support crew goes above and beyond to make sure your spins are fair. I genuinely enjoy coming back after a long day. Thanks for keeping it genuine. pespinpalacecasino

  266. What I love most about this community is how welcoming everyone seems to be. I joined a while back and the payment methods cover everything I need including e wallets and crypto. Transactions are always processed without delays and I never worry about hidden fees. The interface is clean and easy to navigate even for beginners. Keep up the great work team. dewi11resmi

  304. Ee68… Not a name that immediately jumps out, but don’t let that fool ya! Could be a hidden gem. Take a peek and see if it’s got what you need. Ready to check it out: ee68

  334. Just hit my first big win on this platform and the whole process felt incredibly smooth. Customer support really went above and beyond when I had a quick question about my bonus. Highly recommend giving this spot a try if you love reliable payouts and fair games. 101flogin

  385. Found this gem while searching for reliable casino options. The welcome bonus came through smoothly and I never had any issues with verification. Games load fast even on my phone and the live dealer section feels super authentic. Definitely my go to spot for evening sessions. mystakebet

  427. I’ve tried a few platforms recently, but this one is definitely a game changer. The interface is smooth and the payouts are surprisingly fast. Highly recommend ke88club for anyone looking for a reliable spot.

  495. JLMK? What’s that even stand for? Sounds kinda mysterious. Guess I’ll have to dive in and see what this site is all about. Keeping my fingers crossed it’s something interesting. Click here to investigate: jlmk

  571. This platform has completely changed how I enjoy online entertainment. The interface is so clean and loading times are incredibly quick. I love the daily bonuses and the way they reward loyal players. It feels like a genuine place where everyone gets a fair shot at winning big. Give clbcgame a try today.

  580. Finding a trustworthy platform can be tricky but this one delivers every single time. I love how the bonuses are straightforward and never come with confusing rules. Payouts happen around the clock and the whole experience feels completely safe. It is rare to find a site that actually cares about its players like this one does. Visit surga898login today

  591. Playing on my phone used to be a bit of a hassle but this site made it incredibly smooth. Everything loads fast and the navigation is so intuitive that I never felt lost. Just wanted to drop a quick note saying thanks for making my commute so much more entertaining. 789betcomvn

  630. As someone who loves spinning the slots during my coffee breaks, this site delivers exactly what a casual gamer needs. The game selection keeps getting better and the bonus terms are actually easy to read. I appreciate how transparent everything feels from deposit to withdrawal. bdbb8casino

  678. I’ve been trying a few different sites this month and this one really stands out. Great variety of games and the customer support is actually helpful. Check out vnmh66 if you want a stress-free experience.

  898. Nothing beats the thrill of a last minute goal and this club captures that energy perfectly. I appreciate the 24 hour availability since I am not the type to stick to a strict schedule. The app runs smoothly even on older devices and the notifications keep me in the loop. It is honestly refreshing to play somewhere that prioritizes convenience and fair play. Drop by and see for yourself what yellow247club has to offer

  916. This platform truly feels like home away from home I love how they remember your favorite games and always have fresh updates waiting for you Playing here never feels lonely because the chat rooms are always buzzing with friendly greetings and high fives alo789vinhcom

  922. Jumping on mx555casino feels like coming home after a long day. The slot library is massive and the withdrawals always land in my account without any annoying delays. I really appreciate how straightforward everything is for a regular player like me. mx555casino

發佈留言