On July 31, 2026, Hunan's Human Resources and Social Security Department, jointly with the Provincial Finance Department and PBOC Hunan Branch, issued a notice optimizing the entrepreneurship guarantee loan policy. The individual startup loan cap for university graduates rises from 300,000 to 500,000 yuan, the guarantee fee is capped at 0.1% (with provincial subsidy up to 1.4% of the guaranteed amount), and interest is subsidized 95% in impoverished counties and 75% elsewhere. Eligible groups include domestic and foreign university students, graduates within 5 years, and disabled graduates within 8 years.
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Hunan raises graduate startup guarantee loan cap to 500,000 yuan
Why this matters for founders
A founder in Hunan who graduated within the last 5 years (8 for disabled graduates) can apply for a subsidized entrepreneurship guarantee loan of up to 500,000 yuan, with most of the interest and guarantee fee covered by provincial fiscal funds. Apply through the local human-resources and social-security bureau or a partner guarantee institution.
Source: Hunan Province Human Resources and Social Security Department
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